MIKE MCHARDY
CFP®, RRC 
Senior Financial Consultant
Investors Group Financial Services Inc.
About —
I am passionate, dedicated, and committed to being a resource for your financial security. What this means is that I show a genuine interest in helping you understand, evaluate, and implement effective debt management, wealth creation and management, retirement and estate planning solutions. The benefit is the clarity, confidence and capability you will have to protect and preserve your lifestyle, assets and the people you care most about.
A real financial plan
general inquiries —
391 First Street, Suite 102
Collingwood, ON L9Y 1B3
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Let’s talk —
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2024 Outlook: Are we heading into a recession or recovery? Why not both?
As we wave goodbye to 2023, we can also expect to bid adieu to some of the key events of the year that made it especially challenging for the markets. The central bank interest rate rises, which brought about a mini banking collapse early in the year, appear to have come to an end, while inflation is moving toward target levels.
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Should you invest for retirement or pay off your mortgage?
When interest rates are high, people often think it’s better to pay off their mortgage rather than save. But is it the right choice? We’ll help you decide.
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Will you need to delay your retirement?
Volatile markets and high inflation can make some Canadians feel they may have to delay their retirement. How can you avoid retiring later than planned?
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The RRSP deadline 2023: what you need to know
RRSP season is upon us once again, but what does it mean, exactly? And why does it matter?
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How do rising interest rates affect you?
Anyone with a variable rate mortgage in Canada understands the impact of rising interest rates. A rate hike can either cause borrowers’ debt payments to climb or reduce the amount of principal their mortgage payments pay off. Interest rate rises are caused when the Bank of Canada decides to increase its overnight rate, which is a short-term interest rate that factors into lending costs. Depending on the economic circumstances, interest rates can rise substantially over a year.
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Important dates to help you get ready for tax season
A list of tax-related dates, including when you can expect to receive various tax slips, as well as deadlines for RRSP contributions and tax filing.
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