Shawna McCrea - Balance Financial

01/27/2026

💰 Wealth Wednesday: RRSP Deadline Reminder 🇨🇦
The RRSP contribution deadline is coming up fast! Making a contribution before the deadline could help reduce your taxes and boost your retirement savings.
Don’t leave money on the table — now’s the time to review your options.

01/14/2026

It’s Wealth Wednesday 💰
Let’s talk OAS! Whether retirement is around the corner or still a ways off, understanding how Old Age Security works is an important part of planning ahead.

12/22/2025

"Canada found itself navigating a markedly different path than anticipated at the start of 2025."

It was a tumultuous year for the Canadian economy—marked by trade volatility, policy pivots, and a fundamental shift in the economic landscape.

12/20/2025

There’s a good reason why 76% of Canadians say identity theft is their main concern when it comes to cybersecurity

Fraudsters often try to catch victims by contacting them directly.

12/12/2025

"We still don’t see the Bank of Canada cutting the overnight rate further. The next move is more likely to be a hike although we don’t expect that until 2027."

Canada’s gross domestic product growth for 2025 is tracking above prior expectations, and the unemployment rate below. Our cautiously optimistic outlook for Canada’s economy remains intact.

11/28/2025

Don't miss out on the benefits you may be entitled to.
An RDSP can be a life-changing tool for creating long-term financial security for Canadians with disabilities.
https://blog.empirelife.ca/blog/secure-your-financial-future-with-a-registered-disability-savings-plan?

Secure your financial future with a Registered Disability Savings Plan

11/19/2025

Planning for the future isn’t just about the lifestyle you want decades from now. It influences:

Your stress levels today

Your ability to handle unexpected events

The opportunities you create for your family

The legacy you leave for the next generation

When your financial life is thoughtfully structured and balanced, you give yourself, and the people you care about, the gift of stability.

When most people think about financial planning, they picture investment returns, retirement accounts, or savings goals. But at its core, true financial well-being is about balance, balancing your life today with the life you want in the future. When these elements work together, your plan becomes c...

11/12/2025

When making the decision:
1 Do your homework
2 Work with your financial professional to look at your options
3 You can’t usually reverse the decision so it’s worth your time

We don’t face this decision very often. This will occur when: 1 You leave a company that has a pension plan 2 You retire from a company that has a pension plan Types of Pensions 1 DEFINED BENEFIT KEY TAKEAWAYS • A defined-benefit plan is an employer-based program that pays benefits based on fact...

11/06/2025

Great 2025 Federal Budget Overview INFOGRAPHIC from Empire

11/05/2025

No changes to tax rates but diverse measures like updated rules for registered accounts investing in small businesses and the removal of the Underused Housing Tax (UHT).

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