RRSP The Registered Retirement Savings Plan (RRSP) is one of Canada’s most important financial planning tools. While the TFSA offers tax-free growth, the RRSP provides tax-deferred growth and immediate tax …
Avoid Taxation: Use a TFSA
Understanding the TFSA The Tax-Free Savings Account (TFSA) has become one of the most powerful financial tools available to Canadians. Whether you’re saving for retirement, building an emergency fund, or …
Court of Appeal Confirms Strict Limits on Revoking Beneficiary Designations
Court of Appeal Confirms Strict Limits on Revoking Beneficiary Designations Alger v. Crumb, 2023 ONCA 209 The Ontario Court of Appeal has reaffirmed a key principle in estate planning: a …
Mortgage Rates: 28 November 2025
Mortgage Rates 28 November 2025 Current Mortgage Rates: “A” Lending Rates: Fixed 3.89% (insured) | 4.14% (conventional) Variable 3.70% (insured) | 4.05% (conventional) Rental 4.64% (fixed) | 4.30% (variable) …
When Family Promises Collide with Estate Law
Proprietary Estoppel: Campbell Estate v. Campbell (2011 ONSC 5079) Estate disputes often arise not from complex legal puzzles, but from informal family arrangements that were never properly documented. Campbell Estate …
Separation Agreements and Beneficiary Designations
Gaudio v. Gaudio (2005) Ontario Superior Court Why general releases won’t cancel RRSP or life insurance beneficiaries When spouses separate, they often sign agreements intended to settle their financial affairs …
Commercial Indicators – 28 November 2025
Commercial Bond Yields CMB5 Year – 2.87%CANHOU 12/15/30[+0.01%] 10 Year – 3.46%*Est. CANHOU 03/15/36[+0.01%] Floating Rate insured cost of funds 2.81%[-] Prime Rate 4.45%[-] GoC2 Year – 2.51%CAN 09/01/28[+0.02%] 3 Year – 2.61%CAN 09/01/29[-] 5 Year – …
RECO is now under an Administrator
The Ministry appointed Jean Lepine as the Administrator of RECO on 28 November 2025. That means he will take over complete control and will not be subject to anyone at …
Contract Provisions Prevail over Equity
Icetrading Inc. v. Trayanov (2025 ONCA 793) The Ontario Court of Appeal has once again emphasized a core principle of real estate and commercial disputes: when parties sign a contract, …
Purchaser Bound by APS Despite Claim of No Signature
Greco v. Jarboh, 2025 ONSC 6391 The Superior Court’s decision in Greco v. Jarbohis a textbook example of what happens when a buyer claims not to have signed an Agreement …