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...
by harmerwealth | Jul 9, 2025 | Uncategorized
f you’re selling a family home in Clarington, Bowmanville, Newcastle, Orono, Courtice, Peterborough, or Port Hope, chances are you will unlock six‑ or seven‑figure equity. The big question is: how do you turn that lump sum into lifelong,...
by harmerwealth | Jun 9, 2025 | Uncategorized
Financial Advisor in Whitby, Oshawa, Bowmanville, Port Hope, and Cobourg – Professional couples, pre-retirees, and retirees in these communities often face complex financial questions. How can you balance current income needs with long-term retirement goals?...
by harmerwealth | May 9, 2025 | Uncategorized
Canada’s unemployment rate recently rose to 6.9%, a noticeable increase from the previous month. This change is mainly because of fewer jobs in manufacturing and trade, impacted significantly by ongoing trade issues with the U.S., particularly tariffs. But what does...
by harmerwealth | Apr 5, 2025 | Financial Planning, Investing, Investment Income, Retirement, Uncategorized
If recent headlines about U.S. tariffs, trade tensions, and economic uncertainty have made you nervous about your finances, you’re certainly not alone. Whether you’re a seasoned investor or just someone concerned about protecting your hard-earned savings,...
by harmerwealth | Mar 12, 2025 | Interest Rates, Mortgages, Real Estate, Uncategorized
Big news for homeowners, buyers, and investors: the Bank of Canada has cut its key interest rate by another 0.25%, marking a shift in the economic landscape. If you have a variable-rate mortgage, this directly impacts you—so let’s break it down. Variable-Rate Mortgage...
