Four Oceans Financial Services Inc.

10/07/2025

To rent or to buy a home in Canada? If you’re a millennial living in this country, that may be the big question in your life right now. With the Bank of Canada recently cutting its key interest rate for the third time, and housing prices in some major cities forecasted to decrease sharply by the end of the year, you may be weighing your options. Despite the softening housing market, the cost-of-living crisis persists. So, is it really worth buying a home in Canada, or are there benefits to being a renter? Daily Hive spoke with Thuy Lam, a certified financial planner and money coach based in Toronto. She offers advice-only financial planning, which means that she can remain completely objective because she’s not selling any financial products.

To rent or to buy a home? If you're a millennial living in Canada, that may be the big question in your life right now.

10/07/2025

Overinvesting in oil and gas is not just a problem for the climate — it also poses serious risks to the Canadian economy.

09/17/2025

Improve your industry knowledge with valuable insights and strategies to help you navigate financial success.

The opinions expressed in this article are of the fund company that owns this content and do not constitute professional advice or recommendation, nor do they reflect the official position of Sun Life. Please seek advice from a qualified professional, including a thorough examination of your specific legal, accounting and tax situation.

09/17/2025

Need content to better understand the financial landscape? I have valuable resources for you.

The opinions expressed in this article are of the fund company that owns this content and do not constitute professional advice or recommendation. Please seek advice from a qualified professional, including a thorough examination of your specific legal, accounting and tax situation.

July 02, 2025 How important is timing entry into the market when investing your money? Cet article se penche sur trois approches pour planifier quand investir.

09/16/2025

In my last column I talked about the need to provide more flexibility for seniors by updating Canada’s registered retirement income fund (RRIF) policies. I’m pleased to say that our organization, the Securities and Investment Management Association (SIMA), has taken a big step forward with this initiative by launching a comprehensive retirement-savings action plan.

SIMA’s three-step plan tackles RRIF rules, investment management fee taxation and more

08/26/2025

Wondering if you’re on track with your savings? Find out how your balance compares to others your age, and what could help you

Wondering if you’re on track with your savings? Find out how your balance compares to others your age—and what could help you build it faster.

08/04/2025

Are you feeling squeezed between caring for your aging parents and supporting your own children? You're not alone.

Balancing multiple financial responsibilities can be overwhelming, but there are strategies to help.

Reach out and we can address your family's needs while helping to safeguard your own financial future.

Script: Don't let the pressure of being "sandwiched" compromise your financial well-being.

08/03/2025

An anti-inflammatory breakfast can include smoothies, overnight oats, and chia seed pudding. You can also enjoy savory options, such as veggie-rich egg dishes.

08/02/2025

Starting over in a new country means relearning the basics, including personal finance. Vickram Agarwal shares his hard-won experiences.

07/27/2025

Talking about finances can be a highly personal and sensitive topic area. Whether it’s about people’s individual financial situations, inheritance planning

07/26/2025

The fiscal stimulus required to support Canadians during the pandemic was always going to be inflationary, no matter what the Bank of Canada did

07/25/2025

Turning 71 soon? It's time to talk about your RRSP. Did you know that by December 31st of the year you turn 71, you must convert your RRSP to a RRIF or annuity? This marks an important shift from saving to spending in retirement.

Key things to consider:

- Minimum annual withdrawals
- Tax implications
- Investment strategy adjustments

Let's chat about these upcoming changes and how we can navigate them together.