Insights

Navigating Canada’s Financial System: A Guide for Newcomers

November 12, 2025 |Hasnain Fancy

Moving to a new country is one of the most courageous decisions anyone can make — and if you’ve chosen Canada, welcome.

High stakes, narrow margins: Canada’s federal budget bets on investment-led growth

November 05, 2025 |Cynthia Leach, Robert Hogue, and Salim Zanzana

Overall, the story of Budget 2025 is as expected. There is big new spending and deficits that would be even larger without review savings. Buffers are slim against the two fiscal anchors of a balanced operating budget by 2028-29, and a declining deficit-to-GDP...

Canadian federal budget preview

October 27, 2025 |Cynthia Leach

A new playbook for balancing bigger government with fiscal health We believe the context and composition of government spending matter as much as the quantum. Cyclically, our outlook has Canada avoiding a recession from the current set of tariffs, but...

Don't put all your eggs in one basket

October 24, 2025 |Hasnain Fancy

Markets move in cycles — sometimes calm, sometimes chaotic. The one principle that stands the test of time? Diversification. Why It Matters No single investment or sector performs well all the time. Diversification spreads risk — protecting your portfolio...

Essential Lending Metrics for Business Owners and Controllers

September 24, 2025 |Hasnain Fancy

When reviewing credit requests, lending institutions focus on financial resilience, repayment ability, and management quality. Below are some key metrics and why they matter: 1. Cash Flow Coverage Metric: Debt Service Coverage Ratio (DSCR), comfort level...

5 Reasons Business Owners Should Build a Strong Relationship With Their Commercial Banker

September 17, 2025 |Hasnain Fancy

As a business owner, you already know that growth and success don’t happen in isolation. You rely on clients, employees, and partners who understand your goals and challenges. One relationship that often gets overlooked, but can be just as critical,

Are U.S. tariffs accomplishing their goals?

August 20, 2025 |Claire Fan

The trade war remains in its early stages, with U.S. tariff revenues trailing behind announcements into the summer. Nevertheless, import tariffs collected as a share of U.S. imports have already risen to their highest level since the 1940s.

The Trifecta : How Physical Wellness, Mental Health, and Financial Wellbeing Work Together

August 14, 2025 |Hasnain Fancy

In today’s fast-paced world, conversations about health often focus on either the body, the mind, or money—but rarely all three. Yet, the truth is, physical wellness, mental health, and financial wellbeing are deeply interconnected.

Fall Economic Statement 2024: Canada boosts investment appeal and the deficit deepens

December 18, 2024 |Rachel Battaglia, Robert Hogue and Cynthia Leach

Given the political uncertainty facing Canada, the fate of many of the measures announced in the 2024 Fall Economic Statement is highly uncertain. However, the fiscal update still serves as a snapshot of where the economy is headed and how upcoming challenges...