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Generic Ozempic Is Here. Will Your Drug Plan Actually Save Money?July 15, 2026 - 10:45 am
What Happens to Your Group Benefits When You Leave a Job?July 1, 2026 - 6:10 am
What Is Participating Whole Life Insurance?June 1, 2026 - 1:03 pm
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.
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.
Leaving Your Employer – Should You Take Your Pension?
/in Blog, Investment, pension plan, Retirees, retirement/by Horizon FinancialLeaving your employer? One of the biggest financial choices you’ll face is whether to take your pension or leave it. Learn about your options, key considerations, tax rules, and what unlocking your pension really means so you can make a confident decision about your future.
Supporting Your Aging Parents Without Sacrificing Your Own Stability
/in Blog, Estate Planning, Retirees, retirement/by Horizon FinancialAs your parents age, stepping in to help can feel overwhelming. This guide walks you through how to talk about money, gather important documents, secure legal authority, and create a flexible support plan. Learn how to manage caregiving without compromising your own financial well-being.
Helping Employees Get the Most Out of Their Health Benefits
/in Blog, Group Benefits/by Horizon FinancialMany employees don’t take full advantage of their health benefits because they simply don’t understand them. Educating your team can boost engagement, improve wellness, and increase the return on your benefits investment. Learn how to communicate health benefits effectively and keep your workforce healthier and happier.