Gerardo's Advice for Life

March 2nd, 2023 by Gerardo Cappelli

piles of coins with a little orange wooden house perched on one of the piles

Coming Soon - Tax Free First Home Savings Account (FHSA)

This was in the federal governments December 2022 news release.  The FHSA will be a new tax free savings vehicle used towards purchasing your first home.  Future buyers will be able to save up to $40,000 on a tax free basis.  These plans should start to be available starting later this year

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Asset Allocation - March 2023

Currently we are in a period where a strong economy is not automatically good news and data points are often contradictory.  We had an optimistic start to the year but the second half of 2023 is becoming increasingly challenging.

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Toronto ranks 3rd most congested city in North America and how it is affecting traffic

Toronto is now 3rd most congested city in North America and 7th out of 1,000 cities around the world.  That explains why we also spend so many hours waiting in traffic.  With the increased construction of condos and the Ontario Line, traffic will only get worse.  Here are some of the worst traffic spots in Toronto.

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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 need any help to access your online account, you can email us at

You can take a look at NB's 2022 Tax and Investment Guide for mailing dates and descriptions of tax slips and useful CRA resources.





The Giant Maze - New Winter Maze Experience

This is Canada's largest winter maze pop-up experience!  It is made entirely of reusable wood spanning over 14,000 square ft.  There is one in Toronto at the Evergreen Brick Works and in Milton at the Country Heritage Park.  Both run until March 19th.  Included in the tickets are winter train rides, marshmallow fire pits, scavenger hunt and more.



Sugar Shack TO

How appropriate, Redpath Sugar is running this event at Sugar Beach in Toronto.  This is a free outdoor event featuring 2 sugar shacks serving Ontario maple taffy, a lumberjack show, live entertainment and maple infused foods.  This runs on March 11 and 12.

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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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