April 10, 2025
A deep dive on staying invested
How this is unprecedented as a market event, and what the YTD returns (to April 4th) roughly look like and why staying invested matters. Watch Here
March 27, 2025
My opinion on why the "TFSA Top Up" won't be that effective but how I would use it anyways.
I'm don't comment on political platforms often. But let's break down why I think this TFSA top up isn't the "great" idea that Pierre Poilievre claims it is. I'll also talk about how I'd execute this/suggest strategies to my clients if it goes through. (I will also say - this is NOT an "anti-conservative" thing. I'm commenting purely on this given my experience in the industry). Read More
February 21, 2025
Ironwoood brings UFC Fighter to Pump up Brock Women’s volleyball Before playoffs!
As a proud sponsor of the Brock University Women’s Volleyball Team, we had the incredible opportunity to bring in a special guest to speak with the team ahead of their playoff run. Jasmine Jasudavicius, professional UFC fighter shared her journey—highlighting the power of discipline, overcoming fear, handling emotions under pressure, and embracing the privilege of competition.
Her message was simple yet profound: stress is a privilege, and learning to manage it is key to success. The resilience and determination of these athletes—whether in the octagon or on the court—are truly inspiring.
A huge thank you to friends of Ironwood for supporting initiatives like these. Wishing the team the best of luck in the playoffs!
February, 2024
What about the Tariffs?????
Our Associate Aravind Sithamparapillai spoke to the Globe and Mail in an exclusive interview for their Stress Test Podcast detailing Trump’s Tariffs, the impact on markets, and why staying invested may still prove a good decision.
january 2025
BEGINNING OF THE YEAR: KEY DATES TO KEEP IN MIND
As we get the year rolling people often ask, “What should I do to get my finances in order?”
It can be helpful to note some of the key planning items and dates for the year. We have included some of the main ones we will keep in mind as top priority due to deadlines or significant changes in the year.
Key Dates and Amounts for 2025:
RRSP - Maximum $32,490 (2026 - 33,810. Achieved with 2025 income of $187,834)
- RRSP Contribution Deadline - March 3, 2025
TFSA Room - $7,000 (2025) / Lifetime Limit - $102,000
FHSA Room - $8,000 (potential for carry-forward room)
RESP - Grant $500/child under 17 (potential for carry-forward room, Max grant $1000)
RDSP - Grant $3500 (will vary - check your letter from the government, Max grant $10,500)
Canada Child Benefit - $7,997/child under 6, $6,748/child 6 -17 (previously $7,787 & $6,570)
OAS Clawback - Starting @ $93,454, Full Clawback @ $151,668 (more if OAS delayed or over 75)
CPP Contribution - Employee $4430.10 (Self-Employed or Incorporated: $8860.20)
- Minimum salary for full CPP contribution credit: $81,200
Key Planning “Touchpoints” to expect in the coming months
- RRSP Contribution Calculation
- Grant and Registered Account Funding (RESP/TFSA/FHSA etc)
Personal Tax Filing Deadline:
- Employee Returns: April 30, 2025.
- Self-Employed: June 15, 2025
- Tax Owing Due: April 30 (interest will start accruing as of April 30, 2025)
As you plan for the year, please keep these key dates in mind. If you are unsure about your limits or whether you should take advantage of specific opportunities, we are here to help. Feel free to reach out, and we can assist you in determining the appropriate amounts and strategies.
October 3rd, 2023
Many financial advisers only work with wealthy clients.
So where are the masses going for help?
If you already have a million-dollar portfolio, you have access to a different world of financial advisers than the average household. Read more Globe and Mail Article
December 1st, 2022
Thoughts about Giving this Holiday Season! - Watch Here
December 1st, 2022
Recession-beating tips for the job market, housing, investing and cost of life - Listen Here or read the Globe and Mail Article