Moneyman Financial Inc.
We provide expert financial advice to those who truly care about their family’s financial future.
Business Owners
Strategies to help increase your personal cash flow, keep key employees and protect your business.
Latest News from Moneyman Financial Inc.
Estate Freezes: A Smart Tax Strategy or a Risky Move?
Have you heard of an estate freeze but aren’t sure what it means—or whether it’s right for your business?
An estate freeze is a powerful tax-planning strategy that allows business owners to “lock in” the current value of their company while shifting future growth to the next generation. Here’s how it works: you exchange your common shares for fixed-value preferred shares on a tax-deferred basis. Your children—or a family trust—then receive new common shares, which capture all the future growth of the business.
Living Paycheque to Paycheque: How Canadians in the Gig Economy Can Build Financial Security
For past generations, financial security often meant a steady, full-time job with a pension. Today, more Canadians are working as freelancers, contractors, or gig workers—enjoying flexibility, but also facing unpredictable incomes. In fact, a 2025 ADP survey found that over half (56)% of Canadians are living paycheque to paycheque.
While this reality brings challenges, it also highlights the importance of proactive money management. With the right planning, Canadians can protect their health, reduce stress, and build long-term stability.
Finding Coverage That Fits: Flexible Insurance Choices for Canadians
Life and critical illness insurance are designed to help protect the people you care about most. But let’s be honest—qualifying for traditional insurance isn’t always easy. If you’re living with a health condition or have faced coverage denials before, the process can feel frustrating and discouraging.
The good news? There are newer, more flexible insurance options in Canada that can give you the protection you need—without all the hurdles.