by harmerwealth | Apr 29, 2026 | Uncategorized
Buying your first home can feel like a race between rising prices, mortgage rules, and the challenge of saving enough for a down payment. For some first-time home buyers, one strategy worth understanding is using an RRSP contribution, an RRSP loan, and the Home...
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,...
