In the nonprofit space, financial wellness supports every service your organization provides. It's about creating a financial pathway that upholds your mission and amplifies community work. Effectively managing your finances reflects your commitment to community service, with a purposeful budget serving as a blueprint for impact.

During accumulation, investors enjoy a tax deferral when the price of their holdings increases. In tax terms, this is known as an unrealized capital gain, and works whether securities are held directly or within a mutual fund.

As an investor you may hold stocks and bonds directly, or you may hold them inside a mutual
fund. Either way, your investment objectives will be a combination of principal protection, income generation and capital growth.

Investors are often comforted by investing in what is familiar. For Canadians, that may include investing a greater share of their portfolio in Canadian securities.

Ryan has spent the last 15 years building multiple businesses and mentoring young entrepreneurs. After being laid off in 2009, he founded Detailing Knights, a mobile waterless car cleaning company. He also launched Knighthood Academy, a youth entrepreneurship program that aims to empower young people through hands-on business experience.

You harnessed your spending habits to set aside savings. You researched the investments you deemed worthy of your hard-earned dollars. And now, as you admire your accumulating wealth, there’s a dark cloud ahead – income tax.