Blog

Perspective on planning, tax, and building wealth.

Longer-form posts from Dr Sahej Karwar, separate from the Financial Education library. Educational only — not personalized advice.

Illustration of a solid protective brick wall with visible gaps between sections, representing employer group life insurance coverage with holes in it

2026-09-04 · Family Protection Planning

The Wall Has Gaps: What Your Employer's Life Insurance Doesn't Cover

Group life insurance through work is a real, strong benefit — but it has predictable gaps. A plain-language look at where those gaps are, backed by Canadian survey data, and how an advisor review helps close them.

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Illustration of a dashed border line between a Canadian maple leaf and U.S. stars motif, with tariff arrows crossing in both directions above a volatile market line

2026-08-29 · Trade Tensions & Markets

Canada–U.S. Trade War 2026: What the New Tariffs Are Actually Doing to Markets and Your Money

A plain-language look at the Canada-U.S. tariff standoff — what's actually in effect now, the real job and GDP numbers behind it, why markets have mostly shrugged it off, and what it means for your plan.

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Illustration of a family standing in front of a steady house roofline, with a level horizon line symbolizing an unchanged standard of living

2026-08-25 · Family Protection Planning

Life Insurance Isn't Just About Debt — It's About Keeping Your Family's Lifestyle Intact

Most people think life insurance just pays off debt. Its bigger job is making sure your family doesn't have to downgrade their home, routine, or future — using real Canadian cost-of-living numbers to show what that actually takes.

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2026-08-17 · Debt & Cash Flow Planning

Bad Debt in Canada: Why Interest Keeps You Stuck, and How to Actually Pay It Off

A plain-language look at why Canadian household debt just hit a record high, how interest and minimum payments quietly keep balances alive, and how to choose between the debt snowball and avalanche methods.

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2026-08-08 · Corporate & Business Wealth Planning

Corporate Insurance Isn't Just About Death — It's About Business Continuity

For incorporated professionals and business owners, corporate insurance is less about the worst-case scenario and more about protecting — and building on — the wealth already sitting inside the company.

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A warm illustration of a family of three holding hands, sheltered under a large umbrella, symbolizing life insurance protection and care

2026-08-07 · Family Protection Planning

The Importance of Life Insurance: A Way to Keep Taking Care of the People You Love

Life insurance isn't really about death — it's about making sure the people who depend on you are still taken care of, even if you're not there to do it yourself.

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Chart showing WTI crude oil prices swinging from $84.46 on July 30 to $79.55 on August 3, $80.00 on August 4, and $75.70 on August 5, 2026, alongside Canada's CPI at 2.8% and the Bank of Canada rate at 2.25%

2026-08-05 · Global Events & Inflation

How the Iran–US Conflict Could Affect Inflation in Canada

A plain-language look at how Iran-U.S. tensions move oil prices, what that's actually cost this past week, and what it means for inflation and your budget in Canada.

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