Brant Financial Group of Assante Capital Management Ltd.

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Brant Financial Group of Assante Capital Management Ltd.

At Brant Financial Group, we strive to deliver long-term value to our clients.

As a team of dedicated professionals, we are passionate about improving the financial health of everyone we work with.

31/10/2025

🕒 Countdown to Retirement: What to Do 5, 10, and 15 Years Out

Retirement planning isn’t one-size-fits-all—but timing matters.
✅ 15 years out: Maximize contributions
✅ 10 years out: Reduce debt, review income sources
✅ 5 years out: Fine-tune your drawdown strategy

We can guide you through every step.

29/10/2025

💳 Building Credit as a Young Adult

Teaching your teen or young adult about credit?

Tip: A low-limit credit card paid off in full each month builds a strong credit history—without the risk of debt.

📈 Financial literacy starts early.

27/10/2025

🧠 What Is a LIRA?

Left a job with a pension? That money likely moved into a LIRA (Locked-In Retirement Account).

💼 Do you know your options for accessing it—and when? Let’s walk through your next steps.

24/10/2025

🛠️ Disability Insurance: Your Income’s Backup Plan

You insure your car, home, and phone… but what about your income?

If you couldn’t work for 6 months, how would you manage?

💼 Disability insurance helps protect your most valuable asset—your earning power.

21/10/2025

🪙 The Cost of Waiting to Invest

Waiting for the “right time” to invest often means missing out on compound growth.

💡 Investing early—even with a small amount—can have a bigger impact than waiting for the perfect moment. Start where you are.

17/10/2025

🔄 What Happens When Your Term Life Insurance Expires?

Term insurance is affordable—but what happens when the term ends?

Rates can jump, and conversion options may expire.

💡 Let’s talk about when to renew, convert, or switch strategies before it costs more than it should.

14/10/2025

🧾 How Tax-Efficient Is Your Retirement Income?

Did you know the order in which you draw from your TFSA, RRSP, and non-registered accounts can affect how much tax you pay?

📊 A little strategy can go a long way toward keeping more in your pocket.

09/10/2025

💰 What Is a Spousal RRSP?

A Spousal RRSP can help couples split retirement income and reduce overall tax in retirement.

👉 It’s especially useful if one spouse expects to earn more than the other in retirement.

Planning as a team? Let’s build a strategy together.

22/08/2025

🔄 Move Your Money Smarter: RRSP to FHSA Transfers

Did you know you can transfer funds from your RRSP to your FHSA—without paying tax—to help save for your first home?

Here’s how it works:
🏡 You can transfer up to $8,000 per year, up to a $40,000 lifetime FHSA limit
✅ The transfer doesn’t affect your RRSP contribution room
🚫 You won’t get a tax deduction for the transfer—but withdrawals from the FHSA (if used for a first home) are completely tax-free

💡 This strategy works best if:
• You already have savings in your RRSP
• You’re planning to buy your first home
• You want tax-free growth and tax-free withdrawal

📞 Not sure if it’s right for you? Let’s connect and make sure you’re maximizing every dollar toward your homeownership goals.

18/08/2025

📉 GIC Rates Are Dropping — Is It Time to Explore Other Options?

If you’ve been relying on GICs for guaranteed returns, you may have noticed rates starting to slip.
While GICs offer safety and predictability, lower interest rates can erode your purchasing power over time—especially when inflation is factored in.

💡 Now might be the right time to:
✅ Review your fixed-income strategy
✅ Explore options like bond funds, annuities, segregated funds, or structured notes
✅ Consider blending GICs with other investments to protect your principal and seek better growth

There’s no one-size-fits-all answer—but there are more flexible solutions that still align with your risk tolerance and goals.
📞 Want to make sure your money is still working hard for you? Let’s connect and explore your options.

15/08/2025

📉📈 Don’t Let Headlines Derail Your Long-Term Strategy

Geopolitical events can shake the markets—but history shows that markets are remarkably resilient.

📺 Whether it’s elections, international tensions, or global conflict, reacting emotionally and shifting your investments can often do more harm than good. Short-term volatility is normal, but long-term investors who stay the course are typically rewarded with recovery and growth.

Here’s what we know:
✅ Markets have rebounded from wars, recessions, and political upheaval
✅ Long-term strategies are built to weather uncertainty
✅ Selling during volatility often means locking in losses

🔍 Instead of reacting, revisit your goals. Are you investing for retirement in 10, 20, or 30 years? Then daily headlines shouldn’t dictate your strategy.
📞 Need a second opinion or a calming voice? Let’s talk through your plan and keep you focused on what you can control.

11/08/2025

🔁 Is It Time to Rebalance?

Your portfolio may need an adjustment as the markets shift. Rebalancing keeps your investments aligned with your risk tolerance and long-term objectives. Don’t set it and forget it—review it regularly.

Address

105 George St.

N3T 2Y5

Opening Hours

Monday	09:00 - 05:00
Tuesday	09:00 - 05:00
Wednesday	09:00 - 17:00
Thursday	09:00 - 17:00
Friday	09:00 - 16:00

Website

https://assantebrantford-bfg.com/

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