Emil Matacz, BA, RRC®
Financial Planner, Mortgage Agent Level 1
Financial Planner, Mortgage Agent Level 1
Canadian Individual Tax Checklist This checklist is for organizational purposes only and should not be considered legal or professional tax advice. Always consult with a qualified Canadian tax professional (e.g., a CPA) to ensure you meet all your specific tax …
Read moreCanadian Business Tax Checklist (T2 / Self-Employed) The checklist for businesses depends on the entity type (Sole Proprietor, Partnership, or Corporation) and its fiscal year-end (FYE). 1. Key Deadlines & General Review Entity Type Tax Payment Due T2/T1 Filing Deadline …
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We have lived through a remarkable bull market in 2025. However, long-standing investor wisdom has proven repeatedly that “what goes down must come back up.” Our goal is to manage your money through all market contingencies. That means both 1) …
Read moreAs the population ages, more people will face tax liabilities in their estate. Planning ahead is the only key to lessen the impact on your heirs. Capital gains taxation due in the final tax return can amount to thousands and often millions of dollars. We will look at the sources of these liabilities and then look at the solutions.
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We will help you plan your financial needs throughout your lifetime. Your most valuable asset is your healthy ability to earn an income. By helping you select the right combination of life and disability insurance protection and wise investments, we …
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Estate planning is a process that allows one to determine how their assets will be distributed upon death. As we prepare to pass our lifetime assets to our heirs, there are key components of an estate plan that should be given careful consideration.
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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, …
Read moreStock market language refers to two predominant patterns: “bulls” and “bears.” These terms describe the prevailing market trend and can sometimes cause concern, but understanding their meaning is key to maintaining a long-term perspective. My goal is to help you …
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Tax Planning is Legal: Canadians can legally arrange finances to minimize income tax. Tax Issues to consider: RRIF Withdrawals: Increases your tax burden and may result in an Old Age Security (OAS) clawback. Provincial Tax Rate: Living in a high-tax-rate …
Read moreGenerative AI has fundamentally changed cybercrime. It is no longer just about technical exploits but has shifted to hyper-personalized, scalable, and psychologically manipulative fraud. The scale of financial losses is unprecedented. The 2024 Internet Crime Report from the FBI documented …
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When establishing a financial plan involving other stakeholders, such as paying down a mortgage, develop a written plan that all parties agree on.
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