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...
by harmerwealth | Apr 22, 2025 | Financial Planning, First-Time Home Buyer, Investing, Investment Income, Life Insurance, Mortgages, Pensions, Retirement, Tax Planning
At Harmer Wealth Management and The Harmer Group, we offer a full-service financial planning experience that guides you seamlessly through every life milestone. Serving Oshawa, Whitby, Bowmanville, Clarington, Scugog, Port Hope, Cobourg, Peterborough, Cavan, Prince...
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 | Jan 30, 2024 | Investment Income, Pensions, Retirement, Tax Planning
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...
by harmerwealth | Jan 11, 2024 | Interest Rates, Retirement, Tax Planning
In recent years, global financial markets have experienced significant turbulence, primarily attributed to a dramatic increase in interest rates by world banks. This surge, particularly notable in 2022, has had a profound impact across various sectors, including...
