T. Tuff - Financial Advisor

T. Tuff - Financial Advisor

Providing my clients with exceptional service, and access to a comprehensive network of distinguished financial professionals

I'm tired of seeing and hearing about the various inappropriate practices that happen in the financial services industry. How do you know who to trust? Is it safe to trust anybody in a sales-driven world? Is the advice that you get from your advisor the same advice he/she gives everybody? Why is it so hard to get honest, personalised advice without paying way too much money, or worrying that smooth-talking agent or broker is recommending things you don't need? I created this page to provide a safe place to get simple, honest, no bull advice from somebody on the inside (for free!).


Investment losses and your retirement plan

Market losses happen. But successfully growing your wealth means investing over the long term, and not being afraid of short-term dips.

sunlife.ca Market losses happen. Successful investing and retirement planning mean not letting what experts call loss aversion prevent long-term asset growth.


4 guaranteed investment products you should know about

Canadians are living longer than ever before. But will our savings last as long as we do? Here are 4 guaranteed investment products you might want to consider.

sunlife.ca Thanks to good nutrition and medical advances, Canadians are living longer than ever before. But will our savings last as long as we do?


What’s safe in pregnancy?

Confused about constantly changing information about what’s safe in pregnancy? Here’s what health authorities are saying now.

sunlife.ca Confused about constantly changing information about what’s safe in pregnancy? Here’s what health authorities are saying now.



When you think about insurance, remember all of the members of your family. There’s long-term value in insuring your child’s life and health today.



Millennials not giving up on the detached-home dream, despite soaring record-high prices

Are you a millennial with dreams of owning a detached home despite rising costs? You’re not alone.

business.financialpost.com Part of what also drives them is this idea that real estate will always be a good investment, new data suggests


Britain votes to leave the EU

How will Britain's vote to leave the EU affect markets? Avoid getting caught up in too much speculation.

sunlifeglobalinvestments.com Sun Life Global Investments brings together the strength of one of Canada’s most trusted names in financial services, Sun Life Financial, with some of the best asset managers from around the world to offer a lineup of innovative, world-class investment solutions.

Video: 'A bigger wedding will not make you more married': Tips to keep wedding costs down

Did you know the average Canadian wedding costs $30,000? Here’s how to keep the costs down!

Personal finance blogger Bridget Eastgaarde offers real life advice for keeping wedding costs down


Should you repay student debt or save for a down payment?

Down payment on a house, or pay off your student debt? Here are 6 questions to ask yourself before deciding.

theglobeandmail.com Many recent college or university graduates are struggling to balance debt repayment and saving for a home. They can afford one or the other, but not both.


Are you entitled to a tax refund for your medical expenses?

Have medical expenses? Learn more about the little-known tax refunds that may be applicable to you and your family.

sunlife.ca I was surprised to learn following my son’s accident that I could claim a portion of both his health expenses and of our health insurance premiums on my tax return.


Three things the CRA has done to streamline this year's income tax filing process

Have you filed your taxes yet? Here are 3 ways the CRA has streamlined the process.

business.financialpost.com An auto-fill service on tax forms, a simplified notice assessment and an easier way to update addresses are among the new measures adopted by the CRA


Three ways to pay off your mortgage faster

Want to pay off your mortgage sooner? Here are 3 ways to increase payment amounts without changing your lifestyle.

theglobeandmail.com But check the fine print to make sure being money-wise will not result in penalties


Travelling abroad? The cost of getting cash through your credit card

Are you planning to travel abroad? Here is the real cost of getting a cash advance through your credit card when out of the country.

theglobeandmail.com In this video, Preet Banerjee breaks down some of the common fees, namely the foreign ABM cash advance fee and a separate foreign exchange fee


Liberals to restore Old Age Security eligibility to 65

The government recently announced old age security will be restored back to 65 from the intended switch to 67. Have you considered how this may affect your retirement?

theglobeandmail.com Prime Minister says change will be in next week’s budget


How to decode the nutrition label

Confused by nutrition labels and claims? Here's how to read between the lines.

sunlife.ca March 15, 2016 How to decode the nutrition label By Paula Kehoe "Low-fat" yogurt. "Whole-grain" bread. "Reduced-sodium" soup. "Low-cholesterol" cooking oil. Confused by nutrition labels and claims? Here's how to read between the lines. The average grocery store sells more than 20,000 products. With…


Pets thrown a bone in family wills

More and more Canadians are including their four-legged friends as part of their estate planning. Whether you choose too or not, having a proper will in place is important.

theglobeandmail.com An increasing number of Canadians are mapping out custody and care provisions for their furry friends


Life expectancy calculator

Life expectancies are increasing. How long will your retirement funds need to last? Try this handy calculator to find out.

sunlife.ca Sun Life Financial can help you build and protect your savings with investment products, life insurance, health insurance, and financial advice.


5 Domestic Destinations Trending With Canadian Travellers

Domestic travel is an economic choice for many Canadians; here’s some top trending destinations!

huffingtonpost.ca With the 150th birthday of Canada on the horizon and the buying power of the loonie stronger at home than many other places, domestic travel has moved up the agenda for many Canadians. And given the diversity of the country's almost 10 million square kilometres, there is certainly no shortage of pla…


Are you a smart saver? (Quiz)

It can be tricky when deciding to invest through your TFSA or RRSP. Here's a little quiz on the differences!

sunlife.ca Think you’re a savvy saver? Test your TFSA and RRSP knowledge with these 7 questions.


Build it up, draw it down: Why it's such a struggle to save an emergency fund

Are you constantly dipping into your emergency fund? Here are some tips to help you manage your budget.

business.financialpost.com Saving an emergency fund is a top goal for milennials. Here are four tips to help you build (and then maintain) a rainy day fund


Highlights of the 2016 Ontario budget | Toronto Star

The 2016 Ontario budget delivers many surprising but impactful changes, specifically for low income students eligible for free tuition.

thestar.com A $133.9-billion spending plan with a $4.3 billion deficit – the provincial debt is $296.1 billion.


13 most romantic cities in the world

Looking for new travel ideas? Here are 13 of the most romantic cities in the world!

canadianliving.com Add a little romance back into your life with a trip to one of these stunning cities.


Five things you need to know about your RRSP as this year’s deadline approaches

With the contribution deadline only 4 days away, here's one last post of 5 quick points to keep in mind for RRSPs!

business.financialpost.com Recent volatility on the markets has bruised RRSP investments. As the February 29 deadline for contributions looms, here are five things you should know about RRSPs


Canadian retirees living on only 62 per cent of working income, Sun Life study finds

A new survey says Canadian retirees are living on 62 % of what they previously earned during employment. Will you have enough to retire?

business.financialpost.com Most retirees are living comfortably on 62% of their previous incomes and a third are surprised at how easy it is

Make Your Home's Most Valuable Room Worth Even More

Want to add value to your home but don't know where to start? Watch how you can get the most bang for your buck!

Home Improvement: Want to add value to your home but don't know where to start? Scott McGillivray has an idea of where to start and a few tips to give it the most bang for your buck.


Simple LIfestyle And Nutrition Changes Can Help Treat Diabetes

Do you know someone affected by diabetes? Here are some simple lifestyle and nutritional changes that could help.

huffingtonpost.ca Two recently released reports have revealed that Canada has one of the highest rates of Type 2 diabetes among 34 developed countries. Estimates suggest that more than three million Canadians struggle with this disease, and a further 5.7 million have pre-diabetes which could develop into the full-blo…


Why you shouldn't risk over-contributing to your TFSA

The TFSA changes seem to cause confusion. Are you aware of the rollback to $5,500 for 2016?

business.financialpost.com If you're hoping to make a $10,000 TFSA contribution this year before the law officially changes, beware: The lower limit will be retroactive to Jan. 1, and there are penalties for over-contributing


TFSA or RRSP? How to choose

Choosing between a TFSA and RRSP come tax time can be a difficult decision - the personal benefits aren’t always clear. Learn which savings plan is right for you.

sunlife.ca The math is simple. Tax timing based on your financial situation and discipline will help you decide whether to save your money in a TFSA or an RRSP.


10 Travel Destinations To Stretch Your Sad Canadian Dollar

Planning your next big trip for 2016? Here are 10 budget-friendly destinations!

huffingtonpost.ca Our loonie may not be doing well, but there are still options, adventure seekers.


2016 Tax Hacks To Help You Save Money, Time And Stress

Are you prepared for tax season? Here are 4 tax hacks that could help you save this year!

huffingtonpost.ca It's February, folks, and you know what that means. Taxes... Yeah, yeah, Groundhog Day, Valentine's Day, 2016 leap year and all that. But it's also the time of year when people wake up to the fact that, oh crap, tax deadlines are looming, and that they better get their act together to reduce their t…

Chris Hadfield’s Tips For Tackling Life Head On

Chris Hadfield says a key component to visualizing success is the ability to visualize failure. Check out this 2 minutes to transform video to learn more!

Motivation: Retired astronaut Chris Hadfield says a key component to visualizing success means you've got to be able to visualize failure.

The 4 Assets Vital To A Smooth Retirement

Planning on an easy retirement? You’ll want to check your asset inventory in these 4 categories.

If you're planning on an easy retirement you'll want to check your asset inventory in these four categories.

Dealing With a ‘Crazy Busy' Life

Feeling overwhelmed and overworked? Take a look at this quick video with tips that can help!

Feeling overwhelmed and overworked? Leadership coach Eileen Chadnick has a few tips on how to cope.


Annuity Calculator

Looking for guaranteed retirement income payments to last as long as you live? This tool will give you an estimate of your guaranteed retirement income with an annuity

sunlife.ca Use our annuity calculator to find out how much retirement income you can get from a life annuity and see how it compares to income from a GIC or RRIF.


9 Delicious Recipes Made With Healthy Fats | LIVESTRONG.COM

Not all fats are bad; here are 9 delicious recipes that use heathy fats!

livestrong.com When it comes to fat, quality matters even more than quantity. Since fat is something all bodies need -- especially our brains -- cooking with healthy fats is a simple way to ensure proper nutrition. The bonus: Fat makes food taste better! The three healthy fats that I use are grass-fed cultured but…


Everything you wanted to know about RRSPs: A first-timer's guide

The RRSP contribution deadline is just around the corner - here’s how an RRSP works and can help you! Are you using an RRSP to lower your taxable income?

business.financialpost.com From where they came from to how they work — and whether they're right for you — columnist Jonathan Chevreau walks you through the details of the registered retirement savings plan


Weather the dead of winter with healthy eating

After just getting over a nasty stomach bug, this topic is definitely fresh on my mind..

Stay healthy, all!

If you’re tempted to fight the cold with carbs and fat, try these healthy recipes instead. How are you managing to stay warm this winter?


sunlife.ca If you’re tempted to fight the cold with carbs and fat (hello, chocolate-chip muffins), try these healthy recipes instead.


Interesting exercise in choosing investments.. Watch that variability!


[01/22/16]   Sorry for the name change everyone, there are tight regulations on what you can and can't call yourself in the financial industry!

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120 King St W
Hamilton, ON
L8P 4V2

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Derek A. Hebb, Investment Advisor, CIBC Wood Gundy Derek A. Hebb, Investment Advisor, CIBC Wood Gundy
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Following in-depth discussions, we work as a team to develop a comprehensive wealth solution that allows us to manage your wealth with confidence.

George Street Law Group LLP George Street Law Group LLP
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Hamilton, L8P 1C8

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Christian School Foundation Christian School Foundation
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Confused by terms such as estate planning, planned giving or tax-efficient gift planning? Visit www.christianschoolfoundation.ca

Estate-help.ca Estate-help.ca
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Hamilton, L8V1A9

Estate Administration Services

Sun Life Financial Sun Life Financial
120 King Street West, Suite 1100
Hamilton, L8P 4V2

I am a Financial Advisor who is active in his community coaching Westdale Highschool and working with the local charity Food4kids

Knights of Columbus Insurance - Bouvier Agency Knights of Columbus Insurance - Bouvier Agency
393 Rymal Rd W, Suite #204
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Century Estate Services Century Estate Services
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Century Estate Services provides personal property valuation for estate, probate or insurance; estate sales, and monthly auctions.