25 05, 2017

What is best for you, a TFSA, RRSP or both?

May 25th, 2017|Wealth Management|

Everyone wants to make wise decisions when it comes to saving their hard-earned money. Two tools that are often discussed and debated are the Registered Retirement Savings Plan (RRSP) and the Tax-Free Savings Account (TFSA).

Why choose the RRSP?

This is usually used for retirement and typically recommended for those in a higher income bracket. With RRSPs, […]

15 05, 2017

Financial Considerations for a Growing Family

May 15th, 2017|Personal Insurance, Wealth Management|

Whether you’ve just received the news that you’re expecting a child, or you’re contemplating starting a family, there is so much to think about. Is your home large enough to grow into? What will it cost to buy cribs, strollers, diapers and other necessities?

The impact on a family’s bottom line is significant. Money Sense magazine […]

12 05, 2017

How Changes to Pharmacare Impact Employers

May 12th, 2017|Employee Benefits|

Ontario’s provincial government recently announced that starting January 1, 2018 there will be universal drug coverage for all residents under 25 who are eligible for OHIP. It won’t matter what the family income is or whether the family currently has a drug plan in place. The new plan will also have no deductible or copayment […]

12 04, 2017

Healthy Finances and Healthy Habits Go Hand in Hand

April 12th, 2017|Employee Benefits|

In 2016, Manulife Financial did a Financial Wellness Assessment and found that those who had a higher score in financial wellness also scored high on having healthy lifestyle habits. In other words, when people were doing well with their finances, they were more apt to take care of themselves too.

Whether that meant eating right, moving […]

30 03, 2017

Six HR Do’s for Your Small Business

March 30th, 2017|Employee Benefits|

On top of leveraging a well thought out business plan, small business owners are also tasked with ensuring every other department is being run according to plan. Human resources is a key part of every successful business and developing best practices from the beginning is essential. Some important details to keep in mind when building […]

9 03, 2017

Three Investment Steps to Take in Unsteady Financial Times

March 9th, 2017|Wealth Management|

It is a natural reaction to unstable financial times to hold back on investing. Many of us are not great risk takers and therefore we make the choice to play it safe and keep our hard earned money where we can see it and protect it. But there are ways to keep investing in times […]

21 02, 2017

How Can Combination Insurance Get You Through the Cold Times?

February 21st, 2017|Personal Insurance|

Regardless of how much snow falls, or how low the temperature dips, getting away from a Canadian winter is one of the country’s longest traditions. In January and February of 2016, Canadian residents went on 8.7 million out-of-country trips. But while most Canadians remember to pack the sunscreen, and convert their currency, a survey by The […]

8 02, 2017

Take These Small Steps Now Towards Big Rewards

February 8th, 2017|Employee Benefits|

Canadians have never lived longer. Statistics Canada reports our life expectancy has risen 81.7 years (in 2015) compared to 57.1 (in 1921). But living longer does not necessarily mean Canadian are living healthier.

According to experts, many diseases can be linked to preventable risk factors including poor diet, excess use of alcohol and inactivity.

A provincial study […]

21 12, 2016

Year End Letter

December 21st, 2016|Dobson & Toncic Announcements|

As 2016 draws to a close, the Dobson & Toncic team would like to thank all of our clients for their business over the past year. We know you have choices in purchasing your financial products and we are deeply appreciative that you have placed your trust in us.

For our clients using our investment advice […]

14 12, 2016

It’s Never Too Late to Establish Your Retirement Savings Plan.

December 14th, 2016|Wealth Management|

Is it too late to start planning for retirement at the age of forty? Although many financial experts will stress the importance of beginning your financial planning earlier, there are even more people that like to remind us how 40 is the new 30. It’s never too late to start saving and planning for retirement.
To […]