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Quick reminder, we have 2 weeks to add to our RRSP to have it count for 2020 tax year. If you are working and need to top up your RRSP, consider this:

-At income level of $50,000, you will get around a 25% return on your money, in form of tax refund. So for a $10,000 RRSP contribution, you will get around $2,500 tax refund.

-Investments in your RRSP grow tax free.

-That refund is another way to create additional income that you would not otherwise have.

DEADLINE is MARCH 1st, so if you wish to top up your RRSP, please let us know, or use this link to book a quick phone chat with me. BOOK A PHONE CONVERSATION TO TOP UP YOUR RRSP

As we begin a new year, it is always good to reflect on the following:

  1. Your 2021 money goals

  2. Ensure all financial items are addressed and you are moving towards your money objectives

  3. To get an update on what to expect economically and from the markets for the year

Here is how we are here to assist you in addressing all of the 3 items:

1. We have created a 10 point Financial Health Check Questionnaire (see below to DOWNLOAD ) that you can use to ensure all your money areas are in order. I usually review all those areas with you all during our meetings, but this is a self review tool you can use and if you wish you can share with others.

10 Point Health Check List
Download PDF • 171KB

2. If we have not meet recently, either myself or Maria will be reaching out to you to set up your review meeting.

3. And CLICK HERE to hear market comments from one of our key partners, David Fingold from Dynamic.

As I mentioned earlier, we have worked hard in 2020 to add value to you all and your families and to continue to fulfill on our mission, to not only educate but help all of you create and reach your money goal. We are looking forward to a year filled with possibilities of growth and contribution.

If you have any questions how the information above relates to you and your situation, please contact us to book a complimentary consultation at

Giving back to our communities, the less fortunate and making a massive positive impact on this world are the founding principles of Simplicity Financial. Through our education work, we aim to empower families to gain control over their financial well being. We have delivered our courses to number of charitable organization such as The Rotary Club and Rosalie Hall and moving forward we stand committed to amplify our empowerment efforts. In 2021 we have the lofty goal to create and deliver education curriculum to marginalized youth through our affiliation with like minded professionals.

Ongoingly, we donate part of our profits to local charities such as Daily Food Bank and have supported World Vision and The Covenant House and stand committed to continue those efforts. Lastly, we as a firm we do take on a select number of pro-bono cases annually. We are looking at expanding this and hoping to be able to set up an ongoing weekly financial advice walk in clinic.

For our clients, we have access to philanthropic solutions. As an example, through our partnership with Mackenzie Financial we can help our client structure a giving a part of their overall financial plan. A simple and convenient solution, the Mackenzie Structured Charitable giving program combines immediate tax benefits with the ability to support your favourite charities now and into the future.

To find out how you can structure that for your family, please reach out to us at

Third party publications are not prepared or approved by Keybase Financial Group Inc.  The opinions, estimates and projections contained in the publication are those of the author as of the date indicated and are subject to change without notice.  Keybase Financial Group Inc. makes no representation or warranty, express or implied, in respect thereof, takes no responsibility for any loss arising from any use of or reliance on the report or its contents.  The provision of this publication is not to be construed as an offer to sell or  a solicitation for or an offer to buy any securities.

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