Roger Antonio, RRC®
Financial Planner, Mortgage Agent Level 1
Financial Planner, Mortgage Agent Level 1
Before you begin investing, it is important to develop a plan. Patience eliminates a desire for get-rich-quick profits. No one gets rich overnight after purchasing mutual funds. However, many people will get rich investing in them over the long term …
Read moreWhen you apply for a mortgage, there are several questions that a lender may ask.
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Canadian Individual Tax Checklist This checklist is for organizational purposes only and should not be considered legal or professional tax advice. Always consult with a qualified Canadian tax professional (e.g., a CPA) to ensure you meet all your specific tax …
Read moreCanadian Business Tax Checklist (T2 / Self-Employed) The checklist for businesses depends on the entity type (Sole Proprietor, Partnership, or Corporation) and its fiscal year-end (FYE). 1. Key Deadlines & General Review Entity Type Tax Payment Due T2/T1 Filing Deadline …
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Mortgage brokers are valuable mediators in the Canadian mortgage market, offering distinct advantages for both new homebuyers and those undergoing mortgage renewal. Multiple Lender Access: Mortgage brokers work with numerous lenders, such as major banks, credit unions, mortgage finance companies, …
Read moreStock market language refers to two predominant patterns: “bulls” and “bears.” These terms describe the prevailing market trend and can sometimes cause concern, but understanding their meaning is key to maintaining a long-term perspective. My goal is to help you …
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Tax Planning is Legal: Canadians can legally arrange finances to minimize income tax. Tax Issues to consider: RRIF Withdrawals: Increases your tax burden and may result in an Old Age Security (OAS) clawback. Provincial Tax Rate: Living in a high-tax-rate …
Read moreGenerative AI has fundamentally changed cybercrime. It is no longer just about technical exploits but has shifted to hyper-personalized, scalable, and psychologically manipulative fraud. The scale of financial losses is unprecedented. The 2024 Internet Crime Report from the FBI documented …
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When establishing a financial plan involving other stakeholders, such as paying down a mortgage, develop a written plan that all parties agree on.
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