Arca Financial Group
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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Arca Financial Group, Financial service, 237 Labrador Drive, Waterloo, ON.
๐ง๐ฎ๐
๐๐ฒ๐ฎ๐๐ผ๐ป ๐ฑ๐ผ๐ฒ๐๐ปโ๐ ๐๐๐ฎ๐ฟ๐ ๐ถ๐ป ๐๐ฝ๐ฟ๐ถ๐น, ๐ถ๐ ๐๐๐ฎ๐ฟ๐๐ ๐ป๐ผ๐.
By the time youโre filing, most of the best planning opportunities are already gone.
Thomas Lunz, shares five proactive year-end strategies for high-net-worth families:
โ
Review your income mix (salary vs. dividends).
โ
Harvest tax losses strategically.
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Maximize registered plans (RRSP, TFSA, RESP, FHSA).
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Consider charitable giving with embedded gains.
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Review family income structures for compliance and efficiency.
Thomas helps families tie together personal, corporate, and estate planning well before year-end, because smart tax planning isnโt about scrambling in April, itโs about being intentional now.
If you would like to explore strategies tailored to your family, ๐ฏ๐ผ๐ผ๐ธ ๐ฎ ๐ฐ๐ผ๐ป๐๐ฒ๐ฟ๐๐ฎ๐๐ถ๐ผ๐ป ๐ต๐ฒ๐ฟ๐ฒ: https://bit.ly/48t9EU9
One of the most common questions I get from business owners:
๐ฆ๐ต๐ผ๐๐น๐ฑ ๐ ๐ฝ๐ฎ๐ ๐บ๐๐๐ฒ๐น๐ณ ๐ฎ ๐๐ฎ๐น๐ฎ๐ฟ๐ ๐ผ๐ฟ ๐๐ฎ๐ธ๐ฒ ๐ฑ๐ถ๐๐ถ๐ฑ๐ฒ๐ป๐ฑ๐?
The truth is, there is no one-size-fits-all answer, but there are key differences every incorporated owner should know.
๐ผ Salary gives you structure.
๐ฐ Dividends give you flexibility.
Most owners use a mix of both. Salary for stability and dividends for efficiency.
Thomas Lunz, at Arca Financial Group, helps families balance personal income, tax efficiency, and long-term planning before the year wraps up.
Want a quick year-end checkup to make sure youโre on the right track? Book a conversation with Thomas here: https://bit.ly/4nU6NsV
11/11/2025
Today, we pause to remember the courage, sacrifice, and selflessness of those who served and continue to serve. Their legacy reminds us that true strength lies in service and community.
Lest we forget.
11/06/2025
Spooky season was in full swing at the office last week! ๐ป
From creative costumes to too many treats, our team definitely got into the Halloween spirit. At the heart of it all was what makes our team special, the family values that bring us together, in and out of costume.
10/31/2025
The only thing scarier than ghosts this Halloween?๐ป Not having a plan for your familyโs financial future.
Letโs make sure your legacy doesnโt disappear into the night.
10/13/2025
Family has always been at the heart of what we do.
We are thankful for the families we have had the privilege to walk alongside through milestones, transitions, and new beginnings.
From our family to yours, Happy Thanksgiving ๐งก
๐๐โ๐ ๐ป๐ผ๐ ๐ฎ๐ฏ๐ผ๐๐ ๐๐ต๐ฎ๐ ๐๐ผ๐ ๐บ๐ฎ๐ธ๐ฒ, ๐ถ๐โ๐ ๐ฎ๐ฏ๐ผ๐๐ ๐๐ต๐ฎ๐ ๐๐ผ๐ ๐ธ๐ฒ๐ฒ๐ฝ.
Too often, investors focus only on returns and ask questions like:
โDid I beat the market?โ
โCan I squeeze out another percent?โ
But if taxes and fees are eating away at those gains, youโre just running on a treadmill.
Thomas Lunz, CIM, Wealth Advisor at Arca Financial Group, helps clients think beyond just returns, because true wealth isnโt about chasing the market, itโs about being intentional, integrated, and tax-smart.
If youโre ready to align your wealth with what truly matters, book a conversation with Thomas here: https://bit.ly/4pP4F7Y
09/30/2025
Last week, Arca team members joined fellow Partners Wiegers Financial & Benefits, Walker Family Financial, MNK Financial from Quintessence Wealth at the Barrington Wealth Partners Inc. NextGen Conference, hosted by BMO Insurance in Montreal.
With so many next-generation partners in the Q Wealth family, the event was a strong reminder of the staying power of our network and the importance of preparing for succession in family businesses. The younger wealth advisors within Q Wealth is reshaping perceptions, showing that trusted wealth advice isnโt just for later in life, and that the next generation of advisors is already bringing fresh perspective, innovation, and long-term commitment to clients.
A special thank you to BMO Insurance for their hospitality and to Barrington Wealth Partners for providing a platform to share ideas and elevate the future of our industry.
A financial plan isnโt about the money, itโs about what the money makes possible.
Thomas Lunz believes true planning doesnโt start with numbers, it starts with life. What keeps you up at night? What legacy do you want to leave? What matters most?
If youโre looking for more than just a numbers guy, book a conversation with Thomas: https://bit.ly/42FZQnu
09/12/2025
John and Thomas had a fantastic time at Future Proof this past week! The Canadian "Great White North" Lounge was the perfect place to reconnect with fellow Partners from Q Wealth and share fresh perspectives.
We came back with valuable insights on industry trends and strategies that will help us deliver even more meaningful outcomes for our clients, and weโre already looking forward to continuing those conversations next year!
Family is at the heart of everything we do, because Arca Financial Group was founded as a family firm. Thomas Lunz, CIM understands that your business isnโt just numbers on a page, itโs your legacy, your values, and your future.
Thatโs why we build real relationships with the families we serve, offering guidance from a place of shared experience.
If you want a partner who truly gets the unique journey of a family business, letโs start the conversation: https://bit.ly/4fUVBtT
02/19/2024
Home is where the heart is. ๐ And our hearts are full of love for family today and every day. Happy Family Day!
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237 Labrador Drive
Waterloo, ON
N2K4M8