Learn how small, regular contributions can grow into something bigger over time. 

Life gets busy—and investing money often ends up at the bottom of the list. That’s where a simple, consistent approach can make all the difference.

You may have heard terms like pre-authorized debits and credits before. A Pre-Authorized Debit is money automatically withdrawn from your account to pay a bill or service, while a Pre-Authorized Credit is money automatically deposited into your account, like your paycheck or government benefits.

Retirement should be a time to relax, enjoy life, and do the things you’ve always dreamed of. But let’s face it—managing your finances after retirement can sometimes feel like a second job. Luckily, consolidating your assets with one financial institution, and one financial advisor, can make life a whole lot easier. Here’s why keeping everything under one roof is the savvy way to go:

Think estate planning is just for the rich and famous – think again. It’s for anyone who wants to ensure a legacy for their loved ones so there’s no better time than now to get started. And, once it’s done, you’ll have the peace of mind that everything’s sorted.

Here’s a simple step-by-step guide to get you rolling.

An RRSP (Registered Retirement Savings Plan) is a type of account you can use to defer income taxes until you retire, when you will theoretically have less income. Similarly to a TFSA, there are different types of investments you can direct your plan towards, including mutual funds and GICs. You are allowed to contribute 18% of your earned income such as salary, commission, bonuses and business income to your plan each year, up to an annual maximum determined by the Government. This contribution room accumulates if you don’t use it.

From our previous blogs What is a TFSA, really? and What is an RRSP? you can learn both offer tax advantages to help you reach your savings goals.

As a kid, I thought that hitting a baseball would be easy. Until I tried to hit a curveball. I wanted that homerun. So I had to learn how to adapt to the ball that was thrown at me. Then I had to learn how to hit a fastball. With each pitch, I learned it wasn’t about just hitting a baseball, or avoiding being hit by that baseball! It was about hitting the baseballs I was thrown. And running the bases with all my heart.

March: a time of great commitments. Commitment to spring breaks. Commitment to cold weather complaining and spring dreaming. Commitment to shamrock headbands and “Kiss me — my father’s second cousin was Irish!” shirts. But you don’t need to rely on the luck of the Irish to save for your retirement.