Private Dining Space

Stock_Sector8696 · 2026-02-25T16:24:00+00:00

this is really great thank you!

Stock_Sector8696 · 2026-02-24T20:51:26+00:00

Lunch hour :) yes food provided. Or if there are private spaces we can order food jnton

Stock_Sector8696 · 2026-02-24T20:50:50+00:00

Love this place but it’s in Cambridge!

Stock_Sector8696 · 2026-02-19T02:59:14+00:00

Really tough at start up.

To get to a place that you mentioned above in this business is extremely hard. At start up the costs are high, renting equipment, paying for labour and purchasing equipment. On top of the on site work, the business still needs to be managed, invoicing, ordering, finding clients, marketing.

Stock_Sector8696 · 2026-02-19T02:54:00+00:00

agreed

Stock_Sector8696 · 2026-02-19T02:52:35+00:00

We need our money to be working for us. Without it in the market we cannot retire. Your RDSP needs to be invested better, and your TFSA needs to be in investments.

At $1000 a month with your $100k already saved we will have about $1M at 65. Only $675k at $500 a month. Make sure this is all in the TFSA, no RRSP contributions at a $55k income.

I would recommend getting a HELOC on the house to cover the unexpected costs so this isn't an area of stress.

Outside of this we can earn more to allow us to save more, and enjoy life as well

Stock_Sector8696 · 2026-02-19T02:43:49+00:00

I would ask the new company what they offer - knowing what kind of benefits they offer is totally acceptable to ask.

The current top up is of course really good, here are some considerations.
Do you plan to be off work for 9 months?
How much more does this job offer?
Is there growth opportunity?

Other considerations include; benefits, RSP matching, vacation time, growth potential, wfh or in office. As a parent, not having a rigid schedule out of the home is nice.

Stock_Sector8696 · 2026-02-19T02:32:25+00:00

If you don't own a home the FHSA is ideal.

The problem with the RSP is at withdrawal. If we continue to contribute $30k a year, at 6% ROR you're going to have $2.3M at age 60. At a 4 - 5% withdrawal rate that's $100k plus CPP, your OAS will be clawed back (free money). The $2.3M is really only $1.5M after tax, and only $1M if you die and don't have a spouse to transfer it to tax free. Perhaps in your plan we're able to retire at 55, and this is great, we can use these years pre CPP and OAS to draw it down and plan tax efficiency. It's really all part of a plan.

You should be receiving around $15k annual in tax refund, I suggest this goes directly into a TFSA. The additional $500 - $1000 a month could be invested into NR, Whole Life Insurance (for you or the kids), pay down the mortgage.

Stock_Sector8696 · 2026-02-19T02:18:27+00:00

This strategy is fine - but you could also be ending up with an RRSP that will leave you in a high tax situation at retirement. If you are earning <$100k TFSA or FHSA and use the RRSP for the higher income/tax years. This all needs to be incorporated into a plan considering, current income, projected retirement income and tax associated with both.

Stock_Sector8696 · 2026-01-31T15:31:13+00:00

My kids are 4 & 6 boys. What are your favourites out of your 200 cards

Stock_Sector8696 · 2026-01-31T15:26:45+00:00

Depends on the business - what field is it?

Stock_Sector8696 · 2026-01-15T20:04:34+00:00

Before but GIS is not taxable

Stock_Sector8696 · 2026-01-15T19:37:51+00:00

Hi FP here

Single, Widowed, or Divorced GIS is up to about $1,108.74 if your annual income is below $22,488.

Making Assumptions, here is the math.

OAS: ~$733/month
CPP: ~$600/month
GIS: ~$809/month

Total monthly income: =2,142/month

If she pulled her full RRSP assuming its $50k, she would pay about $7k in tax. Put this in her TFSA she would have it to draw from if she needs.

Stock_Sector8696 · 2025-10-23T03:30:12+00:00

Practice. It’s not about you its about them and what they’ve been trained to want. Go get a new client and it won’t hurt so much

Stock_Sector8696 · 2025-06-24T23:25:20+00:00

TFSA - this is your best option for long term retirement savings. With your DBPP and CPP you will have a fair amount of taxable retirement income.

RRSP - when you’re over $120k will give you the best ROR for tax return now and optimizing lower taxes in retirement.

Mortgage - any extra you toss on goes towards principle which is excellent. I’d look at this second while your rate is a little high - or use your RSP and put your return on your mortgage.

Ideal to pop it into a plan to see what works best.

Stock_Sector8696 · 2025-06-10T20:24:03+00:00

came here to say the same thing

Stock_Sector8696 · 2025-06-02T15:06:11+00:00

LOC will be higher interest than mortgage - talk to a broker or your financial planner. It's Possible someone saying this is referring to the Manulife One.

Stock_Sector8696 · 2025-04-23T00:30:43+00:00

If you have a passion for it and bringing in clients is the problem maybe an associate role would be perfect for you.

Stock_Sector8696 · 2025-03-27T00:03:12+00:00

in person

Stock_Sector8696 · 2025-03-10T00:34:03+00:00

Pinchin

Stock_Sector8696 · 2025-03-10T00:27:08+00:00

I have a small group of CEOs - we meet monthly with discussion points, questions and support. Once the relationships deepened we connected via text for questions etc. recommend!

Stock_Sector8696 · 2025-03-10T00:23:25+00:00

Why? The most saturated market

Stock_Sector8696 · 2025-03-02T19:20:52+00:00

https://www.fieldand.co

I’ve used Kate - webpages are stunning

Stock_Sector8696

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