Plain English, for real decisions.
Short guides to the questions people bring me most, written for Ontario and 2026 rules, grouped by the decision you’re facing. No jargon, and no sales pitch at the end of every paragraph.
Short guides you can read on your own.
- Nobody Builds Wealth AloneWhat an advisor really does, and why people who plan tend to end up further ahead. Free PDF.
- Money That Works While You SleepCompounding, and where the TFSA, RRSP, RESP and FHSA fit. Free PDF.
- Your Bills Don’t Get Sick DaysEmergency funds and the four layers that keep a household steady. Free PDF.
- Nobody Wants Life InsuranceWhat the different kinds of coverage are actually for. Free PDF.
Guides by situation
The 2026 numbers people ask about.
What’s the TFSA limit for 2026?
$7,000 of new room. If you’ve been eligible since 2009 and never contributed, your total room is $109,000.
What’s the RRSP limit for 2026?
18% of last year’s earned income, up to $33,810, plus any unused room. Your exact number is on your CRA Notice of Assessment.
What’s the FHSA limit?
$8,000 a year, up to $40,000 in your lifetime, for first-time home buyers.
How much is the RESP grant?
20% on the first $2,500 you contribute each year: $500 per child, up to $7,200 per child in total.
When does my RRSP have to become a RRIF?
By December 31 of the year you turn 71.
How much is Ontario’s probate tax?
Nothing on the first $50,000 of an estate, then $15 for every $1,000 above that: about 1.5%.
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