by harmerwealth | Dec 3, 2024 | Investing
As we approach 2025, the investment landscape presents unique opportunities for growth-driven investors. With rapid changes in demographics, technological advancements, and shifting economic policies, it is crucial to position portfolios to capitalize on these...
by harmerwealth | Dec 3, 2024 | Estate Planning, Inheritance, Tax Planning
Plan Today for a Tax-Efficient TomorrowEstate planning is a crucial step in ensuring your wealth is transferred to your heirs in the most efficient way possible, particularly in Canada, where taxes on inherited assets can erode the value of your estate. With careful...
by harmerwealth | Dec 3, 2024 | Disability & Critical Illness Insurance, Insurance, Retirement, Uncategorized
Planning for healthcare and long-term care is essential for both you and your parents to ensure financial stability and access to necessary services as you age. With the rising costs of healthcare, proactive measures can significantly alleviate future burdens....
by harmerwealth | Oct 23, 2024 | Debt, Economy, Interest Rates, Mortgages, Real Estate
Boost in Mortgage Affordability: Lower interest rates reduce mortgage costs, potentially increasing what you can afford. While this opens the door to homeownership for many, it may also drive up real estate prices as demand rises. Now could be the time to assess your...
by harmerwealth | Oct 23, 2024 | Uncategorized
Recently, I had a conversation with clients who were preparing for retirement. We talked about their future plans and explored different strategies for using their real estate to create financial freedom. One of the main topics was whether they should sell their home...
