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A family sells farmland for $1.6 million with an ACB of $150,000, creating a $1.45M gain.
If the LCGE applies, up to $1,250,000 can be exempt.
If it doesn’t apply, the tax bill could be $350,000.
A family sells farmland for $1.6 million with an ACB of $150,000, creating a $1.45M gain.
If the LCGE applies, up to $1,250,000 can be exempt.
If it doesn’t apply, the tax bill could be $350,000.
If a tradesperson earning $150,000 gets injured and can’t work for six months, the income loss is roughly $75,000.
Most group plans cover $2,500 to $3,000 per month, leaving a shortfall every month
If a tradesperson earning $150,000 gets injured and can’t work for six months, the income loss is roughly $75,000.
Most group plans cover $2,500 to $3,000 per month, leaving a shortfall every month
A physician earning $380,000 saves only $2,000 per month.
After taxes and lifestyle costs, that’s just $24,000 per year, or around 6% of income.
A physician earning $380,000 saves only $2,000 per month.
After taxes and lifestyle costs, that’s just $24,000 per year, or around 6% of income.
A farm family sells a parcel for $1.2 million and deposits the proceeds into a Guaranteed Investment Certificate earning 3%.
After tax, the real return is closer to 1.5%, or $18,000/year.
A farm family sells a parcel for $1.2 million and deposits the proceeds into a Guaranteed Investment Certificate earning 3%.
After tax, the real return is closer to 1.5%, or $18,000/year.
A contractor earns $220,000 and puts everything back into tools, vehicles, and staffing.
At the end of the year, personal savings might be only $10,000.
A contractor earns $220,000 and puts everything back into tools, vehicles, and staffing.
At the end of the year, personal savings might be only $10,000.
Throwing to the wrong base can cost the game even if the throw looks good.
In personal finance, not all moves are smart, even if they feel productive.
Throwing to the wrong base can cost the game even if the throw looks good.
In personal finance, not all moves are smart, even if they feel productive.
That’s right - most funds sold at the bank don’t beat the market.
High fees or poor strategies drag them down.
If you’re buying what your bank advisor pushes, odds are you’re losing.
Ready to reach out? Start the conversation at greenhelixfinancial.com.
That’s right - most funds sold at the bank don’t beat the market.
High fees or poor strategies drag them down.
If you’re buying what your bank advisor pushes, odds are you’re losing.
Ready to reach out? Start the conversation at greenhelixfinancial.com.
Holding cash feels safe, but inflation makes it shrink.
A dollar today buys less tomorrow.
Cash is a tool for short term needs, not long term security.
Investing protects your future purchasing power.
Ready to reach out? Start the conversation at greenhelixfinancial.com.
Holding cash feels safe, but inflation makes it shrink.
A dollar today buys less tomorrow.
Cash is a tool for short term needs, not long term security.
Investing protects your future purchasing power.
Ready to reach out? Start the conversation at greenhelixfinancial.com.
Veterans don’t just chase stats - they mentor the next generation.
That’s what wealth transfer is all about.
Whether it's gifting during life or planning through your will, passing on your values is just as important as your assets.
Veterans don’t just chase stats - they mentor the next generation.
That’s what wealth transfer is all about.
Whether it's gifting during life or planning through your will, passing on your values is just as important as your assets.
Missing the ten best days in the market over a decade could cut your returns in half.
Trying to time the market costs real money.
Discipline makes you rich - panic makes you poor.
Missing the ten best days in the market over a decade could cut your returns in half.
Trying to time the market costs real money.
Discipline makes you rich - panic makes you poor.
Retirement doesn’t free you from taxes.
RRIF withdrawals, pensions, and CPP all get taxed.
Without a plan, you can lose thousands each year to the CRA.
Retirement doesn’t free you from taxes.
RRIF withdrawals, pensions, and CPP all get taxed.
Without a plan, you can lose thousands each year to the CRA.
Coaches hate loaded bases with no outs - it adds pressure and limits options.
The same goes for your cash flow.
If your spending is clogged, your savings can’t move.
Coaches hate loaded bases with no outs - it adds pressure and limits options.
The same goes for your cash flow.
If your spending is clogged, your savings can’t move.
Most people don’t understand basic concepts like inflation, diversification, or taxes.
That lack of knowledge costs billions in mistakes.
Most people don’t understand basic concepts like inflation, diversification, or taxes.
That lack of knowledge costs billions in mistakes.
Your bank advisor works for the bank.
They don’t answer to you.
They sell the products that make the bank money.
Independent advice means someone is finally on your side.
Your bank advisor works for the bank.
They don’t answer to you.
They sell the products that make the bank money.
Independent advice means someone is finally on your side.
In baseball, signing a long-term deal can change your future - but it has to fit the budget.
A mortgage is your biggest contract.
In baseball, signing a long-term deal can change your future - but it has to fit the budget.
A mortgage is your biggest contract.
Consistently investing $10 a day with long-term growth can snowball into more than half a million dollars.
The number feels small, but time turns it into freedom.
Daily discipline creates lifelong wealth.
Consistently investing $10 a day with long-term growth can snowball into more than half a million dollars.
The number feels small, but time turns it into freedom.
Daily discipline creates lifelong wealth.
Guaranteed Investment Certificates feel safe, but they aren’t risk free.
Inflation eats away at your buying power.
A two percent return with three percent inflation is really a loss.
Guaranteed Investment Certificates feel safe, but they aren’t risk free.
Inflation eats away at your buying power.
A two percent return with three percent inflation is really a loss.
No team enters spring training without a goal - division title, playoff run, championship.
Your finances need that same clarity.
Whether it’s buying a home, retiring early, or helping your kids with school, set the goal, then build the plays.
No team enters spring training without a goal - division title, playoff run, championship.
Your finances need that same clarity.
Whether it’s buying a home, retiring early, or helping your kids with school, set the goal, then build the plays.
Leave your savings in a “safe” bank account at 2 percent interest and it takes 35 years to double.
Meanwhile, the cost of living could double in half that time.
Slow growth isn’t security, it’s falling behind.
Leave your savings in a “safe” bank account at 2 percent interest and it takes 35 years to double.
Meanwhile, the cost of living could double in half that time.
Slow growth isn’t security, it’s falling behind.
When markets dip, banks sell you “safe” products.
They use your fear to lock you into high-fee, low-return investments.
Your fear makes them rich.
When markets dip, banks sell you “safe” products.
They use your fear to lock you into high-fee, low-return investments.
Your fear makes them rich.
One account for everything sounds simple, but it makes goals harder to reach.
Having separate accounts for emergencies, vacations, and long term savings keeps you disciplined.
You see progress clearly and spend with confidence.
One account for everything sounds simple, but it makes goals harder to reach.
Having separate accounts for emergencies, vacations, and long term savings keeps you disciplined.
You see progress clearly and spend with confidence.
You don’t need to read financial news daily or become a market expert to succeed.
Most successful investors aren’t picking stocks or predicting trends. They’re following a simple plan with discipline and consistency.
You don’t need to read financial news daily or become a market expert to succeed.
Most successful investors aren’t picking stocks or predicting trends. They’re following a simple plan with discipline and consistency.
Even Hall of Famers go through slumps. You don’t bench them - you trust the process.
The market’s the same. Some months are hot. Some cold.
Volatility is part of the game, but the key is staying disciplined.
Even Hall of Famers go through slumps. You don’t bench them - you trust the process.
The market’s the same. Some months are hot. Some cold.
Volatility is part of the game, but the key is staying disciplined.
That’s what a poor withdrawal strategy can cost in retirement.
Taking money from the wrong account at the wrong time feeds the CRA instead of your lifestyle.
Smart planning saves hundreds of thousands.
Guessing makes the government rich.
That’s what a poor withdrawal strategy can cost in retirement.
Taking money from the wrong account at the wrong time feeds the CRA instead of your lifestyle.
Smart planning saves hundreds of thousands.
Guessing makes the government rich.
Want to travel, relax, or spoil the grandkids?
It won’t just happen because you worked hard.
Retirement dreams need money behind them.
Want to travel, relax, or spoil the grandkids?
It won’t just happen because you worked hard.
Retirement dreams need money behind them.