360 Degree Financial Planning

For many Nova Scotians, the family cottage is more than just a property—it's a cherished place filled with memories. As you consider passing it on to the next generation, it's essential to understand the financial, tax, and legal implications involved Understanding Capital Gains Tax When you gift your cottage to a family member, the Canada Revenue Agency (CRA) treats it as if you sold the property at its fair market value (FMV), even if no...

In today's digital age, safeguarding your sensitive information is paramount - especially with the rising number of phishing scams. Cybersecurity incidents are becoming more frequent, showcasing the vulnerabilities in our digital infrastructure and the importance of proactive protection measures. The most common cyber attack, phishing, is a form of online fraud where scammers try to trick you into revealing personal and financial details by posing as trustworthy entities. To help you stay protected review the...

For many business owners, the idea of selling the company they built from the ground up seems like the perfect way to retire. After all, what better reward for years of late nights, stress, and sacrifice than a big payout? But here’s the hard truth: counting on the sale of your business as your retirement plan is risky. The Myth of the Big Exit We’ve all heard stories about entrepreneurs who sell for millions and...