Joshua Bacchus, CPA, CFP®, CLU®
A CERTIFIED FINANCIAL PLANNER® Professional, Mortgage Agent Level 1
A CERTIFIED FINANCIAL PLANNER® Professional, Mortgage Agent Level 1
When shopping for a condominium home, consider the following potential financial risks as a condo ages. Every condo has a board whose job is to manage the physical and financial health of the condo, a massive undertaking. 1. Services and …
Read moreMany people get caught up timing the market, when influenced by either of the two emotions, greed or fear. Here’s why this never works.
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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 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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For many retirees, the transition from saving to spending brings a surprising challenge: excess income. Once you convert your RRSP to a Registered Retirement Income Fund (RRIF) by age 71, the Canada Revenue Agency (CRA) mandates a minimum annual withdrawal. …
Read moreYou 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 …
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Updated 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 …
Read moreStart-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.
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Life 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 …
Read moreWhen you apply for a mortgage, there are several questions that a lender may ask.
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Mortgage 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, …
Read moreTax 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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