H&M Financial Blog

2015 Federal Budget: A Balance in Hand is Worth Two in the Bush

This report is provided by TD Economics. reprinted with permission Highlights • Oil prices have dominated the headlines throughout the 2015 budget season. And with national income growth expected to be soft in the near term, the coffers of federal government were not able to escape without a few scratches. • Despite this setback, the… Read more »

2015 Budget Bulletin

The 2015 Federal Budget was the first for Finance Minister Joe Oliver, and it tabled a number of proposals that will impact the financial, tax and estate plans of Canadians. The following is a summary of the most relevant budget proposals that may impact financial advisors and their clients. Federal Tax Rates There are no… Read more »

2015 Budget Analysis

2015 FEDERAL BUDGET Jamie Golombek, CPA, CA, CFP, CLU, TEP Managing Director, Tax & Estate Planning, CIBC Wealth Advisory Services Reprinted with permission from Renaissance Investments The April 21, 2015 federal budget (Budget) included a number of tax measures that will impact individuals and small business owners. As per the government assurance that this would… Read more »

Mortgages or Margaritas: Is paying down debt putting your retirement at risk?

The following commentary is courtesy of Renaissance Investments Jamie Golombek, CPA, CA, CFP, CLU, TEP , Managing Director, Tax & Estate Planning, CIBC Wealth Advisory Services The first two months of the year are known as “RRSP season” since the contributions you make to your RRSP up until March 2, 2015 allow you to claim a tax… Read more »

A Time To De-Risk

Cardinal Capital Management Inc. March 9th was supposedly a red-letter day for stock market aficionados. It marked the sixth anniversary of the current bull market, which started from the depths of the despair prevailing in the market melt-down following the Lehman Brothers bankruptcy in 2008 – the fourth longest bull market in recent US market history,… Read more »