The GTA Market Reset: What Smart Investors Should Be Watching Now
Every time the market shifts, the headlines get simpler, and the reality gets more complicated. So instead of guessing, I sat down with Nick Karadza of Rock Star Real Estate, someone who’s been in...
View Article6 Things Every Missing Middle Investor Needs to Know Before Breaking Ground
You can read all the theory you want about missing middle housing — zoning changes, GST rebates, CMHC financing. But at some point, you want to know: what does it actually cost, and what does it...
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Millennials Can’t Afford Houses. Here’s How They’re Getting Ahead Anyway.
A young couple sat in my office a few months ago. Both work full time. Both make decent money. They had saved $28,000, and they were embarrassed about it. “Cherry, we’ve been saving for four years,”...
View ArticleHow to Pay Off Your Mortgage 14 Years Sooner — and Turn It Into a Tax...
Let me ask you something. When you think about your mortgage, what do you feel? For most people, it’s a mix of dread and just… acceptance. It’s the biggest debt of your life, and you figure you’ll be...
View ArticleFive Ways To Pass Your Home To Your Kids Without Probate
If you have spent years paying off your home, you have probably wondered how much of it your kids will actually keep when you are gone. Here is what most people do not realize. Before your kids can...
View ArticleIs Missing Middle Your Next Real Estate Opportunity
You’ve heard you can build a fourplex on a regular lot now. The rules changed. Everyone got excited. But almost nobody explains how these deals actually work, or whether they’re right for you. So...
View ArticleWhat Really Makes the CRA Pick Your File for an Audit
Let me start with something most accountants would never admit in public. I got audited. Me. A CPA who does this for a living. I file my own taxes carefully, I know the rules, and the Canada Revenue...
View ArticleMutual Funds vs Real Estate and the Third Option Nobody Talks About
If you are reading this, chances are you already own at least one rental property. You picked real estate for a reason and understand how leverage works. You watched your equity climb while your...
View ArticleHow to Pass Your Properties to Your Kids Without a Tax Disaster
Let me start with the truth most parents don’t want to hear. If you invest in Canada and you make money, at some point someone has to pay the tax. If you don’t pay it today, your kids who inherit...
View ArticleThe Only Way to Take Money Out from Your Corporation Tax Free
Most people assume tax is tax. Money comes in, you hand some of it over to the government, and that is the end of the story. But what if I told you there is an account inside your corporation that...
View ArticleFour Tax Mistakes Retiring Canadians Make That Cost Tens of Thousands
I recently sat down with a client I’ll call Sandra. Sandra is 58 years old. She earns $130,000 a year as a vice-principal in Mississauga and has saved consistently her whole career. She bought a...
View ArticleOntario 2026 Budget: Every Tax Change That Matters for Real Estate Investors...
Ontario dropped its 2026 budget today. There is a lot in it. Most of it will not affect you. But some of it will. And I want to make sure you know exactly what changed, what it means for your money,...
View ArticleYour RRSP Will Be Taxed. Here Is How to Pay Less.
Most Canadians know why they should contribute to an RRSP. You get a tax deduction today. Your investments grow inside the plan without being taxed each year. You defer the tax until later, hopefully...
View ArticleHow to Extract Retained Earnings from Your Corporation Without Getting...
Most incorporated business owners hit a moment where they realize something uncomfortable. The money is there. The corporation has been profitable for years. Retained earnings have built up. But...
View ArticleMore Than Half of Canadians Have No Will. Here Is What Actually Happens to...
More Than Half of Canadians Have No Will. Here Is What Actually Happens to Your Money When You Die. I want to start with two numbers. 53%. And 42%. A 2024 survey by Narrative Research found that 53%...
View ArticleHow to Avoid Probate Without Creating Bigger Tax Problems
Most Canadians hear one thing about probate: “Try to avoid it.” But very few people understand what probate actually is, how it differs by province, what it truly costs, and whether avoiding it even...
View ArticleHow to Pass Real Estate to Your Kids Without Triggering a Massive Tax Bill
Most people don’t realize that the CRA treats death like a sale. You could own a rental property for 30 years, never sell it, never refinance it, and never take money out… and still owe hundreds of...
View ArticleDo This Once and You Can Control Probate, Taxes, and Family Fights for Decades
Most Canadians think estate planning ends with a will. That belief is understandable. Wills are familiar. Everyone has heard of them. Many people already have one sitting in a drawer. But that...
View ArticleEverything You Need to Know About Claiming Capital Cost Allowance on Rental...
Most rental property owners have heard of Capital Cost Allowance (CCA). Fewer truly understand it. And even fewer use it intentionally. Capital Cost Allowance, or CCA, is essentially a tax write-off...
View ArticleThe Myth of Inheritance Tax in Canada: What Actually Happens When You Die
If you’ve ever thought estate planning was just about saving taxes, you might be surprised to learn that the real challenge is finding the money to pay those taxes when the time comes. Let me tell...
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