Expert Financial
and Tax Planning Insights & Resources

Each February in Quebec, employees often rush to make last-minute RRSP contributions, aiming to reduce their income tax. A few weeks later, an RRSP tax refund arrives, but it frequently…

Your Quebec home is often your largest asset. In 2026, with higher interest rates, inflation, and record housing values, many owners seek to safely access their home equity. The goal…

Introduction Many Quebec retirees are “house rich, cash poor.” Their paid-off homes offer little liquid income, while rising costs, healthcare, and family support strain retirement plans. Market volatility adds stress.…

Introduction Many Quebec residents assume a RAMQ card provides full coverage. While RAMQ offers strong basic medical protection, it has significant gaps. These include dental, vision, certain medications, and medical…

Introduction: Borrowing to invest can accelerate wealth but also magnify risk and tax errors. Investment loans in Canada are powerful tools when used with a clear plan, appropriate time horizon,…

Introduction Selling a Quebec rental property can result in a substantial tax bill without proper planning. Capital gains tax, renovation records, depreciation recapture, and timing all impact net proceeds after…