I love small businesses. Every owner has a story to tell of dreams, struggles, growing pains and successes. I can relate because I too am a small business owner. Small businesses (less than 500 employees) comprise over 98% of ALL businesses in Canada, employing over 10 million people. Amazingly, 73.9% of these have less than [...]

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It’s one of the most common questions we hear as financial advisors: I only have a limited amount of money left after paying my monthly bills. Should I pay down my debt first or save for the future? First things first. We can avoid this decision altogether by being smart about taking on debt. Many […]

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