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Budget 2025: What Matters for Families, Business Owners, and Portfolios

Team Innova – Here’s a Quick Debrief on the Federal Budget Tabled November 4, 2025. Big Picture This budget shifts the focus from day-to-day program spend toward “generational” capital investments (infrastructure, productivity, housing, defense), while shrinking the public service by ~10%...

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The CFP Difference: Turning Life's Financial Plot Twists Into Peace of Mind

Let's face it: life is the ultimate plot twist generator. From school, raising children or fur babies to starting a business and (eventually) retiring on a beach or deep in the woods, the only consistency is inconsistency. Navigating these constant changes, and the financial movements that go...

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Steady Through the Storm: Navigating Markets in Changing Times

We live in a time of turbulence. Over just the last few months, the world has been buffeted by ongoing wars, tariff escalations, geopolitical fractures, renewed resource nationalism, and more. The IMF recently warned that “uncertainty is the new normal,” and with good reason. The U.S. has...

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Protecting Wealth Beyond Investments: The Often Overlooked Role of Insurance

Why the right coverage is essential to safeguarding your financial future When people think of wealth management, they often focus on investments, retirement planning, tax strategies, and estate planning. But there’s another pillar of financial health that is just as important - yet often...

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Why History's Cycles Matter Today: Investing in a Fourth Turning

Understanding Today’s Turbulence Through the Lens of History’s Repeating Patterns Many of us look at what's happening around the world, on the news and feel that the world is going through unusually turbulent times — politically, socially, and financially. However, some historians and...

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RESPs Explained: A Smart Way to Save for Your Child’s Education

What Every Parent Needs to Know About Building and Using an RESP As the cost of post-secondary education continues to rise, many Canadian families are looking for tax-efficient ways to plan ahead. The Registered Education Savings Plan (RESP) has long been one of the most effective tools...

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