Let’s be real—Mondays are scary enough, right? So you won’t catch us throwing around scarcity messaging or fear-based headlines. That’s not our style.
But sometimes, even when we’re all trying to keep things calm and steady, there’s something important we need to talk about—and this is one of those times.
Here’s what’s happening: Canada’s fiscal landscape is shifting. We’re seeing higher defense spending, growing deficits, and rising tax pressure—and if you’re not paying attention, it could cost you. The good news? With a few smart moves and some solid financial planning, you can stay ahead of the curve and protect the wealth you’ve worked hard to build.
This is a great time to review your investments, insurance and retirement plan- and to explore strategies like trusts, incorporation, estate planning and tax optimization to ensure your financial future is resilient.
Business Owners & HR Folks
If you’re responsible for a team, payroll, or group benefits, there’s another layer here you need to know about.
Government policy changes are expected to impact payroll taxes and benefit structures, which could hit your bottom line—but there’s a bright side. In this new environment, offering financial wellness benefits isn’t just “nice to have” anymore—it’s a strategic move.
Employees are looking for more than just a basic benefits package. They want real support: financial education, better retirement planning options, and clearer communication around benefits. These will make employees feel valued—and stick around.
What We’re Recommending Right Now
Here’s what we are encouraging all clients and colleagues to do:
✅ Revisit your retirement projections. Inflation has shifted the landscape. Make sure you are on track to meet your goals
✅ Audit your group benefits. Are they aligned with what today’s workforce wants and needs?
✅ Build in flexibility. Your strategy should be ready to adapt to policy shifts.
✅ And above all—make financial planning part of your regular routine, not just a once-a-year task.
The Bottom Line?
Wealth is built through thoughtful, proactive planning—not by scrambling after the storm hits. This isn’t a call to panic. It’s a call to prepare. You’ve worked hard to build your wealth and your business.
The best news? You don’t have to figure it all out on your own. Let’s sit down, explore your options and build a plan that works for you.