Wealth Harvest Group
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From Wealth Harvest Group
You Just Inherited Money: What to Do First
Coming into an inheritance can feel like a gift and a weight at the same time. Before you make any big moves, take a breath. Here is a calm, step-by-step look at what to do first with money you inherit in Canada, from taxes to smart next steps.
Play the Long Game – Fred Pratt Jr. on Golf, Patterns, and the Planning Mindset
In this episode, Fred draws a clear line between golf course management and financial planning, and the parallels are hard to ignore. Reading the terrain before swinging. Knowing which club to pull and when. Avoiding the double bogey moments that quietly add up over time. It all connects.
Financial Checklist for New Parents in Canada
A new baby changes everything, including your money. Between sleepless nights and tiny socks, a few financial steps can help protect your growing family. Here is a simple checklist of what to set up, update, and start when a baby joins your home.
How to Catch Up on Your RRSP Contributions
Unused RRSP contribution room does not disappear, it carries forward every year. If you have fallen behind on contributions, you may have more room than you realize. Here is how RRSP catch-up contributions work and how to use them to reduce your tax bill
Life Insurance for Affluent Professionals – Part Three of Our Three Part Series
Affluent professionals often face a familiar challenge: how to maximize their wealth today while ensuring a lasting legacy tomorrow. The answer increasingly lies in the strategic interplay of life insurance, leverage, and legacy planning.
Generic Ozempic Is Here. Will Your Drug Plan Actually Save Money?
Generic semaglutide (the active ingredient in Ozempic) is now available in Canada, and it has the potential to meaningfully reduce drug costs for employer-sponsored benefits plans. But savings are not automatic. Without the right plan design in place, many members may stay on the brand-name drug and costs could remain unchanged. Here is what plan sponsors need to know and do right now.
Life Insurance for Affluent Professionals – Part Two of Our Three Part Series
For high-income professionals, taxes can be the single greatest drag on investment performance. Once RRSPs and TFSAs are maximized, the challenge becomes finding new ways to build wealth efficiently — and that’s where life insurance enters the picture.
Life Insurance for Affluent Professionals – Part One of Our Three Part Series
In the world of high-net-worth investing, true diversification extends beyond asset classes — it includes the structure in which wealth is held. For many affluent professionals, permanent life insurance has evolved from a protection product into a sophisticated component of an integrated wealth strategy.
Tax Lines to Look Out For on Your 2025 Canadian Tax Return
The 2025 tax year brings a lower federal tax rate, higher contribution limits, and several eliminated credits. From the new Canada Disability Benefit to changes in CPP2 and capital gains rules, here are the key lines to watch when filing your 2025 Canadian tax return.
Ontario Budget 2026
The 2026 Ontario Budget brings major changes for small business owners, home buyers, and investors. From a cut to the small business tax rate to an enhanced HST rebate on new homes, here is what you need to know and how it could affect your finances.