Menard Financial Services Ltd

“My only goal today is to be better than I was yesterday.”- Unknown

Are you confused about the best savings option for your needs? You’re not alone. Both an RRSP and a TFSA provide advantages. And we all have a different story about how we want to save – and spend our money. If you’re unsure about which account to invest in, I’m here to help. Just know that you won’t be making a bad decision. It’s better to contribute to either one rather than do nothing at all.

FP Answers: Should I invest in a TFSA or RRSP? And when does it make sense to do both? Whether you make less than $45,000 annually, or more than $220,000, there are some key points to keep in mind when deciding where to put your money

According to this article many seniors worry about how they’re gong to make ends meet in retirement. This is most certainly a scary thought.

Planning ahead is one of the most important things you can do when it comes to your retirement. Most of the causes of concern centre around financial decisions made years earlier leading up to retirement. They are:

👉 supporting adult children,
👉 unexpected illness or unemployment,
👉 divorce and
👉 death of a spouse who manages the finances.

Let’s work together to ensure these potential financial decisions don’t impact your peace of mind in retirement.

Number of seniors seeking help with debt is rising dramatically — here are some common causes Instead of enjoying their retirement, many people are worried about how they are going to make ends meet

If you’re dealing with a mental health issue, one of the best things you can do is tell someone. It may be scary but talking about your issues can help and it can help others as well. Let’s stop the stigma and talk a little more about our own mental health.

How to talk about mental health You’ll hear lots of prompts to ‘Talk’ about mental health today. Not sure how to get started? Here are some resources to help start the conversation - whether you’re seeking help for yourself or others. 

Lots of changes coming this year, from minimum wage increases, end to fossil fuel financing and soft drink taxes. Check out some of the new rules and regulations coming to your province.

Here are some of the new laws coming in 2022 With 2021 behind us, a number of new rules and regulations are set to take effect this year. Some of the changes include minimum wage hikes, plastic bag bans and soft drink taxes.

Home prices are at an all-time high. Tackling a home reno rather than venturing into the housing market seems like a better choice, if you’re careful. Without properly planning your finances, the reno route can deplete your savings quickly. Make sure you talk with your trusted advisor to determine a budget, along with a savings strategy if needed.

Renovating will probably cost you less than buying a new house, but expenses can quickly get out of hand Without proper financial planning, those who go the reno route can find their finances depleted

It’s never too early to start preparing for tax season. Here are Canada’s federal and provincial/territorial tax brackets and rates based on your annual income.

We break down the tax brackets in Canada for 2021 (and provinces, too) based on annual income - MoneySense To help you prepare for tax season, our charts break down the different tax brackets in Canada based on your annual income.

Sun Life has been named one of Reader’s Digest Most Trusted Brands in 2022.

This survey looks at 35 product and service categories to unearth which brands you trust most. Thank you for putting trust in Sun Life and me as your advisor.

Celebrating Reader’s Digest Trusted Brand™ 2022 Winners as Voted by Canadians This year, more than 4,000 votes were tallied to reveal the winning brands for 2022!

We’re now going through a fourth wave of the pandemic. Many parts of Canada are experiencing restrictions that make it feel like we’ve gone back in time to 2020. If you’re feeling discouraged or just plain ‘COVID-exhausted’ know that it’s completely normal. We’re all tired and better days are surely ahead.

6 tips for coping with pandemic fatigue Are you worried about rising COVID cases due to the Omicron variant? Here are some tips to help you cope.

What are your financial resolutions this year? A recent survey found three in ten Canadians intended to make New Year’s resolutions. The most popular answer being to ‘exercise more’ (51%). Next was ‘saving money (49%). Is being better with money a priority for you this year? Here is a list of some easy money moves to help set yourself up for a brighter financial future.

20 smart money moves to make in the New Year Is ‘being better with money’ one of your New Year’s resolutions? Here are 20 quick and easy actions you can take to get a handle on your finances in 2022.

As we enter another pandemic year it’s going to continue to strain our mental health. From stress, anxiety and fear of the unknown, it’s important to keep our mental health in tip top shape. Make 2022 the year of mental health. Here are five great to boost your mental wellness for a happier New Year.

5 New Year's resolutions to improve your mental health Looking to protect your mental health after an unprecedented year? Try these tips for a happier 2021.