Resources
Financial Planning
- Advocis (The Financial Advisors Association of Canada) – consumer information »
Advocis is the oldest and largest voluntary professional membership association of financial advisors and planners in Canada. Members are experts who can provide a full range of financial services, including estate and retirement planning, wealth management, risk management and tax planning. - FP Canada »
FP Canada advances professional financial planning, developing, promoting and enforcing professional standards in financial planning through the CFP certification and raises Canadian’s awareness of the importance of financial planning. It is FP Canada’s vision to see Canadians improve their lives by engaging in financial planning.
Government Sites
- Old Age Security (OAS) Program »
The OAS provides you with a modest pension at age 65, if you have lived in Canada for at lest 10 years. This page provides to links to information about the program. - Canada Pension Plan (CPP) »
The Canada Pension Plan (CPP) retirement pension is a monthly, taxable benefit that replaces part of your income when you retire. If you qualify, you’ll receive the CPP retirement pension for the rest of your life. - Canada Education Savings Grant (CESG) »
Helping to save for your child’s future education costs. Parents, family members and friends are eligible to open a RESP on behalf of a child and apply for the Canada Education Savings Grant. - RDSP (Registered Disability Savings Plan) »
An RDSP is a savings plan intended to help an individual who is approved to receive the disability tax credit save for their long-term financial security. - First Home Savings Account (FHSA) »
A first home savings account (FHSA) is a registered plan allowing you, as a prospective first-time home buyer, to save for your first home tax-free (up to certain limits). - Home Buyers Plan (HBP) »
The Home Buyers’ Plan (HBP) is a program that allows you to withdraw funds from your Registered Retirement Savings Plans (RRSPs) to buy or build a qualifying home for yourself or for a related person with a disability. The HBP allows you to pay back the withdrawn funds within a 15-year period.You can withdraw funds from more than one RRSP as long as you are the owner of each RRSP account. Your RRSP issuer will not withhold tax on withdrawn amounts of $35,000 or less. Some RRSPs, such as locked-in or group RRSPs, do not allow you to withdraw funds from them.
Worksheets
- Current Expense Worksheet (PDF) »
This expense worksheet can help you track your daily spending, which is the first step towards putting a plan into action.
Investment Focus & Articles by CWEA Advisors
Market Update: What the Iran Conflict Means for Investors
Recent headlines about the escalating conflict involving Iran, Israel, and the United States have understandably created anxiety for investors. News coverage can make it feel as though markets are entering a dangerous new phase.
However, history and current economic conditions suggest a more measured perspective.
2025 – The Year in Review
2025 turned out to be a very good year for diversified investors. Most major stock markets finished higher, and portfolios benefited from staying invested despite plenty of headlines and uncertainty along the way. In Canada, the story was especially strong. The...
2025 – The First Half
The first half of 2025 has certainly kept investors on their toes. Global markets experienced a “Global Reset” in expectations amid trade-war escalations, shifting monetary and fiscal policies, and persistent inflation concerns. In this midyear newsletter, we’ll recap...
HOOPP For Ontario Physicians: How Does HOOPP Fit Into Your Retirement Strategy?
Until January 2025, Ontario physicians were on their own to plan and fund their retirement. OMA has now opened up HOOPP. Should it be a part of your retirement strategy?
2024 Recap
Going to the polls, easing inflation and equity markets performing well. Looking at the factors in play for 2024.
2023 ReCap
As we start the new year, let’s quickly review 2023. Investors faced many challenges last year, including elevated inflation, interest-rate hikes, geopolitical conflicts, and a slowing global economy. That said, those who were patient and rode out the volatility were...
Is it time to talk with a financial advisor?
It is never too soon to start the conversation with a financial planner who can help you define your goals and put a plan into place to reach them.