Joshua Bacchus, CPA, CFP®, CLU®
A CERTIFIED FINANCIAL PLANNER® Professional, Mortgage Agent Level 1
A CERTIFIED FINANCIAL PLANNER® Professional, Mortgage Agent Level 1
When creating a plan for any significant life decision, such as choosing a career, getting married, or buying a car, we must spend hours reviewing lists to determine priorities and timing. We must have clarity as we develop our essential …
Read moreEstate planning is a process that allows one to determine how their assets will be distributed upon death. As we prepare to pass our lifetime assets to our heirs, there are key components of an estate plan that should be given careful consideration.
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Paying off your mortgage means that you will own your home. It moves you closer to financial independence, freeing up more money to invest for a secure retirement. By shortening your mortgage payment period, you pay much less interest over …
Read moreAs the population ages, more people will face tax liabilities in their estate. Planning ahead is the only key to lessen the impact on your heirs. Capital gains taxation due in the final tax return can amount to thousands and often millions of dollars. We will look at the sources of these liabilities and then look at the solutions.
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Many people get caught up timing the market, when influenced by either of the two emotions, greed or fear. Here’s why this never works.
Read moreA mortgage payment generally consists of several components: the mortgage principal and interest, property taxes and mortgage life insurance.
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As 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.
Read moreNavigating the TFSA and RRSP landscapes can be tricky, especially with “re-contribution” traps. Here is the detailed breakdown of the rules, the historical limits, and why the TFSA is often the superior choice for large, one-time withdrawals. TFSA Contribution & …
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You are permitted to contribute to your RRSP up until December 31 of the year in which you turn 71, at which point your RRSP must be closed. This deadline is firm — missing it means the entire balance is …
Read moreUpdated for 2026 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 allows Canadian taxpayers …
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Start-up firms and smaller companies are especially vulnerable to potentially devastating financial risk because they often lack big company sophistication and in-house risk-control expertise. We will help you gain control of your financial risk.
Read moreLife insurance provides a tax-free death benefit and is a necessary component of most financial plans. Let’s look at the Top Insights on using life insurance to protect our assets and build wealth. Types Of Life Insurance Term Insurance: Term …
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When you apply for a mortgage, there are several questions that a lender may ask.
Read moreMortgage brokers are valuable mediators in the Canadian mortgage market, offering distinct advantages for both new homebuyers and those undergoing mortgage renewal. Multiple Lender Access: Mortgage brokers work with numerous lenders, such as major banks, credit unions, mortgage finance companies, …
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Tax Planning is Legal: Canadians can legally arrange finances to minimize income tax. Tax Issues to consider: RRIF Withdrawals: Increases your tax burden and may result in an Old Age Security (OAS) clawback. Provincial Tax Rate: Living in a high-tax-rate …
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