REALnorth Opportunities Fund

Canada’s retirement landscape is entering a new phase. Beginning January 8, 2026, eligible retirees will see a major shift in their monthly income as higher Canada Pension Plan payments officially take effect. For many Canadians, this means the end of lower CPP rates and the start of a monthly pension of up to $1,760, reflecting Continue reading

Canada’s approach to retirement is quietly shifting. With longer life expectancy, rising living costs and changing work patterns, the traditional idea of retiring at one fixed age no longer fits everyone. In response, the federal system is increasingly built around flexibility rather than a single cutoff point. Today, Canadian seniors effectively have two federal retirement Continue reading

January is one of the most important months of the year for millions of Canadians who rely on government benefits. As household budgets reset after the holidays and winter expenses peak, several Canada Revenue Agency and federal benefit payments are scheduled to arrive by direct deposit throughout January 2025. From child benefits and senior payments Continue reading

As 2025 begins, many Canadians are closely watching their bank accounts for signs of additional financial support. One payment drawing attention is the CRA $680 one-time benefit, which is widely expected to be issued through direct deposit on January 8, 2025. While not part of a monthly benefit stream, this payment is being discussed as Continue reading

Canadian seniors will receive a significant financial boost at the start of 2026, as the Canada Revenue Agency has confirmed a one-time $2,200 direct deposit payment scheduled for January 7, 2026. The payment is designed to provide targeted cost-of-living relief for older Canadians facing continued pressure from rising housing, food, and healthcare costs. The $2,200 Continue reading

The Tax-Free Savings Account (TFSA) continues to be one of the most flexible and powerful tools for Canadians to save and invest. With annual contribution limits increasing periodically and investment options growing more diverse, having a solid TFSA withdrawal strategy is essential to maximize long-term financial growth. As we look toward 2026, understanding how withdrawals, Continue reading

Starting January 7, 2026, millions of Canadian seniors will see higher Old Age Security payments arrive in their bank accounts. After years of rising living costs, this increase marks an important shift for retirees who rely on OAS as a core source of monthly income. For many seniors, the adjustment means better support for housing, Continue reading

Starting January 6, 2026, senior drivers across Canada will see a major change in how driver’s licence renewals work. Automatic renewals based only on age and paperwork are being phased out. In their place, new mandatory driving assessments and testing requirements are being introduced for older drivers in several provinces, with more jurisdictions expected to Continue reading

For millions of Canadians who rely on government benefits to manage rising living costs, delays can be just as stressful as cuts. Over the past few years, late GST rebate payments have caused confusion and financial strain, especially for low- and modest-income households. That frustration may finally be easing. The Canada Revenue Agency is expected Continue reading