D.R Johnson Financial Ltd.

07/16/2026

How many retirees are aware of this income tax benefit?

07/16/2026

Something for financially responsible people with dependents who don't currently have life insurance to think about.

As you can see, there are many reasons to consider life insurance. The good news is that getting life insurance is simpler and more affordable than most people think.

07/08/2026

GOOD ADVISE FROM "THE WEALTHY BARBER"

READ YOUR EMPLOYER SPONSORED BENEFITS BOOKLET & KNOW WHAT YOU ARE ELIGIBLE FOR THRU THE PLAN. Many people don't do this and as a result are not taking advantage of benefits and services they are paying for thru payroll deductions.

07/08/2026

Difference Between DOVISH & HAWKISH Banking Policy.

We see and hear the terms DOVISH & HAWKISH all the time on television programs related to finance/investments and banking and in the news ... BUT .... most people don't understand what the terms mean, so below is an explanation.

The terms "DOVISH" and "HAWKISH" have their origins in the world of diplomacy and military strategy but have been adopted into economic discourse over time. DOVISH policies emphasize fostering economic growth and reducing unemployment, often through lower interest rates and more accommodating monetary measures. HAWKISH policies, on the other hand, prioritize controlling inflation and maintaining financial stability, typically through higher interest rates and tighter monetary measures.

06/29/2026

Many of my clients & friends are in their 60s, 70, and even early 80s. Although financial & estate planning is my profession, healthy living & wellness, particularly for those of us who value longevity is of ultra importance. I encourage like minded people to watch the attached video in its entirety (it is a bit long), however it is very powerful and serves as an excellent guide to getting us and keeping us on "THE RIGHT TRACK". If you find it beneficial please feel free to share it with others.😀

05/14/2026

Looking for a good long term tax sheltered investment plus a cost effective life long life insurance policy, then consider a Canada Life Traditional Whole Life Policy - it combines both, and the annual Dividend Rate on Cash values is increasing to 6.0% effective July 01, 2026, up from 5.75% in 2025. For more information contact my office by phone (204) 946-0211, email: [email protected], or using FB Messenger:

05/01/2026

When to start taking CPP and OAS is a question I get asked in my practice quite regularly. In addition to the options talked about in the attached video, I often recommend taking CPP BEFORE age 65, and I rarely, but sometimes recommend delaying the start of taking OAS until after age 65. EVERY client situation is different - life expectancy varies, accumulated RRSP amounts vary, employer sponsored pension plan benefits may or may not be available, there may or may not be a spouse, and if there is does the spouse have RRSPS and/or an employer sponsored pension plan, does the individual and/or the spouse have an existing TFSA - if yes, is it maxed out, does the individual have any debt they are paying non tax deductible interest on (house mortgage, car loan, credit card etc), and lastly what are the retirement goals & objectives.
These are all things I ask about and take into consideration with my clients before making any CPP and OAS recommendations.

04/30/2026

Are you a business owner contemplating or in need of Critical Illness insurance coverage?
If YES, it may be advantageous to apply and pay for the coverage thru your business as opposed you as an individual. CLICK ON THE LINK for more information, then call me if you have any questions: 204-946-0211

Choosing the right type of critical illness insurance can make a big difference, especially if you’re a business owner. A critical illness policy provides a tax-free lump-sum payment if you’re diagnosed with one of several insured conditions. It can help you focus on recovery while managing financial commitments.

Deciding between personal and business-owned coverage comes down to your goals — from retirement and estate planning to business growth and supporting your loved ones after you’re gone.

Talk to your advisor to determine which option fits your needs. Learn more: https://ow.ly/hr5A50YCtIE

04/30/2026

I could not have said this better than Dave, "The Wealthy Barber" does in the attached video. In the video Dave addresses several important issues:
1. Investing larger sums of money.
2. Market Volatility.
3.Time in the market vs market timing.
3.Dollar Cost Averaging.
4. Sleeping at night with no worries.

In today's tops turvy world these things are all correlated for many investors. I encourage everyone, even seasoned investors, to watch and listen to the video, then contact me if you have any questions .. WE CAN HELP: 204-946-0211

04/28/2026

CAPEX - DEFINITION & MEANING

Clients who watch the business and stock market news channels on TV often hear the word CAPEX in reference to major companies such as Microsoft, Google, Meta, Amazon etc. Some have asked me what CAPEX means, so BELOW I have posted its definition and meaning purely for educational purposes. CAPEX is short for CAPITAL EXPENDITURE.

CAPITAL EXPENDITURE (CAPEX) is money a business spends to acquire or upgrade assets it owns such as land, equipment, or a building. The current ARTIFICIAL INTELLIGENCE (AI) boom has many major companies - leaders in their fields, such as the before mentioned ones, allocating more money to CAPEX than they ever have in the past in order to continue being leaders in their field of business in the future, hence they have a ..... HIGH CAPEX.

CAPITAL EXPENDITURES (CAPEX) are made on assets that you expect to be of long term benefit to your business. A computer is a great example, if you plan to use it in your business and not sell it within a year.

You record Capital Expenditures on your balance sheet under assets rather than your income statement. It’s often recorded as property, plant and equipment (PP&E). As Capital Expenditures are used, they are depreciated on the books for tax purposes. CAPITAL EXPENDITURE is the opposite of OPERATING EXPENDITURE (OPEX).

CAPEX VS. OPEX - what's the difference?

The primary difference between CAPEX and OPEX is how and how long you'll use the asset your business purchased. CAPEX items are assets you'll use to make money over a long period of time. OPEX are what you spend day-to-day to run your business. Operating expenditures include payroll, utilities, insurance, marketing, advertising, and materials and supplies you use up in your production or operating process.

Examples of CAPEX are:
Property, including your land and buildings
Fit-outs of buildings, such as furniture and infrastructure
Equipment, vehicles, and work tools, like computers
Research and development (R&D) expenses
Intellectual property, such as patents and copyrights
Buying an existing business new to you.

Maintenance CAPEX VS growth CAPEX

CAPEX is made up of two types:
1. Maintenance CAPEX
2. Growth CAPEX

MAINTENANCE CAPEX is what you spend to replace EXISTING assets in order to keep operating and maintaining your current level of revenue and profitability. Replacing an old warehouse forklift is an example. Maintenance CAPEX is a NECESSARY expense if you want to continue to maintain profitability in your business.

GROWTH CAPEX is money you spend to grow your business, revenue and profitability. For example, GROWTH CAPEX adds assets that increase productivity, capacity, or expand your business into new markets. Buying three new forklifts for your new larger warehouse is an example. GROWTH CAPEX is a DISCRETIONARY expense for expansion of your business.