Alto, Chang and Associates Financial Management – Alto, Chang and Associates Financial Management

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Entries by Alto, Chang and Associates Financial Management

What Is Life Insurance and How Does It Work?

May 4, 2026 /0 Comments/in blog, Estate Planning, Family, life insurance /by Alto, Chang and Associates Financial Management

Life insurance doesn’t have to be confusing. Learn how it works, the difference between term and permanent coverage, and how to decide how much protection your family may need.

Tax Lines to Look Out For on Your 2025 Canadian Tax Return

April 1, 2026 in 2026, blog /by Alto, Chang and Associates Financial Management

The 2025 tax year brings a lower federal tax rate, higher contribution limits, and several eliminated credits. From the new Canada Disability Benefit to changes in CPP2 and capital gains rules, here are the key lines to watch when filing your 2025 Canadian tax return.

2026 Canada Money Facts

March 2, 2026 in 2026, blog, tax /by Alto, Chang and Associates Financial Management

2026 Canada Money Facts – Get the latest TFSA, RRSP, FHSA, CPP, OAS, and RESP limits. Stay informed on savings, pensions, and benefits for the year ahead!

B.C. Budget 2026: What It Means for You

February 19, 2026 in 2026, blog /by Alto, Chang and Associates Financial Management

The B.C. Budget 2026 introduces a lowest tax rate increase from 5.06% to 5.6% on the first $50,363 of income. PST will now apply to accounting, engineering, and strata fees. Property taxes are rising for luxury and rural homes. However, a new $6,000 disability benefit and doubled volunteer credit provide some relief.

Organizing Your Final Decade for Retirement

February 3, 2026 in 2026, blog, Government Budget, tax /by Alto, Chang and Associates Financial Management

Are you retirement-ready for 2026? Discover the specific math behind CPP and OAS benefits, the new tax-sheltered contribution limits, and why tax-exempt life insurance may be your missing ‘third bucket.’ Learn how to bridge the gap between government support and the lifestyle you’ve earned.

2026 Financial Calendar

January 3, 2026 in 2026, blog, Family, Financial Planning, personal finances, RRSP, tax, Tax Free Savings Account /by Alto, Chang and Associates Financial Management

Managing your finances effectively begins with staying informed about important dates and deadlines throughout the year. This comprehensive guide outlines key financial milestones, including tax deadlines, benefit payment schedules, and contribution opportunities, to help you stay organized and on track. Whether you’re planning for tax season, reviewing your investments, or ensuring timely payments, this calendar provides everything you need to navigate the year with confidence. Take a moment to familiarize yourself with these essential details and set yourself up for a smooth and successful 2026.

2025 Year-End Tax Tips and Strategies for Business Owners

December 2, 2025 in 2025, blog, business owners, Financial Planning, tax /by Alto, Chang and Associates Financial Management

As 2025 wraps up, it’s time for business owners to focus on smart year-end tax strategies. Learn how to manage cash flow, balance salary and dividends, and take advantage of deductions and credits before December 31.

2025 Personal Year End Tax Tips

December 1, 2025 in 2025, blog, Financial Planning, Individuals, tax /by Alto, Chang and Associates Financial Management

The end of 2025 is the perfect time to get organized and take advantage of key tax-saving opportunities. From RRSPs and TFSAs to family credits and student benefits, these practical year-end tips can help you save money and prepare for tax season with confidence.

2025 Federal Budget Highlights

November 5, 2025 in 2025, blog, business owners, Estate Planning, Family, Financial Planning, incorporated professionals, Individuals, Investment, mortgage, personal finances, Professional Corporations, Professionals, Retirees, Retirement, tax /by Alto, Chang and Associates Financial Management

The 2025 Federal Budget focuses on stability and long-term growth, with no new broad tax increases. Key updates include GST relief for first-time home buyers, new credits for caregivers, and expanded incentives for clean-tech and manufacturing investment. The budget also clarifies how the 21-year rule applies to trusts and delays the new bare-trust reporting requirements to 2026. Overall, the plan aims to balance fiscal discipline with practical support for Canadians and small businesses.

Buy-Sell Agreements for Dentists

November 3, 2025 in blog, business owners, Buy Sell, incorporated professionals, Insurance, Professionals /by Alto, Chang and Associates Financial Management

Setting up a dental buy-sell plan takes more than paperwork—it takes a team. Learn how your financial advisor, accountant, and lawyer each play a key role in protecting your practice and ensuring a smooth transition.