Budget 2026 proposes new affordability, housing, benefit, and business investment measures. From fuel tax relief and a groceries benefit supplement to an “RRSP for life” consultation and the Productivity Mega Deduction, here is a plain-language overview of what the November 5, 2026 budget could mean for Canadians’ money.
As benefits advisors, we see employers struggling to balance rising costs with employee expectations for flexibility and support. This article explores what employees value most, the risks of cutting coverage, and how data-driven strategies can help organizations redesign plans that deliver both cost control and employee satisfaction.
Protect your high-income earners with a Wage Loss Replacement Plan (WLRP)—a tax-efficient, customizable disability insurance solution that provides direct, portable benefits without out-of-pocket costs for employees. Ideal for business owners and professionals, a WLRP helps attract and retain top talent while safeguarding income and retirement savings in the event of illness or injury.
The best way to provide your family with financial protection is with solid insurance planning. These three types of insurance will ensure your family has the financial resources they need if you die, are injured, or become ill:
– Life insurance.
– Critical illness insurance.
– Disability insurance.
Rising costs are squeezing benefit budgets. But cutting coverage isn’t the only option. Discover how thoughtful employers are adapting with creativity, transparency, and care — keeping benefits meaningful while managing costs with confidence.
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.
Insurance products, including segregated fund policies, are offered through Horizon Financial Group, and Financial Advisors Marc Sayer, Valerie Sayer and Conner Anastasakos offer mutual funds through IPC Wealth Inc. IPC Wealth Inc. is a member of CIRO and the Canadian Investor Protection Fund.
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 IPC Wealth Inc.
IPC Wealth and design are trademarks of Investment Planning Counsel Inc. and used under license by IPC Wealth Inc.