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Why High-Income Earners Should Consider a Wage Loss Replacement PlanOctober 6, 2026 - 3:39 pm
How To Use Insurance To Provide Your Family With Financial ProtectionSeptember 2, 2026 - 12:30 pm
The Impact of Rising Costs on Employee BenefitsAugust 6, 2026 - 1:46 pm
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.
2026 Financial Calendar
/in 2026, Blog, Family, Financial Planning, personal finances, rrsp, tax, Tax Free Savings Account/by Horizon FinancialManaging 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.
2025 Year-End Tax Tips and Strategies for Business Owners
/in 2025, Blog, business owners, Financial Planning, tax/by Horizon FinancialAs 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.
2025 Personal Year End Tax Tips
/in 2025, Blog, Financial Planning, individuals, tax/by Horizon FinancialThe 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.
2025 Federal Budget Highlights
/in 2025, Blog, business owners, Estate Planning, Family, Financial Planning, incorporated professionals, individuals, Investment, mortgage, personal finances, Professional Corporations, Professionals, Retirees, retirement, tax/by Horizon FinancialThe 2025 Federal Budget focuses on stability and long-term growth, with no new broad tax increases. Key updates include GST relief for first-time home buyers, new credits for caregivers, and expanded incentives for clean-tech and manufacturing investment. The budget also clarifies how the 21-year rule applies to trusts and delays the new bare-trust reporting requirements to 2026. Overall, the plan aims to balance fiscal discipline with practical support for Canadians and small businesses.
What You Need to Know About RRIFs
/in 2025, Blog, Investment, pension plan, Retirees, retirement/by Horizon FinancialRRIFs come with required annual withdrawals that increase over time. Learn how much you must take out, how it’s taxed, and how to make the most of your retirement income.