Generic semaglutide (the active ingredient in Ozempic) is now available in Canada, and it has the potential to meaningfully reduce drug costs for employer-sponsored benefits plans. But savings are not automatic. Without the right plan design in place, many members may stay on the brand-name drug and costs could remain unchanged. Here is what plan sponsors need to know and do right now.
Most Canadians do not think about their group benefits until the day they leave a job, and by then, the clock is already ticking.
Health and dental coverage typically ends on your last day. But here is the part many people miss: your group life insurance comes with a conversion privilege that lets you carry it over to an individual policy without a medical exam. The window to act is usually just 31 days.
Whether you are changing jobs, being laid off, or heading out on your own, knowing your options before your last day makes a real difference. Here is what to know.
Participating whole life insurance is a permanent policy that does more than protect your family — it builds cash value and pays dividends over time. Learn how it works, who it’s for, and how it compares to other types of life insurance.
The 2025 tax year brings a lower federal tax rate, higher contribution limits, and several eliminated credits. From the new Canada Disability Benefit to changes in CPP2 and capital gains rules, here are the key lines to watch when filing your 2025 Canadian tax return.
The 2026 Ontario Budget brings major changes for small business owners, home buyers, and investors. From a cut to the small business tax rate to an enhanced HST rebate on new homes, here is what you need to know and how it could affect your finances.
2026 Canada Money Facts – Get the latest TFSA, RRSP, FHSA, CPP, OAS, and RESP limits. Stay informed on savings, pensions, and benefits for the year ahead!
Are you retirement-ready for 2026? Discover the specific math behind CPP and OAS benefits, the new tax-sheltered contribution limits, and why tax-exempt life insurance may be your missing ‘third bucket.’ Learn how to bridge the gap between government support and the lifestyle you’ve earned.
Managing your finances effectively begins with staying informed about important dates and deadlines throughout the year. This comprehensive guide outlines key financial milestones, including tax deadlines, benefit payment schedules, and contribution opportunities, to help you stay organized and on track. Whether you’re planning for tax season, reviewing your investments, or ensuring timely payments, this calendar provides everything you need to navigate the year with confidence. Take a moment to familiarize yourself with these essential details and set yourself up for a smooth and successful 2026.
As 2025 wraps up, it’s time for business owners to focus on smart year-end tax strategies. Learn how to manage cash flow, balance salary and dividends, and take advantage of deductions and credits before December 31.
The end of 2025 is the perfect time to get organized and take advantage of key tax-saving opportunities. From RRSPs and TFSAs to family credits and student benefits, these practical year-end tips can help you save money and prepare for tax season with confidence.
Insurance products, including segregated fund policies are offered through Horizon Financial Group, and Investment Representatives Marc Sayer, Valerie Sayer and Conner Anastasakos offer mutual funds and referral arrangements through Quadrus Investment Services Ltd. Any activity in relation to titles of President, Chief Investment Officer and Vice-President of Horizon Financial Group is related to insurance business only and is not the business of/or under the supervision of Quadrus Investment Services Ltd. Quadrus, Quadrus Investment Services Ltd. and design are trademarks of Quadrus Investment Services Ltd. Used with permission.