Boudreau & Associates Private Wealth Management

A financial plan isn't just about retirement, investments, or numbers on a page.

At its core, it's about creating freedom.

Like time to spend with the people you love and be able enjoy the moments that matter most.

Because while planning for the future is important, so is making memories along the way.

And that's what it's all about.

The Disability Tax Credit (DTC) is one of the most underutilized tax credits available to Canadians.

For those who qualify, it can help reduce taxes and may provide access to additional programs and benefits.

The challenge? Many people don't realize they're eligible.

If you or a family member are living with a prolonged physical or mental impairment, it’s worth exploring further. Call our office to set up a meeting.

“If my spouse passes away, what happens to their CPP and Old Age Security?”

This is an important question.

And is one many people don't think to ask until they're faced with it. While there is a CPP survivor benefit, the amount you're eligible to receive depends on a number of factors, including both your spouse's CPP contributions and your own.

However, Old Age Security works differently.

OAS does not transfer to a surviving spouse, so those payments stop when the recipient passes away.

Understanding how these benefits fit into your overall financial plan can help you feel more prepared for whatever life brings. If you'd like to better understand how CPP, OAS, and other retirement benefits fit into your long-term plan, give me a call and let's start that conversation.

This is the part no one mentions.

You can be successful, driven, and still unsure what you should be doing with your money.

That’s not a knowledge problem. It’s a clarity problem.

And even a little planning today can make a big difference tomorrow.

Call our office to book a meeting and let's talk about what makes the most sense for you.

This is super common.

Your income grows, your lifestyle grows with it.

A bigger home. A new vehicle. Travel. More convenience.

And there's nothing wrong with enjoying what you've worked hard for.

The key is making sure your lifestyle grows alongside your financial plan, not ahead of it. And your long-term goals just need to be able to grow alongside it.

So, if it's been a while since you've reviewed your financial plan, it’s time to have a conversation.