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.
The Complete Canadian Savings & Tax Guide – Part One of Our Three Part Series
The Registered Retirement Savings Plan (RRSP) is one of the most effective tools Canadians have for retirement planning, offering tax benefits, growth potential, and flexibility. Understanding how to maximize your RRSP can make a significant difference in your long-term financial security.
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.