Joshua Bacchus, CPA, CFP®, CLU®
Financial Advisor
Financial Advisor
What are some differences between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP)? The tax benefits of the Tax-Free Savings Account (TFSA) The TFSA is a registered savings account that makes it easy for Canadian taxpayers …
Read moreHere are some essential strategies that will help you achieve financial independence. It is important to get solid advice to design a plan incorporating planning values such as those noted herein. Separate your savings from your investments. Before investing for …
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Governments have cracked down on tax loopholes and foreign banks which have allowed clients to circumvent tax legally due. If you have maximized your RRSP, are in a higher tax bracket, and may have a capital gains tax liability in your estate, you needn't seek a tax haven offshore.
Read moreOne day your retirement income will flow from the capital you have been saving for years during thirty to forty of your working years.
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You can pay off your mortgage faster by increasing your monthly mortgage payments to pay more towards your principal, making additional payments on your mortgage, reviewing with your broker to find a better rate, or refinancing to shorten the amortization …
Read moreAfter the death of an individual, every estate must file a final (or 'terminal') tax return. All assets are deemed to be disposed of at time of passing, and this can trigger probate fees and other expenses.
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An advisor will work to help you achieve an investment plan. You must anticipate change and reflect on your specific financial goals and objectives while considering your level of investment risk tolerance. Your plan should be flexible enough to anticipate …
Read moreUnderstanding your risk tolerance: Each of us has a personal level of risk tolerance, which indicates how much risk one is willing to take while investing in markets that always go up and down. Your advisor can help you set …
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Financial products and services address specific needs in your financial plan and help you build a successful business. As an advisor, I can access a broad range of insurance, investment, employee disability, and group benefits to help meet your individual …
Read moreAs a dedicated mortgage professional, I have access to numerous lending institutions offering unique mortgage products. First-time homebuyers or those either with a mortgage for renewal or looking to refinance, give us a call. You needn't look any farther as we offer great options as a one-stop broker.
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You and your heirs may think that all of your assets will pass over to them tax free. Let's examine how estate taxation can erode the value of one's property and cause business succession problems
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