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The Lifetime Income Portfolio: A Sustainable Approach to Retirement Income
In the realm of retirement planning, ensuring a stable and sustainable income stream remains a paramount concern for individuals transitioning into or already enjoying their retirement years. Harmer Wealth Management, under the guidance of Chad Harmer, has crafted a...
Hold Steady: What Matters Right Now for Mortgages, Markets, and Ontario Real Estate
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...
Proactive Healthcare Planning for Canadian Families
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...
Why This Market May Be More of an Opportunity Than It Looks.
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...
2026 Market Update: My View on Investments, Mortgage Rates, Financial Planning and Real Estate
By Chad Harmer This 2026 market update is not just about stocks. It is about how market volatility, mortgage rates, financial planning decisions and real estate timing all land on the same household balance sheet. For families and business owners here in Ontario,...
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