Insights

Canada U.S. tariffs on key Canadian exports, including energy products, aluminum, steel, and any products that are not qualified as covered under the Canada-U.S.-Mexico Agreement (CUSMA), have now clearly bitten into the country’s economic growth, with...

“Cybercrime is the greatest threat to every company in the world.” ~ Ginni Rometty, former President & CEO, IBM The numbers are sobering, and they hit directly at a business's bottom line. According to Statistics Canada, one in six of all Canadian businesses...

As the year winds down and we approach the final quarter of 2025, there's still time to make strategic moves that could save you time and money when tax season arrives next April. Rather than scrambling then, or worse, realizing that you didn’t take advantage...

We often get the chance to try out big purchases before committing, but unlike buying a car, there’s no way to take retirement for a test drive. Or is there? Retirement is no longer just a point in time, but rather another whole life stage than can last...

The Bank of Canada delivered an expected 25 basis point rate cut today, lowering the overnight rate to 2.25%—the bottom of the neutral range that would not add to or subtract from inflation pressures over time. Beyond the rate cut itself, two themes stood...

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...

Canada's population growth continues to slow since tighter federal targets on permanent and non-permanent residents with Q2 marking the weakest quarterly growth since the pandemic. As of July 2025, the population reached 41.7 million, reflecting a year-over-year...

The U.S. economy seems in many ways an anomaly. Interest rates are, by many measures, in “restrictive” territory, and yet the unemployment rate remains quite low. The U.S. is in the midst of a historic trade shock with 100-year high tariffs, but inflation...

There was further evidence of a recovery is taking hold in many housing markets across Canada in August, but local price trends still varied considerably with declines continuing in affordability-challenged areas where inventory has piled up. Early reports...