If you feel like your paycheck isn't stretching as far as it used to, you aren't imagining it. Statistics Canada just released the Annual Average Consumer Price Index (CPI) for 2025 , and the number is 164.2 . While a three-digit decimal might look like dry economic data, it is actually a precise measurement of your declining purchasing power. Here is what that number really means for your wallet. The "2002 Reality Check" To understand 164.2 , you have to look back to 2002 —

As a financial advisor, I am often asked: "Is the market a gamble?" When you look at the headlines of a single week, it certainly feels like one. But when we zoom out to a 100-year view (1926–2025) , the "noise" of the daily news transforms into the "signal" of one of the greatest wealth-creation engines in human history. Let’s look at the cold, hard data from the last century and what it actually means for your portfolio. 1. The Power of 10.49% Over the last 100 years, the

If you own a business in Canada, the question of whether to hold life insurance personally or through your corporation can have big consequences for taxes, estate planning, and long-term wealth. Below is an overview of how each option works and when one may be better than the other. Comparison: Corporate-Owned vs. Personal Life Insurance Category Corporate-Owned Life Insurance Personally-Held Life Insurance Who owns the policy Corporation (typically a CCPC) Individual (busine