The You First Blog

We would like to wish you and your family a happy new year. We hope to provide you with a brief overview of how investment markets have performed over the past year and to look ahead at what we can expect for 2019. How did markets do in 2018? After an unusually calm year of… Read More

We feel it is important to periodically review the basic tax-advantaged account structures available to Canadian investors. In this article, we’ll discuss the Registered Retirement Savings Plan (RRSP) and it’s sibling, the Spousal Retirement Savings Plan (SRSP). Who Will Make Best Use of an RRSP? You will benefit from an RRSP if you are working… Read More

Between now and the March 1st RRSP deadline, many of you will contact us to top up your RRSP. To make a purchase, you can call, e-mail or schedule a meeting with us. Here are the various ways you can fund your RRSP account: 1: Pre-authorized debit (PAD): If we have your banking information on… Read More

Did your last paycheque look a little low? That’s because starting in 2019, the amount you contribute to Canada Pension Plan (CPP) will increase from 4.95% to 5.10% for earnings between $3,500 and $57,400. These contributions are matched by your employer. Therefore, if your salary is $57,400 or higher, you will pay approximately $81 more… Read More

“The average pencil is seven inches long, with just a half-inch eraser – in case you thought optimism was dead” – Robert Brault TSX Winning Streak Continues, Hits 11 Days The S&P/TSX Composite gained ground each day this week and is now on an 11-Day winning streak. It is still very early in the year,… Read More