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 | 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 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 | Mar 14, 2026 | Debt, Economy, Financial Planning, Interest Rates, Investing, Mortgages, Real Estate, Tax Planning
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,...
by harmerwealth | Nov 18, 2025 | Financial Planning, Inheritance, Mortgages, Retirement, Tax Planning
Why Canadians Are Looking at the Smith Manoeuvre Again Canadians are getting squeezed from all sides: higher living costs, stubborn inflation, heavy taxation, and a lot of uncertainty around pensions and government benefits. For many homeowners, most of their net...
