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Emil Matacz, BA, RRC®
Emil Matacz, BA, RRC®
Financial Planner, Mortgage Agent Level 1

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Personal Wealth and Finance


Life Insurance


Money management to mitigate tariff chaos

Recent trade policy developments have introduced a degree of market volatility and economic uncertainty. While it’s natural to notice these shifts, it’s important to view them within the broader context of long-term financial planning. For your investment portfolio, these evolving …

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Mortgages


The Advantage of Using a Mortgage Broker

Mortgage brokers are valuable mediators in the Canadian mortgage market, offering distinct advantages for both new homebuyers and those undergoing mortgage renewal. Multiple Lender Access: Mortgage brokers work with numerous lenders, such as major banks, credit unions, mortgage finance companies, …

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Financial Viewpoint


A financial plan is essential for a secure future

When creating a plan for any significant life decision, such as choosing a career, getting married, or buying a car, we must spend hours reviewing lists to determine priorities and timing. We must have clarity as we develop our essential …

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Wealth Viewpoint Quarterly


Transferring RRSPs to RRIFs at age 71

Understanding transferring RRSPs to RRIFs RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any …

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Estate View


Early Death Benefit Provisions of Canadian Life Insurers

Most Canadian Life Insurance companies provide policyholders diagnosed with a terminal illness with some form of early access to a portion of the death benefit. However, the specific terminology, eligibility requirements, and benefit amounts vary considerably. Living benefit, Early Death …

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Investor Insight


Avoid the Old Age Security (OAS) Clawback

The Old Age Security (OAS) clawback, officially known as the OAS recovery tax, reduces the amount of OAS pension you receive if your income exceeds a certain threshold. To avoid or minimize the OAS (Old Age Security) clawback in 2025, …

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Mortgages


Reviewing your mortgage is important

We have been blessed with low-interest rates affecting lower mortgage rates. Have you thought about what happens to mortgage rates and how a household’s expenses go up when these rates rise?

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Financial Planning


To retire well, maximize your income strategies

We invest in what people buy. When an equity investment fund or stock is purchased, you indirectly invest in businesses relating to what consumers buy.

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Estate View


7 ways life insurance protects your financial foundation

Life insurance has been called the foundation of your net worth. If you have a spouse or children, the initial stages of your financial strategy should include adequate life insurance coverage.

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Investor Insight


Investing with a team of asset managers

If you are an investor who remembers the mortgage debt crisis of 2008-9, you know that the stock market lost significant value. From an investment standpoint, the real downside occurred when some investors sold off their equity holdings due to …

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Investor Insight


RESP: Saving for children’s and grandchildren’s education

Canadian legislation enables Registered Education Savings Plans (RESPs) to support education savings for children and grandchildren through specific provisions outlined in the Canada Education Savings Act and related regulations. Facts about an RESP A Registered Education Savings Plan (RESP) is a …

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Registered Investments


Understanding transferring RRSPs to RRIFs.

RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any or a combination of: transferring …

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Life View


When Permanent Insurance makes sense

As the children get older and move out on their own, and your mortgage and other debts are nearly paid off, the need for life insurance capital designed to replace income for dependents decreases.

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Investor Insight


RRSP and TFSA REVIEW 2025

What are some differences between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP)? The tax benefits of the Tax-Free Savings Account (TFSA) The TFSA is a registered savings account that makes it easy for Canadian taxpayers …

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Mortgages


Why use a Mortgage Broker

As a dedicated mortgage professional, I have access to numerous lending institutions offering unique mortgage products. First-time homebuyers or those either with a mortgage for renewal or looking to refinance, give us a call. You needn't look any farther as we offer great options as a one-stop broker.

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Financial Viewpoint


The Fundamentals of Financial Independence

Here are some essential strategies that will help you achieve financial independence. It is important to get solid advice to design a plan incorporating planning values such as those noted herein. Separate your savings from your investments. Before investing for …

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Investor Insight


Is your money safe in a mutual fund?

One day your retirement income will flow from the capital you have been saving for years during thirty to forty of your working years.

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Life View


What is taxable in an estate?

After the death of an individual, every estate must file a final (or 'terminal') tax return. All assets are deemed to be disposed of at time of passing, and this can trigger probate fees and other expenses.

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Investor Insight


Why is portfolio strategy important?

Understanding your risk tolerance: Each of us has a personal level of risk tolerance, which indicates how much risk one is willing to take while investing in markets that always go up and down. Your advisor can help you set …

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