Gerardo's Advice for Life

March 5th, by Gerardo Cappelli

little piles of coins with little house on top of one pile

One-Third of Canadians considering alternative home ownership models amid low affordability

It used to be when discussing housing affordability, the conversation was centred on larger cities like Toronto.  But now with surging population growth, higher interest rates and strained housing supply, high home prices are happening across the country.  Canadians still see the value in home ownership and would consider purchasing a home using an alternative model in the future.

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Asset Allocation - March

In February, the equities rallied again and the markets seem to have resilient economic growth.  However the data is confusing about whether the growth will continue, and inflation in the US and Canada do not seem to be alligned.  The CIO office thinks all this "fog" calls for modest deviations so has reduced bonds in favour of equities. 

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20 Things Great Bosses Have in Common

As you know, we have a new member, Michelle, on our team.  With this change, it is also a good time to take a look at how we run our practice, our processes and of course how my actions as a "boss" affect the team.  Some of these things like "be organized" is easy for me and other things like delegating tasks will come with time. 

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Tax Time

Just a reminder that companies have until March 31st to upload or mail out their tax slips.  If you have selected tax slips online. login at , select Documents and choose Tax Slips from the dropdown menu.

Not sure if you have received your slips yet?  Check out the mailing deadlines.  I have also attached the 2023 Tax Guide for description of tax slips and useful CRA Resources.




St. Patrick's Day and Easter are religous holidays but over time, in North America, celebrations have had less of a religious focus.  This is especially true for the parades that celebrate these holidays.  Even if I don't go to the parades, the energy they bring the community is always fun

St. Patrick's Parade / Easter Parade


Free Concert Series - Canadian Opera Company

I learn something new every time I look for events.  I will have to find time during the week to see if I can catch one of these free noon concert series.  Artists from around the world come to share their talent in the beautiful Four Seasons Centre.  I have attached information on dates and also a sampling from their website of past acts.

Concert Dates / Past Performances

National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA).

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