Tax-Free Income with IUL: A Canadian Perspective
Indexed Universal Life (IUL) In Canada, we don’t have 401(k)s — but we do have powerful strategies like Universal Life Insurance that offer similar long-term benefits. One such tool? Indexed Universal Life (IUL) or Participating Life Insurance with cash value growth. It combines protection, growth, and tax efficiency — all in one. 1. What […]
How Annuities Can Help Canadians Create Reliable Retirement Income
In Canada, most people won’t retire with a guaranteed pension. That’s why annuities are becoming a powerful tool in retirement planning — offering steady, dependable income even when markets are uncertain. Let’s explore how annuities can give you a “retirement paycheck.” 1. What’s an Annuity in Canada? An annuity is a financial product offered […]
Tax Breaks for Canadians 50 and Over
If you’re 50 or older in Canada, you still have time to maximize your savings, reduce your tax bill, and build a meaningful retirement plan. These tools and strategies are designed to reward your consistency and help you catch up if needed. 1. RRSP Catch-Up and Unused Room You can keep contributing to your […]
3 Budgeting Methods That Can Work for Your Life in Canada
Combining Annuities and Life Insurance
A Smarter Way to Plan Your Retirement In Canada, many families rely on RRSPs or the Canada Pension Plan to fund retirement. But these alone may not be enough to maintain your lifestyle, handle rising costs, or support your loved ones. That’s where a combined strategy of annuities and life insurance can provide both income […]
5 Strategies for Making a Tough Financial Decision
Making Smart Money Moves Starts with Strategy At Veracity LD, we understand that life often puts you in situations where the “right” financial decision isn’t always obvious. Whether you’re managing debt, balancing between saving or spending, or deciding whether to invest or wait — it can feel like a lot. The good news? You don’t […]
Advising Millennials: A New Conversation About Money
A Generation with New Priorities Millennials in Canada are reshaping the financial world. They’ve come of age through student loan challenges, unpredictable housing markets, and rapid shifts in work culture. As a result, their financial goals are deeply personal — they’re about living well, supporting family, and building security, not just accumulating wealth. They’re not […]
How Women Are Redefining Their Relationship with Money & Advisors
Women Are Leading the Financial Conversation Across Canada, more and more women are stepping up to take control of their financial futures. Whether at home, in business, or managing their own goals, they are no longer just part of the conversation — they are leading it. Today’s Canadian women want to understand their finances, make […]
7 Financial Moves Every New Mom Should Make
Your baby isn’t the only one growing. Your financial plan should too. “A mother’s strength builds generations. Let your finances reflect that strength.” — Veracity LD Becoming a parent is life-changing—and so is the financial shift that comes with it. Whether you’re preparing for maternity leave or thinking long-term about college and estate planning, here […]
Top Tax Changes in Canada for 2025
What you need to know to optimize your finances. Each new tax year brings adjustments that can affect your income, retirement contributions, and overall financial security. At Veracity LD, we help you stay prepared so you can make powerful, informed decisions. This means more income at lower tax rates — great for your wallet! These […]