Ross Taylor Financial Corporation E-Newsletter February 2025

February 2025

True Costs of Financial Procrastination

Have you ever thought, "I’ll start saving next month" or "I’ll get serious about my financial strategy next year"? If so, you’re not alone.

Procrastination is something we’ve all been guilty of at some point. However, when it comes to your finances, the costs of waiting can be much higher than you think. Let’s explore three ways financial procrastination can quietly derail your dreams: buying a home, traveling the world, and enjoying a comfortable retirement.

Difficult House Transitions - Buying a home is a significant milestone, but financial procrastination can make the dream of homeownership feel like a distant mirage. If you delay...

Insurance Essentials for Small Business Owners

Starting a small business often begins with a great idea and a desire to build something meaningful.

For many owners, their business isn’t just a source of income–it’s how they provide for their families. But here’s the thing: most small businesses rely heavily on the health, skills, and vision of the owner or a key employee. If something were to happen to that person, the impact on the business, employees, and their families could be devastating.

Unfortunately, many business owners focus so much on reinvesting in their businesses that they overlook a crucial part of their financial strategy–protection against the unexpected. Without a plan for contingencies like illness, injury, or even death...

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The Retirement Dilemma: Part 2

In retirement, most people aim for financial security–but rising costs can make that harder than expected. Let’s talk about it.

Many seniors prefer to invest in "safe" options, but here’s the reality: your expenses don’t stay the same. Costs like hydro bills, property taxes, and healthcare typically climb year after year. So, what’s the plan? Either spend less, dip deeper into your savings, or find a balance between the two.

The big challenge? Making sure you don’t outlive your money!

Tightening the Belt - Cutting back can help, but only to a point. Downsizing your...

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This newsletter was written and produced by AdvisorNet Communications Inc. and is information provided for your convenience only, and is not an endorsement of any product or information provided by any other party. Your financial security advisor makes no representation, warranty, or guarantee of the information offered. Consult a professional before investing in, or buying any financial product. Any indicated rate of return is for illustration purposes only and is not intended to reflect future values of returns on investment. Any amount allocated to a mutual fund or a segregated fund is at the risk of the contract holder and may increase or decrease as it is not guaranteed. Borrowing to invest can magnify the risk of investing. You should not act on, or make any decision based on any information in this publication, as it is meant for general purposes only and it may not accurately apply to your specific circumstances, nor should it be applied as professional advice for the reader. References in this publication to third-party goods or services or trademark names are not endorsements. The publisher and any other party presenting this material to the reader do not guarantee the accuracy and will not be held liable in any way for any errors or omissions, including statements or statistics in this publication, though we seek to present information based on material believed to be precise, reliable, and complete. Quadrus, Quadrus and design, Quadrus Investment Services Ltd. and design, Quadrus Group of Funds are trademarks of Quadrus Investment Services Ltd. used with permission.

Ross Taylor Financial Corporation
4725 Dorchester Road, Unit B3, Niagara Falls, ON L2E 0A8
Ph: (905) 374-9550