Ross Taylor Financial Corporation

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Ross Taylor Financial Corporation Trusted advice for savings, investments, insurance & retirement. Proudly Canadian for 20+ years.

At Ross Taylor Financial Corporation, we understand that life’s financial journey is unique to you. Whether you’re saving for the future, planning for retirement, navigating retirement, or preparing your legacy, we provide expert guidance tailored to your goals. With over two decades of experience, our trusted advisors are committed to helping you make informed, confident decisions every step of the way.

📁 Could someone find what they need if you couldn't tell them where to look? You insure your home. You save for retireme...
10/21/2026

📁 Could someone find what they need if you couldn't tell them where to look?

You insure your home. You save for retirement. You make a will and name beneficiaries.

But there's another simple piece of financial organization that's easy to overlook: making sure the right person knows where to find important information if you're ever unable to provide it yourself.

Consider creating a secure “in case of emergency” financial file that identifies where to find things such as:

📌 Your will and powers of attorney.
📌 Insurance policy information.
📌 A list of the financial institutions you deal with.
📌 Pension and workplace benefit information.
📌 Contact details for your financial advisor, accountant and lawyer.
📌 Information about important bills and financial obligations.

This doesn't mean you should leave passwords or sensitive information somewhere easily accessible. It's more about creating a roadmap so the person you've trusted to help isn't starting from scratch.

And once you've created it? Tell the appropriate person where it is, and revisit it periodically as your financial life changes.

A little organization today can give your family much more clarity and control when they need it most.

Many successful families are experiencing something that was rare just a generation ago: 👉 Four generations alive at the...
10/14/2026

Many successful families are experiencing something that was rare just a generation ago:

👉 Four generations alive at the same time.

It’s a wonderful thing. But it also changes how financial planning works.

Today, it’s common for someone in their 60s to still have parents in their late 80s or 90s, while their own children are building careers, buying homes, and starting families.

That means one generation may find itself in the middle of several important responsibilities at once:

✅ Supporting aging parents.
✅ Helping adult children get established.
✅ Planning for a retirement that may last 30 years or more.

Individually, none of these priorities are unusual. But when they happen at the same time, the financial decisions start to connect.

➡️ Helping a child with a home purchase may influence retirement timelines.
➡️ Planning for long-term care can affect estate structures.
➡️ And conversations about legacy often begin much earlier than families expect.

This is one of the biggest shifts we’re seeing with successful families today: wealth planning is becoming far more multi-generational than it used to be.

In our latest article, we explore how longer life expectancies are reshaping family financial planning, and why this moment can create not just complexity, but meaningful opportunities for families to think differently about legacy.

Read it now! https://bit.ly/4k0MED8

This Thanksgiving, we’re especially grateful for our clients and partners who place their trust in our team. It’s a pri...
10/09/2026

This Thanksgiving, we’re especially grateful for our clients and partners who place their trust in our team.

It’s a privilege to be part of your journey, through life’s milestones, changing priorities, and plans for the future. We’re thankful for the relationships we’ve built over the years and for the opportunity to continue growing alongside our community.

From all of us at Ross Taylor Financial, we wish you and your loved ones a warm, joyful, and Happy Thanksgiving! 🍁

What should you be focusing on financially at 25, 35, 45 or 55? There’s no universal answer, but the questions worth ask...
10/07/2026

What should you be focusing on financially at 25, 35, 45 or 55?

There’s no universal answer, but the questions worth asking tend to change as you move through life.

➡️ In your 20s, it may be about building a strong foundation.
How do I balance paying down debt with saving? Should I contribute to an RRSP or TFSA? Do I have enough set aside for the unexpected? What happens financially if an illness or injury prevents me from working?

➡️ In your 30s and 40s, there may be more competing priorities.
How much should go toward the mortgage versus investments? Are we saving enough for our children’s education? Does our insurance still reflect what our family depends on us for? Are we making the most of our income today while still preparing for the future?

➡️ In your 50s, retirement can start to feel much more real.
When could I realistically retire? What will my retirement income look like? How can I manage taxes as I transition from saving to eventually drawing income? Are my estate plans and beneficiary designations up to date?

The goal isn’t to have every financial box checked by a certain age. It’s to know which decisions deserve your attention now, and how they fit into the bigger picture.

At Ross Taylor Financial, we help you sort through those priorities and understand how your savings, investments, insurance, debt, taxes, retirement and estate considerations work together.

Not sure which financial questions you should be asking at this stage of life? That’s a great place to start. Give us a call and let's talk through it together.

📞 905-374-9550

📣 An update for Ross Taylor Financial clients. As of October 1, 2026, the mutual fund dealer we work with, Quadrus Inves...
10/01/2026

📣 An update for Ross Taylor Financial clients.

As of October 1, 2026, the mutual fund dealer we work with, Quadrus Investment Services Ltd., has joined together with Investment Planning Counsel and is now operating as IPC Wealth Inc.

What does this mean for you?

While the name behind the scenes has changed, the relationship you have with us has not.
We remain your primary point of contact, and the advice, planning and personalized support you receive from us will continue as usual. Your current investments have not changed as a result of this transition.

IPC Wealth gives us access to a broader range of investment solutions and resources to support your financial plan as your needs and goals evolve.

You’ll begin to see the IPC Wealth name and branding on investment-related materials, as well as our signage, letterhead, business cards, our website and other materials that previously featured Quadrus.

New dealer name. Same Ross Taylor Financial Corporation team. Same focus on helping you make informed financial decisions with clarity and confidence.

If you have questions about the change or what it means for your accounts, please reach out. We’re always happy to explain the details.

For more information about our relationship with IPC Wealth Inc., please see the disclosure below:

Insurance products, including segregated fund policies, are offered through Ross Taylor Financial Corporation. Financial Advisors Jonathan Taylor and Fraz Mirza offer mutual funds through IPC Wealth Inc. IPC Wealth and design are trademarks of Investment Planning Counsel Inc. and used under license to IPC Wealth Inc.

For the IPC Wealth privacy policy, visit: https://bit.ly/3VnBcrd

Make your investment decisions wisely. Important information about mutual funds is found in the Fund Facts document. Please read this carefully before investing. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Unit values and investment returns will fluctuate.

Today, we honour the children who never came home, the Survivors of residential schools, and the families and communitie...
09/30/2026

Today, we honour the children who never came home, the Survivors of residential schools, and the families and communities who carry this history.

It’s a day to listen, learn, and reflect - and a reminder that reconciliation is ongoing work.

🧡 Every child matters.

Retirement planning isn’t a one-time decision. It’s a series of trade-offs. It’s easy to think of retirement as a single...
09/23/2026

Retirement planning isn’t a one-time decision. It’s a series of trade-offs.

It’s easy to think of retirement as a single choice: pick a date, step away, and move into the next chapter. But in our experience, it doesn’t work that way. Retirement is shaped by a series of ongoing decisions:

➡️ Do you retire earlier, or work a few more years for added flexibility?
➡️ Do you spend more now, or preserve more for later?
➡️ Do you prioritize travel, family support, or long-term legacy?

Each choice has an impact. And often, gaining something in one area means giving something up in another.

That’s not a flaw in the process; it’s the reality of it. The goal isn’t to eliminate trade-offs. It’s to understand them.

When you can see how each decision affects your overall plan, you’re in a much stronger position to move forward with confidence. Because a thoughtful retirement plan isn’t built on one decision. It’s built on a series of well-understood ones.

If you’re starting to think about these decisions, or want to better understand your options, we’re here to help guide the conversation.

💬 Your parents are getting older. Do you know enough about their finances to help? You probably don’t need to know how m...
09/16/2026

💬 Your parents are getting older. Do you know enough about their finances to help?

You probably don’t need to know how much is in your parents’ bank account. But if something unexpected happened, would you know who to call? Where their important documents are? Or what kind of help they’d want from you?

These aren’t always easy conversations to start, especially in families where money has traditionally been private. But talking now can make it much easier to respect your parents’ wishes and provide support if it’s ever needed.

In our latest article, we share 5 important conversations to have with aging parents before there’s a crisis.

🔗 Check it out now! https://bit.ly/4Alux0I

🏠 Moving in together? Don't forget to talk about finances – not just the furniture. Combining households is an exciting ...
09/09/2026

🏠 Moving in together? Don't forget to talk about finances – not just the furniture.

Combining households is an exciting milestone. But along with deciding whose couch stays and how to split the closet, there are some bigger financial questions worth discussing.

Before you share an address, talk about:

💰 How you'll manage everyday expenses.
Will you split everything equally, contribute based on income or use a joint account for shared costs?

💳 What each of you is bringing with you.
That includes savings and investments, but also debt and other financial commitments.

📋 Your financial priorities.
One person may be focused on paying down debt while the other wants to invest more or save for a home. Knowing that now can help you build goals together.

🛡️ Your insurance and beneficiaries.
A major relationship change is a good reason to review existing coverage and beneficiary designations.

🗓️ Where you're headed next.
Marriage? A home? Children? Travel? Your shared plans can influence the financial decisions you're making today.

You don't have to manage money exactly the same way to build a strong financial life together. The important part is understanding where you each stand, deciding what you're working toward and creating a plan that makes room for both.

09/04/2026

As we head into the last long weekend of the summer (and the final pause before school routines begin) we hope you get a chance to relax, spend quality time with family, and make the most of these early September days.

Our office will be closed on Monday, September 7 for Labour Day. We’ll be back to regular hours on Tuesday.

Wishing you a wonderful long weekend. ☀️

Address

4725 Dorchester Road Unit B3
Niagara Falls, ON
L2E0A8

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm

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