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ANR Chartered Professional Accountants

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ANR Chartered Professional Accountants

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ANR Chartered Professional Accountants
Business and Tax Advisors

Is Your Profit Working for You?

Archambault, Neathway and Rideout is a full service professional accounting practice which provides accounting, tax, business consulting, tax and estate planning services to individuals and business owners.

10/25/2026

You played it safe. Put your savings in GICs. No fees, no risk.

Then tax time came, and you owed money.

GIC interest is taxed just like your paycheque. Every dollar. And since nothing comes off along the way, the bill lands all at once.

Other investment income is taxed less. Only half of a capital gain is taxed. Canadian dividends come with a built-in tax break.

Say you earn $4,000 and you're in a 30% bracket.

GIC interest: you keep about $2,800.

Capital gains: you keep about $3,400.

Same earnings. Different take-home.

GICs still have their place. But where you hold them matters. Inside a TFSA, that interest isn't taxed at all.

At ANR Wealth, we don't start with products. We start by listening. What you want your money to do, when you'll need it, and how much risk you're comfortable with. Then we build around that, with an eye on what you'll actually keep.

It's not just what you earn. It's what you keep.

10/21/2026

Plan Ahead, Not After

Say you have two kids. Your will splits everything 50/50.

Fair and simple.

But years ago, at the bank, you named just one of them on your retirement savings. Your RRSP or RRIF.

Maybe they lived closer. Maybe it just seemed easier.

When you pass away, the bank pays them all of it. Let's say $400,000.

Here's the catch.

The government still wants tax on that money. On $400,000, that can be over $200,000.

And the bank doesn't take it off. That bill gets paid out of everything else you left behind. The part that was supposed to be split evenly.

So one child ends up with about $500,000.

The other gets less than $100,000.

That's not what you wanted. But that's what happens.

The fix is easy while you're still here. Check who you named on your RRSP or RRIF, and make sure it matches your will.

One hour now makes sure your kids get what you actually meant to leave them.

10/18/2026

🌱 Building Your Future Starts Today! 💰

Starting your career, moving into your first home, getting married, or growing your family? These are exciting milestones and they’re also the perfect time to start thinking about your financial future!

You don’t need to have it all figured out to get started. Small steps today can make a big difference tomorrow. 🙌

Here are a few things worth thinking about as you build your future:

💵 Start Saving Early – Even small, regular contributions can add up over time.

🏡 Plan for Big Goals – Whether it’s buying your first home, starting a family, or planning a vacation, having a plan can help make those goals feel more achievable.

🛡️ Protect What Matters – As your responsibilities grow, it’s important to consider how you would protect yourself and your loved ones financially.

📈 Invest in Your Future – The right financial strategy can help you work toward your long-term goals.

👨‍👩‍👧 Build Good Financial Habits – Creating a budget, managing debt, and planning ahead can help set you and your family up for success.

✨ You don’t have to be wealthy to start planning for wealth. You just have to start.
No matter where you are in life, having a financial plan can help you feel more confident about the road ahead.

Have questions about getting started? Reach out to Chris. He’d be happy to help you take the next step!

10/14/2026

When someone passes away, there's money from CPP that can help with funeral costs.

But nobody sends it to you. You have to ask for it.

Most families can get $2,500.

Some can get up to $5,000. That's usually when the person worked for years, paid into CPP, but died before they ever started collecting it, and didn't leave behind a spouse.

There's a time limit that matters.

The person handling the will has 60 days to apply first. After that, other family members or whoever paid for the funeral can apply and get paid instead.

A couple of things people often don't know:

The funeral home letting the government know about the death is not the same as applying for this money. It's a separate form.

This money is taxable, so the full amount won't all end up in your pocket.

If you're the one looking after a loved one's affairs, make this one of the first calls you make, not one of the last.

At ANR, Ashley helps executors with exactly this. If you've been named executor and aren't sure where to start, she's a good first call.

10/11/2026

New job. First home. Wedding. Baby on the way.

Every one of those changes who's counting on you. Most people don't adjust anything until something goes wrong.

You don't have to be wealthy to start planning. You just have to start.

💵 Save early, even in small amounts
🛡️ Protect the people who rely on your income
📈 Invest for the long term
🏡 Plan for your next big goal

Meet Chris Gregory, Associate Advisor at ANR Wealth. Chris helps individuals and families here in Charlotte County build, protect, and grow what they're working toward, wherever they're starting from.

📩 Contact Chris at [email protected] or at (506)-754-2934, he would love to have a discussion about your goals and help to build a strategy to achieve them.

10/05/2026

This past weekend the County Moose netted 9 goals at the two home games!

With 3 games this week, the Goals for the Food Bank will keep on moving!

10/04/2026

Over the last couple of weeks we’ve talked about insurance that changes with your life, and insurance that quietly belongs to your job or your bank instead of you.

Here's where that leaves you.

Most people have some coverage. Very few people have actually sat down and asked what it's all adding up to.

A policy from your 30s. Whatever's left of the group plan at work. The mortgage insurance that shrinks every year but costs the same.

On their own, each one made sense at the time. Put together, nobody's checked whether they still add up to what your family would actually need.

That's the real question behind all of this. Not "do I have insurance," but "if something happened to me tomorrow, does what I have actually cover what my family would be left dealing with."

If you've been reading along the last few weeks and you're not sure what your answer is, that's exactly the conversation worth having. Reach out and we'll walk through what you've got.

10/02/2026

Two more Moose home games this weekend, two more ANR Community Heroes!

Congratulations Laura and Steve!

Address

123 Milltown Boulevard, Suite 201
Saint Stephen, NB
E3L1G5

Opening Hours

Monday	9am - 4:30pm
Tuesday	9am - 4:30pm
Wednesday	9am - 4:30pm
Thursday	9am - 4:30pm
Friday	9am - 4:30pm

Telephone

5064664040

Website

http://www.anraccountants.com/, http://anr-wealth.com/

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