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Set Yourself up for Financial Success in 2021

Posted by Frank Gasper on 19 January 2021
Set Yourself up for Financial Success in 2021
Whether you set new year resolutions or not, taking one step toward improving your financial literacy and applying that knowledge in 2021 would serve everyone well. Small steps will get you moving in the right direction. Here are some easy ways to get started. Learn About Personal Finance Whether you have lots of time or only a few minutes a week, there are plenty of sources of information on personal finance. Here are some solid recommendations to get you started. Blogs:&...
Posted in: Emergency Fund Budget TFSA Pre-authorized payments  

Everything You Need to Know About RESPs, But Probably Don't

Posted by Frank Gasper on 2 July 2020
Everything You Need to Know About RESPs, But Probably Don't
RESP Basics You likely know that a Registered Education Saving Plan (RESP) is intended to save money for your child's education and that the invested money is allowed to grow tax free. When your child is ready to go to a post-secondary institution, you know can withdraw the money to pay for their tuition. Hopefully you also know about the Canada Education Savings Grant (CESG), which matches your contribution up to $500 per year up to a maximum of $7,200 in a lifetime.  For low ...
Posted in: RESP Life Planning Financial Advice  

An Estate Plan is the Ultimate Gift

Posted by Frank Gasper on 21 April 2020
An Estate Plan is the Ultimate Gift
What is an estate plan? An estate plan is simply a checklist that ensures your personal belongings and finances are easy to manage and distribute, exactly how you want them to be, when you die. It also makes sure your estate doesn't pay more tax or legal fees than it needs to and perhaps most importantly, it makes things so much easier for your loved ones. While the word "estate" is often associated with large properties and the wealthy, in this case, it only refers to you...
Posted in: TFSA RESP RRSP In-Trust Account (ITF) Life Insurance Life Planning Retirement Planning Financial Advice Estate Planning  

The Best Kept Personal Finance Secret: RDSPs

Posted by Frank Gasper on 24 March 2020
The Best Kept Personal Finance Secret: RDSPs
If I told you that the government would match your contribution to a long-term savings plan by 300%, would you be interested in learning more? How about 200%? Are you still listening at a 100% match? About RDSPs For individuals with any sort of disability that affects their daily life (physical or intellectual), a Registered Disability Savings Plan (RDSP) is available to them. An RDSP allows the individual (or parent/guardian) to save for the long-term in a tax-deferred account, but also...
Posted in: Budget Tax-deferred Income Life Planning Retirement Planning Registered Disability Savings Plan (RDSP) Financial Advice Estate Planning  

Retirement Planning: Learn From Other People's Mistakes

Posted by Frank Gasper on 18 February 2020
Retirement Planning: Learn From Other People's Mistakes
Retirement Planning: Learn From Other People's Mistakes I get asked a lot of questions about money; from clients, friends, family, neighbours and strangers and I can honestly say, I have never come across any personal finance situation that was the same for any one person. My answers for them are always different because every single person has a twist to their financial story. But I have noticed some very common mistakes people make when it comes to planning for their retirement. I...
Posted in: Budget TFSA RRSP Life Insurance Life Planning Retirement Planning Financial Advice Estate Planning Pre-authorized payments  
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