CLARITY IN FINANCES
“Deciding is protecting.”
Procrastination has a cost.
Our Coverage
Insurance Protection
Retirement Strategies
Business Strategies
Desability Insurance
Family Protection
Financial Gap Calculator
Canada's credit history mystery
“Your financial history from your country of origin does not travel with you. In Quebec, starting with zero history is normal, but dangerous. The first step is not to borrow, but to understand how to build a solid credit score from the first month in order to rent or buy in the future.”
TFSA vs. RSP: They're not just acronyms
Saving is good, but saving with tax advantages is smart. Understanding the difference between a TFSA (TFSA) and an RSP (RRSP) will allow you to save for retirement or a home without paying taxes on the earnings. Don't leave money in the bank losing value to inflation.
The golden rule: Verify before trusting
In Quebec, it is illegal to provide investment advice without being registered with the AMF. If a “friend” or “guru” in the community offers you an exclusive investment opportunity, verify their license in the AMF registry. Trust is good, verification is mandatory.
Health insurance: The invisible network of the public system
“Quebec's healthcare system (RAMQ) is excellent, but it doesn't cover everything: medication, dental care, and optometry are usually out of pocket expenses. Getting insurance as soon as you arrive will prevent catastrophic expenses that could ruin your budget while you're settling in.”
Let's work together!
Are you ready to improve your financial future? Contact me today to schedule a free consultation and find out how I can help you.
