Articles

A practical Canadian starter kit: which accounts to open first, simple investing, and the small habits that actually matter.

When it comes to investing, what is the most important thing? Asset allocation? Stock picking? Market timing? The answer is: None of the above. Historically, the best guarantee of good investing returns is simply time in the market. There are two, possibly three reasons for this:

I interviewed 50 smart people around the world for my annual Rich Thinking® research paper to be released on March 8, 2026. My central research question was “What’s your healthiest habit?” I also asked these men and women from diverse professions and cultures “How much do you spend on this habit?”.

Q: I would like to get your opinions on what investors should do given possibly an inevitable market correction. Many portfolios have gone up over 25% this year, which likely is not sustainable. Should we move to bonds? If so, where?

Can a judge set aside a post-nuptial agreement? Short answer: Yes. So, be careful that your post-nuptial agreement does not go too far.

In my last article, I introduced the Health Spending Account (HSA) as a unique and simple tool for corporations of 1-through-10,001-and greater employees to either augment or define the foundation of their health benefits plan, using tax-preferred funds. In this issue, we’ll dive deeper into unique planning strategies for business owners to help identify the most efficient plan structure to suit their needs.

Over the years, several people have offered their thoughts about tax refunds and what to do when we get them. The first thing that most commentators point out is that a refund is a de facto admission that you have overpaid through tax withholdings and/or instalments over the previous tax year. Calibrating the amounts you’ll need to remit regularly and then paying accordingly helps. It is important to incorporate not only your income level, but also the deductions you are likely to incur along the way.

I was outside watering my garden when I saw Sandra come by. She’s my neighbour—friendly, always ready to lend a hand, and someone I enjoy talking with.

We smiled and started chatting, just like usual.

Knowing that I talk to families about estate and legacy planning, it made it comfortable for her to start talking about her family.

With the year winding down, savvy Canadian investors start thinking about tax loss selling to optimize planning opportunities and reduce tax. Tax loss selling is a planning strategy that allows investors to offset taxable capital gains by realizing capital losses in their portfolios. While relatively straightforward, the rules around tax loss selling—particularly the deadlines, superficial loss rules, and integration with broader financial goals—are nuanced.