by harmerwealth | Nov 18, 2025 | Financial Planning, Inheritance, Mortgages, Retirement, Tax Planning
Why Canadians Are Looking at the Smith Manoeuvre Again Canadians are getting squeezed from all sides: higher living costs, stubborn inflation, heavy taxation, and a lot of uncertainty around pensions and government benefits. For many homeowners, most of their net...
by harmerwealth | Aug 26, 2025 | Financial, Financial Planning, Interest Rates, Mortgages, Retirement
If your mortgage‑renewal email made your coffee go cold—join the club. Canada’s renewal wave is here, and it’s reshaping household budgets, housing choices, and retirement timelines across Durham, Clarington, Northumberland, Kawarthas—and right here...
by harmerwealth | Jul 9, 2025 | Uncategorized
f you’re selling a family home in Clarington, Bowmanville, Newcastle, Orono, Courtice, Peterborough, or Port Hope, chances are you will unlock six‑ or seven‑figure equity. The big question is: how do you turn that lump sum into lifelong,...
by harmerwealth | Jun 9, 2025 | Uncategorized
Financial Advisor in Whitby, Oshawa, Bowmanville, Port Hope, and Cobourg – Professional couples, pre-retirees, and retirees in these communities often face complex financial questions. How can you balance current income needs with long-term retirement goals?...
by harmerwealth | May 9, 2025 | Uncategorized
Canada’s unemployment rate recently rose to 6.9%, a noticeable increase from the previous month. This change is mainly because of fewer jobs in manufacturing and trade, impacted significantly by ongoing trade issues with the U.S., particularly tariffs. But what does...
