Private markets are no longer reserved solely for institutions and the ultra-wealthy. With the guidance of an experienced discretionary Portfolio Manager, Canadians can now access a growing list of alternative investments. When thoughtfully combined with a well-structured public market portfolio, these investment opportunities can improve diversification and enhance overall risk-adjusted returns.

When we think about spousal RRSPs (Registered Retirement Savings Plans), it’s easy to picture a tool solely for retirement savings, but Spousal RRSPs offer more than just a retirement planning advantage—they’re also a powerful way for couples to reduce taxes and shift income before retirement.

When you leave an employer after contributing to a Defined Benefit (DB) pension plan, whether it’s early in your career or at retirement, you’re faced with a crucial financial decision: do you take the commuted value of your pension, or do you leave your retirement savings in the defined benefit plan? Defined Benefit pensions are often considered a stable retirement foundation, but in many cases, taking the commuted value—a one-time payout based on the present value of your expected pension income—can be the smarter choice for Canadians.