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2025 Year in Review: Staying Financially Strong in Uncertain Times
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As we wrap up 2025, it’s a good time to pause and reflect on what the year has brought–and more importantly, how to position ourselves for success in 2026. This year has been another reminder that global uncertainty is here to stay. Trade tensions, fluctuating interest rates, and uneven economic growth have all played a part in shaping Canada’s financial landscape. The good news? Despite all the noise, there are solid, practical steps you can take to stay financially strong.
A Look Back at 2025
Inflation continued to cool through 2025, allowing the Bank of Canada to begin cautiously...
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RDSP Offers a Bonus
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You may have heard of the Registered Disability Savings Plan (RDSP) – one of the best financial tools available for Canadians who qualify for the Disability Tax Credit (DTC). Since its launch in 2008, the RDSP has helped thousands of people with disabilities save and grow their money with significant government support.
An RDSP is a special registered plan where you contribute after-tax dollars, and the investments grow tax-deferred. You can contribute up to $200,000 in your lifetime. Your contributions come out tax-free, while any investment growth and government funds are taxable...
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Don’t Bank on an Inheritance
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Many Baby Boomers have pinned their hopes on an inheritance to solve their financial challenges. Media reports often highlight the anticipated $1 trillion expected to transfer between generations over the next 10-15 years.
A recent HSBC report from March 2024 reveals that 39% of working and recently retired individuals are counting on some form of inheritance, with a median value of approximately $77,000.
However, relying on an inheritance can be...
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If you believe in yourself and have dedication and pride and never quit, you’ll be a winner. The price of victory is high, but so are the rewards.
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Bear Bryant
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Shayne McCosh provides investment advice and securities/products through McCosh Private Wealth of Aligned Capital Partners Inc. (ACPI). McCosh Private Wealth is a trade name of ACPI, a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF). Shayne McCosh provides financial planning services and is licensed for the sale of life insurance products and investment products. Shayne McCosh is registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the products purchased. Shayne McCosh will provide the name of the entity being represented when insurance/financial planning business is conducted. The sale of insurance/planning products is not the business of or under the supervision of ACPI, and ACPI will not be liable or responsible for such activities. All non-securities related business offered by McCosh Financial Consultants is not covered by the Canadian Investor Protection Fund (CIPF). Non-securities related business includes, without limitation, advising in or selling any type of insurance product, advising in or selling any type of mortgage service, estate and tax planning or tax return preparation.
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McCosh Financial Consultants
16 Lamport Court, Whitby, ON L1M 0B1
Ph: (905) 432-6568
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