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...
by harmerwealth | Apr 28, 2026 | Economy, Financial Planning, Investing
Spent the day in Ottawa at Canada Life’s Advisor Roadshow with a great group of investment leaders, portfolio managers, and minds in our industry. As expected, the major conversations were around AI, gold, Iran, inflation, and interest rates. Fair enough. Those are...
by harmerwealth | Apr 8, 2026 | Uncategorized
Don’t let one bad hour make a long-term decision for you. A lot can change in one day. Sometimes in one hour. That is exactly why now is not the time for emotional decisions. You may hear from us a little more than usual right now, and that is intentional. When things...
by harmerwealth | Apr 5, 2026 | Financial Planning, Insurance, Life Insurance
Healthcare planning has changed. For many Canadians, the conversation is no longer only about what happens after a diagnosis. It is also about how to access answers sooner, how to connect with leading specialists faster, and how to make more informed healthcare...
by harmerwealth | Apr 5, 2026 | First-Time Home Buyer, Real Estate
Over the past few weeks, the real estate conversation has been driven by uncertainty. Overseas conflict, rising oil prices, inflation concerns, and renewed discussion around interest rates have pushed many Canadians into wait-and-see mode. That hesitation is...
