A new year means new opportunities! What are your financial goals for 2026?

Whether it’s saving for a home, investing in your future, or creating a solid plan for your family, Plan With Joy Financial Services Inc. is here to support you every step of the way.

Let’s make those resolutions a reality—reach out to start planning. Contact us today at 905-579-7890

#NewYearGoals #FinancialWellness #PlanWithJoy ... See MoreSee Less

Planning a getaway this winter? ✈️ 🧳 🌴 Don’t forget to pack peace of mind—travel insurance is your safety net for the unexpected!

Whether it’s a quick weekend escape or a long-awaited family vacation, travel insurance helps protect you from trip cancellations, medical emergencies, lost luggage, and more. We’ll help you find the right coverage so you can focus on making memories, not worrying about “what ifs.”

Ready to travel confidently? Purchase travel insurance right from our site! Go to 👉🏼 planwithjoy.ca

#TravelInsurance #PeaceOfMind #PlanWithJoy #TravelSmart ... See MoreSee Less

We’re excited to share that the Registered Disability Savings Plan (RDSP) will soon be available through Plan With Joy Financial Services!

What is an RDSP?
An RDSP is a government-supported savings program designed to help Canadians with disabilities (and their families) save for the future.

Why it matters:
🟡 Contributions can grow tax-deferred.
🟡 Eligible individuals may receive government grants and bonds to help their savings grow faster.
🟡 Funds can be used to support long-term financial security.

Stay tuned for more details on how we can help you (or someone you love) set up and make the most of an RDSP.

Have questions already? Reach out—we’d love to help! 📲 Call us at 905-579-7890

#PlanWithJoy #RDSP #FinancialPlanning #FutureSecurity #InclusiveFinance ... See MoreSee Less

Did you know you can borrow strategically to contribute to your RRSP or RESP and benefit from potential tax savings and government grants?

When done right, lending can be a tool—not a trap. Let’s explore the smartest options for your situation.

Contact us at info@planwithjoy.ca or 905-579-7890 today!

#PlanWithJoy #RRSPLoan #FinancialAdvisorToronto #FinancialAdvisor ... See MoreSee Less

Credit card companies will be waiting when you start school—tables in the halls, shiny perks, free swag. Before the offers roll in, know how to handle credit smartly so you’re ready to say yes (or no) with confidence.

Once you get a credit card:
⚠️ Always make at least the minimum payment – On time, every time.
⚠️ Keep balances below 60% of your limit – Lower is even better for your score.
⚠️ Use it wisely – Credit can open doors, but mismanaging it can close them fast.

A healthy credit score means better rates on loans, easier approvals, and more financial freedom in the future. Use it smart, and your future self will thank you!

#PlanWithJoy #CreditTips #StudentFinance #SmartMoneyMove #CreditCards ... See MoreSee Less