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Our latest posts
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What’s Better: Salary or Dividends? A Guide for Business Owners
As a small business owner, deciding how to pay yourself—through salary, dividends, or a mix of both—is a crucial financial decision. The choice impacts not only your immediate income but also your tax burden, retirement savings, and long-term financial security. So, which is better? Salary or dividends? The right approach depends on your business structure,…
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Do You Get CPP at 60 or 65? Understanding When to Start Your Canada Pension Plan Benefits
The Canada Pension Plan (CPP) is a key source of retirement income for Canadians who have contributed to the program throughout their working years. But when should you start collecting your CPP benefits—at 60 or 65? This decision can significantly impact your retirement income, lifestyle, and long-term financial security. In this blog, we’ll explain:✅ What…
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Difference Between Term and Permanent Life Insurance in Canada
Life insurance is a key part of financial planning. It helps protect your family and loved ones if something happens to you. In Canada, there are two main types of life insurance: Term Life Insurance and Permanent Life Insurance. Each has its own benefits and drawbacks, so it’s important to understand the difference. What is…
