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Keep up to date with whatβs going on. You can browse timely and relevant posts that might be helpful to you. Check back regularly to see whatβs new.
What to Do With Extra Money - The Priority Framework
Got a bonus, tax refund, or extra cash? Here's exactly what to do with it.
Most people either blow it or freeze up trying to decide.
But there's a priority order: emergency fund first, high-interest debt second, employer matching third, then TFSA/RRSP contributions, then long-term investing.
Following a framework takes the guesswork out and helps your money work harder for you.
π Book an appointment to create a clear plan for your money:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Most people either blow it or freeze up trying to decide.
But there's a priority order: emergency fund first, high-interest debt second, employer matching third, then TFSA/RRSP contributions, then long-term investing.
Following a framework takes the guesswork out and helps your money work harder for you.
π Book an appointment to create a clear plan for your money:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Watch video
How Ontario's Progressive Tax System Works
Think your entire income gets taxed at your top rate? Wrong.
Ontario's progressive tax system taxes your income in layers. Your first dollars are taxed low, the next chunk higher, and so on.
Only income above each threshold gets taxed at that rate.
Your effective rate is lower than your marginal rate. Understanding this = smarter money decisions.
π Book an appointment to optimize your tax strategy:
https://advisor.sunlife.ca/cristian.tonon
FOLLOW me on IG π @cristian.tonon.sunlife
Ontario's progressive tax system taxes your income in layers. Your first dollars are taxed low, the next chunk higher, and so on.
Only income above each threshold gets taxed at that rate.
Your effective rate is lower than your marginal rate. Understanding this = smarter money decisions.
π Book an appointment to optimize your tax strategy:
https://advisor.sunlife.ca/cristian.tonon
FOLLOW me on IG π @cristian.tonon.sunlife
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Feeling the winter blahs? You're not alone. Thereβs still time to prioritize your mental wellbeing this winter. Many Sun Life plans offer coverage for mental health services. Let's discuss how your insurance can support you.
Feeling the winter blahs? You're not alone. Thereβs still time to prioritize your mental wellbeing this winter. Many Sun Life plans offer coverage for mental health services. Let's discuss how your insurance can support you.
Navigating life insurance options can be overwhelming. Whether finishing school, buying a first home or starting a family, finding the right plan that fits life's unique journey is essential.
We can help secure your future together. Let us know how we can help.
We can help secure your future together. Let us know how we can help.
Navigating life insurance options can be overwhelming. Whether finishing school, buying a first home or starting a family, finding the right plan that fits life's unique journey is essential.
We can help secure your future together. Let us know how we can help.
We can help secure your future together. Let us know how we can help.
The Financial Checklist for Couples Moving In Together
Moving in with your partner? Before you split the rent, you need to have the money talk.
How will you split expenses? Are your beneficiaries updated? Do you know each other's debts and financial goals? Joint accounts or separate?
Getting on the same page financially doesn't kill the romance β it protects it. When money stress is off the table, your relationship gets stronger.
π Book an appointment to navigate the money conversation together:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
How will you split expenses? Are your beneficiaries updated? Do you know each other's debts and financial goals? Joint accounts or separate?
Getting on the same page financially doesn't kill the romance β it protects it. When money stress is off the table, your relationship gets stronger.
π Book an appointment to navigate the money conversation together:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
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What is an FHSA and Why It's Important for First-Time Home Buyers
First-time home buyers: stop leaving money on the table.
The FHSA lets you save up to $8,000/year (max $40,000 lifetime) for your first home.
Contributions are tax-deductible. Withdrawals are tax-free. Growth is tax-free.
Double tax advantage. If you're buying a home, you need this account.
π Book an appointment to set up your FHSA:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
The FHSA lets you save up to $8,000/year (max $40,000 lifetime) for your first home.
Contributions are tax-deductible. Withdrawals are tax-free. Growth is tax-free.
Double tax advantage. If you're buying a home, you need this account.
π Book an appointment to set up your FHSA:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Watch video
TFSA Contribution Limit Update for 2026
The TFSA contribution limit for 2026 is $7,000 β and if you've never maxed it out, your total room could be over $95,000.
That's a massive opportunity for completely tax-free growth. But most Canadians either over-contribute and get penalized, or under-utilize one of the best wealth-building tools we have.
Know your limit. Use your room. Keep more money in your pocket.
π Book an appointment to maximize your TFSA strategy:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
That's a massive opportunity for completely tax-free growth. But most Canadians either over-contribute and get penalized, or under-utilize one of the best wealth-building tools we have.
Know your limit. Use your room. Keep more money in your pocket.
π Book an appointment to maximize your TFSA strategy:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Watch video
Why You Need a Will Even If You're Young
Think wills are just for old people? Wrong.
If you die without a will in Ontario, the government decides who gets your assets, who manages your affairs, and if you have kids β who raises them? No input from you.
A will, power of attorney, and guardianship plans aren't morbid. They're responsible.
If you have people who depend on you or kids you love, you need one.
π Book an appointment to protect the people you love:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
If you die without a will in Ontario, the government decides who gets your assets, who manages your affairs, and if you have kids β who raises them? No input from you.
A will, power of attorney, and guardianship plans aren't morbid. They're responsible.
If you have people who depend on you or kids you love, you need one.
π Book an appointment to protect the people you love:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Watch video
February is Heart Health Month. Heart disease affects 1 in 12 Canadian adults β a reminder of why protecting both your health and your financial wellbeing matters.
Critical illness insurance can help provide financial support when you need it most, helping you focus on recovery without the added stress of financial uncertainty. Find out more. Let's connect!
Critical illness insurance can help provide financial support when you need it most, helping you focus on recovery without the added stress of financial uncertainty. Find out more. Let's connect!
February is Heart Health Month. Heart disease affects 1 in 12 Canadian adults β a reminder of why protecting both your health and your financial wellbeing matters.
Critical illness insurance can help provide financial support when you need it most, helping you focus on recovery without the added stress of financial uncertainty. Find out more. Let's connect!
Critical illness insurance can help provide financial support when you need it most, helping you focus on recovery without the added stress of financial uncertainty. Find out more. Let's connect!
Time flies by, and tuition costs fly sky-high. π°οΈπΈ When it comes to education costs for your kid(s), it pays to start early and save consistently. Small RESP contributions can add up over time.
Want to explore how to optimize saving for your child(ren)βs education? Let's chat about creating a plan that fits your family's budget. https://advisor.sunlife.ca/cristian.tonon
Want to explore how to optimize saving for your child(ren)βs education? Let's chat about creating a plan that fits your family's budget. https://advisor.sunlife.ca/cristian.tonon
Time flies by, and tuition costs fly sky-high. π°οΈπΈ When it comes to education costs for your kid(s), it pays to start early and save consistently. Small RESP contributions can add up over time.
Want to explore how to optimize saving for your child(ren)βs education? Let's chat about creating a plan that fits your family's budget. https://advisor.sunlife.ca/cristian.tonon
Want to explore how to optimize saving for your child(ren)βs education? Let's chat about creating a plan that fits your family's budget. https://advisor.sunlife.ca/cristian.tonon
What Happens to Your RESP If Your Kid Doesn't Go to School?
The #1 fear holding parents back from opening an RESP: "What if my kid doesn't go to college or university?"
Here's the truth β RESPs are way more flexible than you think.
Your contributions are always yours. The grants go back if unused. But the growth?
You have options to transfer it to RRSPs, another child, or withdraw it.
You're not locked in. Don't let fear stop you from building education savings for your kids.
π Book an appointment to start your child's RESP:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Here's the truth β RESPs are way more flexible than you think.
Your contributions are always yours. The grants go back if unused. But the growth?
You have options to transfer it to RRSPs, another child, or withdraw it.
You're not locked in. Don't let fear stop you from building education savings for your kids.
π Book an appointment to start your child's RESP:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Watch video
Financial Moves to Make Before Having a Baby
Expecting a baby or thinking about starting a family? These three money moves are non-negotiable.
Get life insurance in place while you're healthy. Build or boost your emergency fund for unexpected costs.
Update your will and set up guardianship plans.
Parenthood is chaotic enough β your finances don't have to be. Protect your growing family before everything changes.
π Book an appointment to create your family protection plan:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Get life insurance in place while you're healthy. Build or boost your emergency fund for unexpected costs.
Update your will and set up guardianship plans.
Parenthood is chaotic enough β your finances don't have to be. Protect your growing family before everything changes.
π Book an appointment to create your family protection plan:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Watch video
The Biggest Mistake High-Earners Make with Their RRSP
High earners: stuffing money into your RRSP without a withdrawal strategy could cost you hundreds of thousands in retirement.
Saving for retirement is smart. But if you don't plan how you'll pull that money out, you could end up in a higher tax bracket, lose government benefits, and pay way more tax than you ever saved.
It's not just about deferring tax β it's about paying less tax overall. Strategy matters.
π Book an appointment to optimize your RRSP plan:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Saving for retirement is smart. But if you don't plan how you'll pull that money out, you could end up in a higher tax bracket, lose government benefits, and pay way more tax than you ever saved.
It's not just about deferring tax β it's about paying less tax overall. Strategy matters.
π Book an appointment to optimize your RRSP plan:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Watch video
The 'Invisible' Fees Eating Your Investment Returns
You could be losing tens of thousands of dollars to investment fees... without even noticing.
A 1.5% difference in fees might not sound like much, but over 25 years?
It could cost you $50,000 or more. That's life-changing money disappearing behind the scenes.
Understanding what you're paying β and why it matters β is one of the simplest ways to keep more of your hard-earned returns.
π Book an appointment to review what you're actually paying in fees:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
A 1.5% difference in fees might not sound like much, but over 25 years?
It could cost you $50,000 or more. That's life-changing money disappearing behind the scenes.
Understanding what you're paying β and why it matters β is one of the simplest ways to keep more of your hard-earned returns.
π Book an appointment to review what you're actually paying in fees:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Watch video
How are your health goals going? Remember, small steps can lead to big changes. Your insurance plan might offer resources to keep you on track. Let's review your coverage together.
How are your health goals going? Remember, small steps can lead to big changes. Your insurance plan might offer resources to keep you on track. Let's review your coverage together.
π±π Maximize your RESP contributions to take full advantage of government grants. Let's review your education savings strategy and help secure your child's academic future.
#EducationSavings #RESPTips
#EducationSavings #RESPTips
π±π Maximize your RESP contributions to take full advantage of government grants. Let's review your education savings strategy and help secure your child's academic future.
#EducationSavings #RESPTips
#EducationSavings #RESPTips
TFSA vs. RRSP - Which Should You Prioritize in Your 20s/30s?
TFSA or RRSP? The answer isn't one-size-fits-all β it depends on your income, goals, and timeline.
If you're building wealth in your 30s, knowing where to direct your money first could save you thousands in taxes and set you up for long-term success.
Tax-free growth? Immediate tax savings? Flexibility for a home purchase?
Let's figure out your priority.
Don't guess your way through this decision. Get it right from the start.
π Book an appointment to build your personalized savings strategy:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
If you're building wealth in your 30s, knowing where to direct your money first could save you thousands in taxes and set you up for long-term success.
Tax-free growth? Immediate tax savings? Flexibility for a home purchase?
Let's figure out your priority.
Don't guess your way through this decision. Get it right from the start.
π Book an appointment to build your personalized savings strategy:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Watch video
Why You Shouldn't Panic When the Market Drops
Market down 10%? Your brain screams "SELL!" but here's why you shouldn't.
Selling during a drop locks in your losses and turns a temporary dip into a permanent one.
Historically, markets have always recovered β and gone on to hit new highs.
Successful investors stay calm and stick to the plan.
Time in the market beats timing the market. Every. Single. Time.
π Book an appointment to build a strategy that keeps you confident through volatility:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Selling during a drop locks in your losses and turns a temporary dip into a permanent one.
Historically, markets have always recovered β and gone on to hit new highs.
Successful investors stay calm and stick to the plan.
Time in the market beats timing the market. Every. Single. Time.
π Book an appointment to build a strategy that keeps you confident through volatility:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
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Disability Insurance - The Coverage No One Thinks About
You insure your car, your phone, your home... but what about the income that pays for all of it?
Disability insurance protects your paycheck β the foundation of your entire financial life.
If illness or injury keeps you from working, it ensures your bills get paid and your family stays stable while you recover.
Most people are underinsured or relying solely on work coverage that might not be enough. Don't wait until it's too late to protect what matters most.
π Book an appointment to review your income protection:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Disability insurance protects your paycheck β the foundation of your entire financial life.
If illness or injury keeps you from working, it ensures your bills get paid and your family stays stable while you recover.
Most people are underinsured or relying solely on work coverage that might not be enough. Don't wait until it's too late to protect what matters most.
π Book an appointment to review your income protection:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG π @cristian.tonon.sunlife
Watch video
Tax season is approaching. Are you leveraging all available strategies to optimize your tax position? Let's review and explore your tax-efficient investment options.
https://advisor.sunlife.ca/cristian.tonon
https://advisor.sunlife.ca/cristian.tonon
Tax season is approaching. Are you leveraging all available strategies to optimize your tax position? Let's review and explore your tax-efficient investment options.
https://advisor.sunlife.ca/cristian.tonon
https://advisor.sunlife.ca/cristian.tonon
Have questions?
Here to help answer your questions, provide clarity about products and get you started on the road to achieving your goals.
We are contracted with Sun Life Financial Distributors (Canada) Inc., a member of the Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.