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...
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...
