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Explore insights, tips, and updates from the team at Springleaf Financial. Our blog is designed to help you stay informed and make confident decisions about your financial future.

InvestmentsStrategyThe Risks of Chasing Top Fund Managers
February 21, 2026

The Risks of Chasing Top Fund Managers

The Risks of Chasing Top Fund Managers For many investors, the temptation to invest with last year’s top-performing fund manager is hard to resist. After all, if someone has recently beaten the market by a wide margin, it’s natural to assume they’ve found a formula for success that can be…
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InvestmentsPortfolio ConstructionThe Allure and Reality of IPO Investing
February 18, 2026

The Allure and Reality of IPO Investing

The Allure and Reality of IPO Investing Initial Public Offerings (IPOs) have a certain allure for investors. The media hype, the promise of getting in on the “ground floor,” and the stories of massive first-day gains can make IPOs feel like an irresistible opportunity. But the data tells a more…
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Financial PlanningTax StrategiesGetting Overtaxed on Every Paycheque? Here’s How to Fix It
February 15, 2026

Getting Overtaxed on Every Paycheque? Here’s How to Fix It

Reduce Your Tax Withholding With the T1213: A Smarter Way to Manage Cash Flow If you're contributing regularly to an RRSP or paying for childcare, medical expenses, or interest on investment loans, you might be eligible to have less tax withheld from your paycheque. But most people don’t take advantage…
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InvestmentsPortfolio ConstructionPrivate Real Estate Fund Concerns
February 11, 2026

Private Real Estate Fund Concerns

Private Real Estate: When Smooth Returns Mask Rough Risks The popularity of private and alternative asset classes has heated up in the past decade – private core real‑estate income funds are one of the new cool things to own. The pitch is familiar – 6 to 8 percent yields, quarterly dividend/distribution cheques and…
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InvestmentsStrategyDay Trading: Evidence, Risks, and Realities
February 9, 2026

Day Trading: Evidence, Risks, and Realities

Day Trading: Evidence, Risks, and Realities Day trading – the rapid buying and selling of securities within the same trading day – has an enduring appeal. Social media platforms are full of stories about traders who’ve turned small sums into fortunes, and in certain market environments, speculative trading volumes surge.…
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CashflowFinancial PlanningCPP and EI for Incorporated Business Owners: What You Need to Know
February 6, 2026

CPP and EI for Incorporated Business Owners: What You Need to Know

CPP and EI for Incorporated Business Owners: What You Need to Know For many incorporated professionals in Canada, deciding whether to contribute to programs like the Canada Pension Plan (CPP) and Employment Insurance (EI) isn’t just about taxes - it’s about understanding what you get in return. These programs were…
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InvestmentsPortfolio ConstructionPrivate Credit: Why the Hype Deserves a Healthy Dose of Skepticism
February 3, 2026

Private Credit: Why the Hype Deserves a Healthy Dose of Skepticism

Private Credit: Why the Hype Deserves a Healthy Dose of Skepticism Over the past few years, a flood of new funds, webinars and glossy slide decks has pushed private credit to centre stage. The sales pitch is seductive: annual yields near 10%, steady monthly distributions and almost no price swings.…
Springleaf Financial
InvestmentsPortfolio ConstructionPrivate Equity Concerns
January 31, 2026

Private Equity Concerns

Private Equity: Separating Marketing Myth from Investable Reality Private‑equity (PE) funds promise top‑tier returns, diversification and privileged access to “alpha.” Yet the data tell a more realistic story: net results that mirror public, levered, small‑cap value stock funds, sky‑high fees, very wide manager dispersion and accounting tricks that make performance look…
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Financial PlanningInsightsWhat Drives Returns? It’s Not Dividends (It’s These 5 Factors)
January 29, 2026

What Drives Returns? It’s Not Dividends (It’s These 5 Factors)

Dividend Irrelevance and the Five-Factor Model In investing, it’s easy to get caught up in the latest headlines and stories about dividend hikes, stock splits, mergers and acquisitions, or a company’s quarterly payout ratio. But decades of financial research suggest that many of the things that make the news don’t…
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InvestmentsPortfolio ConstructionHidden Risks of Concentrated Investment Positions
January 29, 2026

Hidden Risks of Concentrated Investment Positions

Concentration is a Killer Most investors understand that markets can be volatile. What many underestimate is the danger of having concentrated positions in investments in their portfolio. Concentration magnifies every good and bad surprise, and when some people incorporate leverage, it turns ordinary market swings into life‑changing outcomes. Why Familiarity…
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CashflowFinancial PlanningOptimal Compensation as a Canadian Business Owner
January 28, 2026

Optimal Compensation as a Canadian Business Owner

Salary or dividends? This article examines how these strategies work together for Canadian business owners, exploring tax integration, income splitting, and the practical factors that impact your after-tax cash flow.
Springleaf Financial
Financial PlanningTax StrategiesSmarter Investing Strategies Inside Your Canadian Corporation
January 26, 2026

Smarter Investing Strategies Inside Your Canadian Corporation

Trimming the Corporate Bulk: Smarter Cash and Investing Strategies Inside Your Canadian Corporation Leaving surplus cash to accumulate inside a private corporation can feel like healthy growth, but too much “corporate bulk” adds weight that eventually slows you down. Cash that is not deliberately invested – or that sits in…
Springleaf Financial
InvestmentsStrategyMaking the Tax Man Earn His Cut
January 21, 2026

Making the Tax Man Earn His Cut

Smart tax decisions for Canadian investors with non-registered accounts Once you've maxed out your TFSA and RRSP, the next logical step is to start investing in a non-registered account. But unlike registered accounts, where tax is deferred or eliminated, every dollar of income in a taxable account can cost you.…
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InvestmentsPortfolio ConstructionChoosing the Right Investment Account
January 19, 2026

Choosing the Right Investment Account

Choosing the right investment account in Canada can have a major impact on long-term results. This guide breaks down the most common account types and how each one is taxed, with practical planning takeaways.
Springleaf Financial
Financial PlanningInsightsMaking Sense of Corporate Investing: Smart, Practical Strategies for Professionals
January 14, 2026

Making Sense of Corporate Investing: Smart, Practical Strategies for Professionals

Making Sense of Corporate Investing: Smart, Practical Strategies for Professionals For incorporated professionals, building wealth inside a corporation can be a powerful strategy — but it’s easy to get lost in the details. Tax rules are layered with notional accounts, passive income limits, and planning tradeoffs that aren’t always obvious…
Springleaf Financial
InvestmentsPortfolio ConstructionPortfolio Design
January 10, 2026

Portfolio Design

How to Build a Smarter Investment Portfolio (A plan you’ll actually stick to!) Designing an investment portfolio isn’t only about finding the “good” returns. It’s about balancing risk, behavior, and real-world goals in a way that works for you. In this article, we’ll unpack how to approach portfolio design the…
Springleaf Financial
CashflowFinancial PlanningHow to Pay Yourself from a Corporation – Salary vs Dividends
January 5, 2026

How to Pay Yourself from a Corporation – Salary vs Dividends

Smoothing Cash-Flow, Cutting Tax: How to Pay Yourself from a Corporation in Canada Running your own corporation gives you more control over when – and how – your income lands in your personal hands. That flexibility can translate into tens of thousands of dollars in lifetime tax savings (and far…
Springleaf Financial
Financial PlanningInsightsUnderstanding CPP and EI as a Canadian Business Owner
December 21, 2025

Understanding CPP and EI as a Canadian Business Owner

What You Need to Know Regarding CPP and EI For many incorporated professionals in Canada, deciding whether to contribute to programs like the Canada Pension Plan (CPP) and Employment Insurance (EI) isn’t just about taxes - it’s about understanding what you get in return. These programs were designed with employee…
Springleaf Financial
InvestmentsStrategyHigh-stakes Financial Decision-Making
December 5, 2025

High-stakes Financial Decision-Making

Whether you’re starting out, selling a business, or entering retirement, the truth is the same: our investment decisions are shaped as much by our emotions as they are by our spreadsheets.
Springleaf Financial
InvestmentsStrategyCore Investment Principles
October 10, 2025

Core Investment Principles

One thing that I hear people often say to me is that investing is like gambling, and I decided to write this article to challenge that concept. Understanding the difference is essential to be successful. Both can involve risk. Both can give you a rush, and be exciting (or scary).…
Springleaf Financial
Financial PlanningInsightsThe Psychology of Financial Progress with Debt and Investing
September 20, 2025

The Psychology of Financial Progress with Debt and Investing

A recent medical graduate in British Columbia is finally earning a real income – but they’re starting from what feels like a deep hole. They’re asking: Should I invest now? Pay off debt? What about taxes? Will waiting cost me everything in lost compound returns?
Springleaf Financial
Financial PlanningInsightsPlanning towards your Goals and Financial Independence
September 14, 2025

Planning towards your Goals and Financial Independence

What Financial Independence Really Means - And How to Work Toward It When most people hear the term “financial independence,” they think of early retirement, beach chairs, time with family, and not having to work another day in their life. But that’s just one version of the story. The real…
Springleaf Financial
Financial PlanningInsightsDecisions that Compound
September 10, 2025

Decisions that Compound

You’re probably familiar with decision fatigue. Every day, you’re managing hundreds of choices – some small, others large. Obviously, not all decisions deserve equal weight. And as it turns out, many of the ones that impact your long-term happiness the most are hiding in plain sight.
Springleaf Financial
InvestmentsStrategyReal World Investment Cases
August 29, 2025

Real World Investment Cases

Understanding financial theory is one thing. Applying it in real life – especially when emotions are involved – is something else entirely. In this article, I’m walking through three real-world investment scenarios that highlight common challenges Canadian professionals face, especially around market timing, switching to lower-cost investments, and the temptation…
Springleaf Financial
Financial PlanningInsightsFinancial Decisions that Support your Life
August 25, 2025

Financial Decisions that Support your Life

When people come to me to discuss financial planning, or talk about managing money, many times the first conversations end up being about returns, taxes, or retirement. But honestly? The starting point should actually be: What makes life good? What makes you happy, and what do you want to be…
Springleaf Financial
InsuranceLife InsuranceWhat is Term Life Insurance? Is it right for you?
August 20, 2025

What is Term Life Insurance? Is it right for you?

Term Life Insurance provides a simple, affordable safety net. It pays a tax-free lump sum to your chosen beneficiaries if you pass away during the term of the policy. The money that is received can be used for anything - paying off debt, replacing lost income, covering kids education costs,…
Springleaf Financial
Financial PlanningTax StrategiesWhat is the Spousal Loan Strategy? Is it right for you?
August 3, 2025

What is the Spousal Loan Strategy? Is it right for you?

The Spousal Loan Strategy is a simple, legal way to split income and lower taxes. If you and your spouse have very different incomes, chances are you’re paying more tax than you need to. In Canada, we’re taxed as individuals - not as households. That means a couple with one…
Springleaf Financial
Disability InsuranceInsuranceWhat is Disability Insurance? Is it right for you?
July 30, 2025

What is Disability Insurance? Is it right for you?

Lets start this very simply - would you rather have a job that pays you $100,000, but zero the moment you become disabled? Or a job that pays you $98,000 but $60,000 tax free when you become disabled? Most would choose the latter. If your income suddenly stopped due to…
Springleaf Financial
Critical IllnessInsuranceWhat is Critical Illness Insurance? Is it right for you?
July 28, 2025

What is Critical Illness Insurance? Is it right for you?

Critical Illness Insurance is designed to help with the financial side of a health crisis. It pays you a tax-free lump sum if you're diagnosed with one of the covered conditions — the main 3 that are often included are cancer, heart attack, stroke, but there are often many others…
Springleaf Financial

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