by harmerwealth | Sep 2, 2026 | Retirement, Retirement Planning
If you live in Bowmanville, Courtice, Newcastle or Orono and retirement is somewhere between five and fifteen years away, this is the decade that matters most. Not because it is too late to fix things, but because it is the last stretch where the big levers — how much...
by harmerwealth | Aug 24, 2026 | Disability & Critical Illness Insurance, Estate Planning, Financial Planning, First-Time Home Buyer, Inheritance, Insurance, Investing, Investment Income, Mortgages, Retirement, Tax Planning
The right financial advisor for Durham Region and Northumberland County is a licensed, fee-transparent planner who lives and works where you do — not a call-centre voice three time zones away. When you’re comparing advisors in Port Hope, Oshawa, Bowmanville, or...
by harmerwealth | Aug 18, 2026 | Financial Planning, Retirement
How Much Monthly Income Can $500K–$1M Generate in Retirement in Ontario? A $1,000,000 portfolio invested in an income-focused portfolio with a 6% distribution yield can generate roughly $5,000 per month before tax. A $500,000 portfolio at the same yield produces about...
by harmerwealth | Aug 17, 2026 | Downsizing, Estate Sales & Seniors Transitions, Uncategorized
How to minimize capital gains tax, track your adjusted cost base, and pass the cottage on without passing on a tax problem For many families across Durham Region, the cottage is the most emotionally valuable asset they own — and, increasingly, one of the most...
by harmerwealth | Apr 29, 2026 | Uncategorized
Buying your first home can feel like a race between rising prices, mortgage rules, and the challenge of saving enough for a down payment. For some first-time home buyers, one strategy worth understanding is using an RRSP contribution, an RRSP loan, and the Home...
