Mark Kalinowski’s father was caught by a familiar travel scam. “Someone phoned and said, ‘Good news — you’ve won a paid trip to Florida. Just cover a $200 processing fee,’” Kalinowski recalled from his home in Calgary. “He handed over his credit card without thinking twice.” That loss happened more than a decade ago, and … Read more

It’s a familiar scenario: a Canadian family builds a life in Vancouver, opens a registered education savings plan (RESP), contributes regularly and collects the Canada Education Savings Grant (CESG). Then an opportunity appears in the United States — a job, a lifestyle change, a move to California — and the financial picture suddenly becomes more … Read more

At some point many Canadians are advised to consult a financial advisor. But is that necessary in your 30s or 40s, or can it wait until retirement approaches? The short answer is: it depends. Age alone isn’t the deciding factor—what matters most is how complex your finances are. Advisors can add real value when your … Read more

Joe Canavan is a Canadian venture capitalist and the principal of Canavan Capital. Recently named Angel of the Year by the National Angel Capital Organization, he was an early investor in companies such as Wealthsimple, KOHO and Borrowell. Earlier in his career he helped grow Fidelity Investments Canada’s assets under management from roughly $60 million … Read more

Buying a home is one of the biggest financial milestones for young Canadians—and one of the riskiest. For many households, a mortgage becomes the single largest ongoing expense, often requiring two incomes to remain affordable. Because of that risk, many new homeowners purchase life insurance soon after closing. Increasingly, the coverage people choose goes well … Read more

From Blue Jays games at Rogers Centre to weekend hikes in Rouge Valley, life in the Greater Toronto Area (GTA) moves at the pace you choose. With a population exceeding seven million, high prices have kept many buyers on the sidelines — but as the market recalibrates in 2026, opportunities are emerging for buyers who … Read more

Recency bias has a powerful effect on how investors reassess their portfolios. For many Canadian investors, that has often meant an overweighting to U.S. equities at the expense of broader international exposure, including both developed and emerging markets. Part of this preference comes from experience. Many younger investors never lived through the so‑called “lost decade” … Read more

If you’ve been waiting for borrowing costs to fall, the news is disappointing: the Bank of Canada (BoC) has left its policy rate unchanged for the fourth straight decision, significantly reducing the likelihood of rate cuts this year. The BoC’s policy rate, which guides lenders’ prime rates and therefore affects variable-rate products, has been at … Read more

The dream is enticing: retire in your thirties, stop commuting, and spend your days on your own terms. The FIRE movement — financial independence, retire early — has grown rapidly across online communities, promising that rigorous saving and disciplined investing can buy freedom decades sooner than traditional retirement timelines. For many Canadian millennials facing rents … Read more

Being disabled often brings significant extra costs. Advocates commonly call these unavoidable expenses the “disability tax”: the added financial burden of accessible equipment, modified housing, specialized transportation, and ongoing medical care. In Canada, where roughly one in four people identify as disabled, these costs can quickly strain household budgets. Tax season can help ease some … Read more