Santiago Garcia, Investment and Retirement Planner

Fear and greed often drive market fluctuations. Managing these emotions can lead to clearer decisions, helping investors maintain calm when others panic.
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The Way of the Market

The market flows like a river, chaotic yet consistent. Those who chase every ripple lose their balance, while those who align with the flow find peace within.

In the fast-paced investment world, it’s tempting to react impulsively. Seek equilibrium, observing the market’s overall direction rather than its minor shifts. Wealth often follows those who tune into the natural rhythms rather than attempting to master each change.

After reading Warren Buffett’s and other interpretations on The Tao Te Ching I have attempted to read the Tao myself and to incorporate these ancient principles into my Financial Planning Practice. This book is limited to my own interpretations therefore I invite you to find your own words in my reflections.

please find my publisher's page:

https://lnkd.in/eRVm3dmk

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The INVESTOR’S TAO TE CHING. A natural approach to investing. By Santiago Garcia. E book available at Amazon, iBookstore (Apple), Barnes & Noble, Kobo, Scribd, Libri, and Gardners.

After reading Warren Buffett’s and other interpretations on The Tao Te Ching I have attempted to read the Tao myself and to incorporate these ancient principles into my Financial Planning Practice. This book is limited to my own interpretations therefore I invite you to find your own words in my reflections.

please find my publisher's page:

https://lnkd.in/eRVm3dmk

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Many people believe that retirement is the time to start doing what they really like. However the reality is that many don’t have enough saved to retire comfortably and have to push those dreams to a later date. A recent study showed that 32% of Canadians between 45 to 64 don’t have anything saved for retirement and 53% don’t know if they have saved enough.How to save for retirement? send me a message, I can help you.

How much do you need to retire comfortably?Many people believe that retirement is the time to start doing what they really like. However the reality is that many don’t have enough saved to retire comfortably and have to push those dreams to a later date. A recent study showed that 32% of Canadians between 45 to 64 don’t have anything saved for retirement and 53% don’t know if they have saved enough.How to save for retirement? send me a message, I can help you.  #mississauga #gta #love #brampton #canadian #covid #hamilton #travel #oakvilleontario #montreal #alberta #quebec #ontariocanada #bhfyp #torontonightlife #torontoliving #cntower #torontolove #torontoinsta #yyz #downtowntoronto #edmonton #torontoo #canada #downtown #downtowntoronto #torontolife #instagood #ontario #gta

Retirement income can mean something different for everyone, but there are some set similarities for all Canadians: CPP and OAS. Your CPP and OAS amounts will vary depending on how long you lived in Canada, how much you earned and paid into CPP, child rearing years and much more. You can find out how much your CPP and OAS will be on your 'My Service Canada' website. Other retirement income sources could be, but not limited to:

Defined Benefit Pension
RRSP
TFSA
Non-registered Investments
Rental Property
Sale of business
business income

My focus when looking at a client's income in retirement is to look how each income stream will affect both your CPP and OAS drastically and in different ways. For instance if you pull a significant amount of your RRSP in any year this will drive up your taxable income and potentially claw back your OAS.

Make sure to speak to a Personal Financial Planner to best structure your retirement income. I can help you with this. I am able to provide you with expert Investment and Retirement advice from the comfort of your home or in my office in Oakville downtown. Whether you're looking to invest or retire in the next few years, I will guide you through every step of the way. Call or email me today, I look forward to working with you.
289 644 8425
[email protected]
book a meeting:

https://meetings.hubspot.com/santiagoinoakville1

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Is there inheritance tax in Canada?

We have all heard the Benjamin Franklin saying "In this world nothing can be said to be certain except death and taxes". It is true, and even more true when you add (death+taxes together).... even more taxes.... When you die there could be a large tax bill coming your way, but it is not an inheritance tax! (there is in the US though)

If you have a living spouse when you die, almost everything will be passed to your spouse free of tax (there can be few exception).
The CRA will tax you on your income in year of death, not assets. But remember that assets are sold in year of death and will increase your income. So the asset could create an income, in turn creating a tax.

Have you planned ahead? When considering tax on death, don't forget about probate fees - which is basically an additional tax on assets when you pass. Each province has different probate amounts.

There are easy ways to help reduce or eliminate the tax bill, but you need to plan ahead.

If you want to plan ahead I am able to provide you with expert Investment and Retirement advice from the comfort of your home or in my office in Oakville downtown. Whether you're looking to invest or retire in the next few years, I will guide you through every step of the way. Call or email me today, I look forward to working with you.

289 644 8425
[email protected]

book a meeting:
https://meetings.hubspot.com/santiagoinoakville1

Winter in Oakville downtown