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What is a Financial Plan?
What goes into a comprehensive Financial Plan? Financial plan is a broad term and it can be applied pretty loosely. But that’s okay, because a financial plan can be very different for everyone. Each individual situation will have different levels of focus and concentration, and it certainly isn’t a cookie cutter, one size fits all.…
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CEBA Loan Repayment Update
New CEBA Repayment Deadlines On September 14, 2023, the Prime Minister announced extended deadlines for Canada Emergency Business Account (CEBA) loan repayments, and additional flexibilities for loan holders looking to benefit from partial loan forgiveness of up to 33 per cent (up to $10,000 for a $40,000 loan, and $20,000 for a $60,000 loan). What…
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Agricultural Stewardship Initiative
New Funding Opportunity for Farmers The Agricultural Stewardship Initiative (ASI), provides cost-share funding to support farmers to accelerate the adoption of best management practices (BMPs) supporting soil health, water quality and productivity benefits on agricultural land across Ontario. The Initiative also provides enhanced funding on a regional basis for projects contributing to phosphorus reductions in…
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7 DVM Compensation Trends with an HR Professional
Hiring a veterinarian? Here’s How You Can Set Your Practice Apart. The veterinary industry is one that has seen a lot of change over a relatively short period of time. Associate DVM salaries are up, and gone (for now) are the days of “looking for work” as a veterinarian. Like many industries, competition for quality…
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Individual Pension Plans (IPP)
Dramatically boost your retirement assets with tax-deductible corporate contributions How an Individual Pension Plan (IPP) works An IPP is a tax-deferred savings vehicle used to invest and save for retirement. Contributions are tax-deductible and made directly from the corporation. Similar to an RRSP, the assets inside an IPP are tax-deferred until withdrawn, at which time…
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Summer 2023 Newsletter
Accounting Human Resources Solutions Wealth Management Firm News Please Note Our Summer Hours The offices of Ward & Uptigrove will close Fridays at 12:00pm from July 7 through to September 1, 2023 Firm Updates To our valued clients, Like many businesses, W&U faced significant challenges in maintaining our service levels during the pandemic. These challenges…
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RESPs & Grandparents
The cost of university has risen sharply , and so has the importance of graduating with a desired and marketable set of skills and knowledge. Without a post-secondary education, employment and life opportunities are more limited now than ever before. Contributing to a grandchild’s education helps them and their parents, and helps you stay connected…
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Changes to Mandatory Working at Heights Training Requirements
On May 17, 2023, Ontario announced changes to the training requirements for working at heights. The province has updated both the program and provider standards for mandatory working at heights training, noting that falling from heights is one of the leading causes of workplace fatality in a number of industries including construction. Currently, workers on…
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The Psychology of Selling Your Business
Whether you’re an established business proprietor, a generational business owner, or an entrepreneur, you’ve put your heart and soul into building your company. Still, there comes a time when you need to move on, and that’s where selling comes in. However, it’s more than finding the right buyer and negotiating the best price or contract…
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Dealing with Down Markets
Staying Calm When Markets are Volatile Why Avoiding Short-Term Performance Figures Can be a Sound Strategy In times of economic turbulence, it’s normal to feel apprehensive when you’re about to read your portfolio’s performance. And, of course, seeing the fluctuating short-term results doesn’t help. It is more important to keep your sights on the bigger…
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What Happens if You Die Without a Will
Most of us know that having a will is important, but statistics show that what we know about wills and the action we take with wills are very different. According to a survey conducted by CIBC in 2013, more than half of Canadians die without a will. If you die without a will in Canada…
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2023 Federal Budget Commentary
On March 28, 2023, the Deputy Prime Minister and Finance Minister, the Honourable Chrystia Freeland, presented Budget 2023 – A Made-in-Canada Plan: Strong Middle Class, Affordable Economy, Healthy Future , to the House of Commons. No changes were made to personal or corporate tax rates or to the inclusion rate on taxable capital gains. Some…
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