During this time of reflection, we wish you a season filled with fresh starts, sweet moments, and the joy of new possibilities—financially and personally.

Here's to growing your nest egg and enjoying every step of the journey. Happy Easter from Plan With Joy Financial Services 💛

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💝 Money talk doesn’t have to be awkward! Here are 3 tips for having honest, productive conversations with your partner about finances:

❶️ Set shared goals (e.g., saving for a house).
❷ Be transparent about income and expenses.
❸ Schedule regular “money check-ins.”

Want help creating a plan you both feel good about? Give us a call at 905-579-7890 – let’s chat!

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As we close out the first month of the new year, it is a perfect time to reflect, refocus, and realign with your financial goals. Financial wellness isn’t just about money—it’s about peace of mind, confidence in your future, and freedom to live the life you want.

From budgeting to retirement planning, let’s create a plan that aligns with YOUR goals. Try out our free budgeting, insurance estimator and loan assessment tools at planwithjoy.ca and get planning today!

For more assistance with mapping out your journey to financial success this year, contact us at 905-579-7890

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✨ New Year, New Limits! ✨

2025 is here, and so are updated savings opportunities! 🎉 As we welcome 2025, it's an ideal time to revisit and maximize your savings strategies. Here are the updated contribution limits for key Canadian savings accounts:

💰TFSA (Tax-Free Savings Account): Contribute up to $7,000 this year.

💰 FHSA (First Home Savings Account): Save for your first home by contributing up to $8,000 this year.

💰 RRSP (Registered Retirement Savings Plan): Max out your contributions—up to 18% of your income or $32,490 for 2025.

Let's start the year strong and make the most of these limits! Need help? I'm here to guide you. Contact me at 905-579-7890!

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Investing isn’t one-size-fits-all. Assess your risk tolerance and invest accordingly. Are you more conservative or do you prefer higher-risk, higher-reward options? Knowing this helps tailor your portfolio.

At Plan With Joy Financial Services we can help you assess your risk tolerance. Call us today to discuss 905-579-7890.

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Empower your financial journey with our online tools! From budget calculators to loan estimators, Plan With Joy Financial Services offers resources to help you make informed decisions.

Have you tried them yet? Visit our site today!
planwithjoy.ca/tools

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Your ability to earn an income is your greatest asset. Protect it with disability insurance. It ensures you have a steady income if you’re unable to work due to illness or injury. How are you safeguarding your income?

Call us today to discuss 905-579-7890 📞

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Creating a budget is the first step towards financial freedom. Track your expenses, prioritize your needs, and watch your savings grow. Start with a simple spreadsheet or use our budget tool on the Plan With Joy website: planwithjoy.ca/tools

How do you keep your spending in check?

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