Vidal-Ribas Advisory Group

A TFSA is more than just a savings account — it can be a flexible, tax-efficient tool for reaching your financial goals. In this article, you’ll learn:

✔️ How TFSAs can support retirement planning

✔️ Ways to use a TFSA for major purchases and education

✔️ How TFSAs can complement RRSPs

✔️ Estate planning and family gifting considerations

Please visit our website to learn more or reach out to our team.

Effective ways to use your TFSA A Tax-Free Savings Account (TFSA) is one of the most powerful tools for growing your wealth in Canada—yet many people don’t use it to its full potential. Whether you’re saving for retirement, a big purchase, or simply want flexibility, a TFSA can help you reach your goals faster. Here’s how ...

An RESP is probably the most common education savings vehicle. Usually opened by a parent or grandparent, it’s designed to help save for the post-secondary education of a child, grandchild, or another beneficiary.

Although RESP contributions are not tax-deductible, they allow savings to compound and grow tax-efficiently until the beneficiary is ready for college or university.

Learn more from Scotia Wealth Management on our website.

Strategies to maximize education savings With the rising cost of post-secondary education in Canada, you may be wondering what’s the best contribution strategy when it comes to a Registered Education Savings Plan (RESP) and other savings vehicles. An RESP is probably the most common education savings vehicle. Usually opened by a parent o...

Canadian equities returned -0.02X%, steered largely by energy, with crude’s advance and subsequent retreat setting the sector tone, while July’s retail pullback and a firm August advance estimate left rate-hike pricing broadly unchanged.

Stay informed—Scotia Wealth Management’s latest market news is now on our website.

Market Watch A summary of the week’s important events and how they could impact the market. Market highlights Tech-led rally fades as U.S.-China summit disappoints Global bond selloff deepens on inflation and energy risk Economic highlights Canadian retail sales fall in July, but August advance estimate points...

Women’s health is receiving greater attention, but longstanding gaps in research, diagnosis and care continue to have consequences beyond health alone. In this episode of the Perspectives podcast, Dr. Sheila Wijayasinghe explores:

✔️ How historical gaps in medical research continue to shape women’s health outcomes

✔️ The connection between health challenges, career progression and financial well-being

✔️ Why greater workplace understanding and support matter

✔️ The importance of self-advocacy and seeking support for health concerns

Listen now: https://gracevidalribas.ca/perspectives-podcast-the-hidden-cost-of-overlooking-womens-health/

Perspectives podcast: The hidden cost of overlooking women’s health Women’s health is gaining attention, but gaps remain. Dr. Sheila Wijayasinghe explains why overlooked care impacts diagnoses, work, finances, and daily life. Women’s health is getting more attention now, but many women have spent years being told to push through symptoms that were misunderstood,...

In this edition of Here’s What We’re Thinking, we cover how these higher rates could affect both bonds and equities, alongside a discussion on the strength of the Canadian banking sector, the surge we’re seeing in China’s exports, the geopolitical implications of the U.S.-Venezuelan oil deal, and what this confluence of factors could mean for investment portfolios.

Stay informed—Scotia Wealth Management’s latest market news is now on our website.

Here’s what we’re thinking A concise summary of major market events, their impact on financial markets, and implications for investment strategy. As this week’s Fed interest rate hike has reinforced, we believe higher bond yields are here to stay, at least for the foreseeable future. In this edition of Here’s What We’re...

As life expectancy rises, it’s important to make sure you have enough saved to live your ideal retirement. Our team can help you build a Total Wealth Plan to focus on your immediate needs, goals for tomorrow, and future aspirations, no matter what life brings.

Visit our website to learn more. https://gracevidalribas.ca/total-wealth-approach/

In case you missed it: Canada’s counter-tariffs on the U.S. took effect last week, and while the Canadian economy has been surprisingly resilient to date, new risks have now emerged. How is Canada’s retaliatory action expected to impact the economy, which factors may help mitigate further escalation, and how may investors’ portfolios be impacted?

Read the full report on our website.

Canadian Counter-Tariffs – balancing retaliation and resilience Canada’s counter-tariffs on the U.S. took effect earlier today, and while the Canadian economy has been surprisingly resilient to date, new risks have now emerged. How is Canada’s retaliatory action expected to impact the economy, which factors may help mitigate further escalation, and how may i...

Canadian markets again trailed their southern neighbours down -2.56%, as Ottawa’s tariff response drew a swift and wider-reaching retaliation from Washington, leaving trade-exposed sectors to overwhelm any lift from firmer energy prices.

Stay informed—Scotia Wealth Management’s latest market news is now on our website.

Market Watch A summary of the week’s important events and how they could impact the market. This week’s highlights Trade war in full swing as oil keeps inflation worries front of mind Inflation data and a full issuance calendar push yields higher Trade tensions escalate as Canada and U.S. exchange retaliator...

Trade negotiations can move quickly, and some details have evolved since this report was published. But the broader questions remain highly relevant: How could continued Canada–U.S. trade uncertainty affect businesses, markets and investors?

This article examines the latest tariff measures within the broader CUSMA review process and highlights an enduring investment principle: amid changing headlines, diversification, quality and portfolio resilience remain important.

Tariffs, Tensions and Trade Talks: Assessing the Latest Escalations in the Negotiation Process The U.S. imposed additional 50% tariffs on approximately $20 billion of Canadian goods, from August 22nd. Canada has pledged to retaliate with its own trade measures two weeks from now, and Trump has threatened 50% duties on autos and parts, and steel on January 1st. Is the latest episode another de...

Canada’s counter-tariffs are now in effect, bringing new questions for inflation, economic growth and portfolio positioning.

Explore what the latest trade developments could mean for investors. Read the full article on our website.

Canadian Counter-Tariffs – balancing retaliation and resilience Canada’s counter-tariffs on the U.S. took effect earlier today, and while the Canadian economy has been surprisingly resilient to date, new risks have now emerged. How is Canada’s retaliatory action expected to impact the economy, which factors may help mitigate further escalation, and how may i...