Unlocking Hidden Wealth: How TFSAs Can Transform Your Family’s Financial Legacy

 February 13, 2026 |John Hastings CFA MBA
For many wealthy Canadian families, TFSAs are often neglected, overshadowed by corporations, trusts, and holding companies, but they should not be. Properly used, TFSAs are powerful tools for tax-free growth and long-term wealth transfer across generations...
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When Markets Have Their Own Black Friday Sales

 November 28, 2025 |John Hastings CFA MBA
Black Friday is the day when everything we want, or think we need, finally goes on sale. If we’re prepared with cash or credit and know where to find the best deals, we can take full advantage. What makes Black Friday unique is that it’s predictable....
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Turning Market Highs into Lasting Wealth

 November 06, 2025 |John Hastings CFA MBA
We keep hearing it from many of you - how much longer can the market (and your portfolio) keep climbing?climbing? Jim has aptly coined the term “altitude sickness” to describe the mix of excitement and unease that comes when markets reach new highs. Over...
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Minimizing Tax Liability: A Guide to Quarterly Tax Installments

 September 24, 2025 |John Hastings CFA MBA
As a taxpayer, it's essential to understand the rules surrounding quarterly tax installments to minimize your tax liability. According to the Canada Revenue Agency (CRA), individuals who earn taxable income with no tax withheld or insufficient tax withheld...
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Building a Brighter Future: RESPs Explained for Grandparents and Parents

 May 30, 2025 |John Hastings CFA MBA
As a grandparent or a new parent, you likely want to give your loved ones every advantage in life—especially when it comes to education. With post-secondary tuition costs steadily rising, planning early can make a world of difference. One of the most...
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Process and Behavior: Navigating Uncertainty with Confidence

 March 14, 2025 |Jim Noble and John Hastings
Over the years, we have seen countless headlines, political rhetoric, and policy shifts that have shaped both economic outcomes and investor behavior in the equity market. These cycles often create uncertainty, lack of clarity, and, in many cases, outright...
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Split income from joint accounts

 March 05, 2025 |John Hastings CFA MBA
Many couples assume they can split income from joint accounts to minimize their tax bills, but that’s not always the case. According to Canadian tax rules, each spouse must report income based on their individual contributions to the account. For example...
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How Corporate Wealth Transfer Can Preserve Your Asset

 March 05, 2025 |John Hastings CFA MBA
The Corporate Wealth Transfer strategy is common planning strategy that helps business owners transfer surplus assets held in their Canadian Controlled Private Corporation (e.g. a holding company). This approach is ideal for those with excess cash or...
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MyGPS - How we manage risk

 December 04, 2024 |John Hastings
How We Manage Risk To understand how we manage risk, it’s important to first define risk. To us, we think of risk as not having money when you need it. Let us illustrate this concept with a very simple example: Your car is 7 years old with 200,000 km...
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Unlock your (or your child's) path to homeownership; The ultimate guide to Canada's new-ish Tax-Free First Home Savings Account

 October 29, 2024 |John Hastings
In 2023, Canada launched the FHSA (Tax-Free First Home Savings Account), a new financial tool designed to help first-time home buyers save up to $40,000 tax-free. Think of it as a hybrid between the RRSP and TFSA: you get the tax-deductibility of an RRSP...
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