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Family Wealth Class2026-09-17Canada is reconnecting with the world. Should you revisit your asset allocation?As Canada seeks a wider economic network, households may want to revisit the reasons behind their assets, liabilities and cash-flow choices.Read Guaranti Perspective2026-09-16Rate changes affect more than a mortgage paymentFrom borrowing costs and investment returns to the household balance sheet, interest rates affect far more than a monthly mortgage payment.Read Guaranti Briefing2026-09-15The Bank of Canada Sets Short-Term Rates—but Fixed Mortgages Follow the Bond MarketA Bank of Canada hold does not necessarily mean fixed mortgage rates will remain unchanged. Variable mortgages primarily follow the policy rate, while fixed mortgages are influenced more by bond yields, U.S. inflation and global rate expectations.Read Guaranti Perspective2026-09-15The Bank of Canada Holds Rates—What Does It Mean for Your Mortgage?Devinder Dhaliwal shares his perspective on the Bank of Canada’s latest rate decision and the factors borrowers may want to keep in mind when planning their next step. Mortgage choices should be assessed alongside personal cash flow, term preferences and future plans. This video is in English with Chinese and English subtitles.Read Guaranti Perspective2026-09-11When investing in stocks, protect both your capital and your relationshipsVicky Rong explains why stock investing is not only about potential returns, but also about understanding risk and maintaining clear decision-making boundaries. When discussing investments with friends or family, separating shared information from personal decisions can also help protect relationships. This video is in Mandarin with Simplified Chinese and English subtitles.Read Wealth Planning2026-09-11Pay down the mortgage early? High-income families may want to run the numbersThere is nothing wrong with paying off a mortgage early. For households with stable income and substantial home equity, the larger question is whether every asset and liability has a clear purpose.Read Wealth Planning2026-09-10Why can the tax outcome change when corporate wealth moves into the family?The same corporate wealth can carry different tax attributes and outcomes depending on how it moves into the family.Read Events & Talks2026-09-09Guaranti Group Returns to AWC Vancouver 2026 as a Special SponsorMeet the Guaranti team at four booths and join three afternoon sessions spanning corporate planning, wealth strategy and U.S. markets.Read Guaranti Briefing2026-09-08Canadians still feel secure at work—but expect less from home pricesCanadians remain relatively confident about their jobs, yet expectations for home prices and the economy are weakening. This “income without optimism” backdrop is a reminder to review cash flow, mortgage costs, reserves and future borrowing capacity together.Read Family Wealth Class2026-09-04How do people lose money to scams?Three real experiences from people around us. The danger is not always an elaborate scam. Sometimes it is the moment when everything seems perfectly normal.Read Guaranti Perspective2026-09-03If a presale fails after prices fall, how much can the developer claim?When a presale does not complete, a dispute may involve more than the deposit, including a later resale shortfall and other contractual obligations. Whether a claim applies and how it is calculated depend on the contract and facts. This video is an excerpt from Vivian’s Cantonese seminar and provides general legal information only, not legal advice.Read Property Financing2026-09-03Bought for $1 million—why is today's appraisal only $900,000?The contract price and today's lender appraisal are not the same thing. An appraisal gap may affect both the mortgage and the cash required at closing.Read Guaranti Perspective2026-09-02Can a developer forfeit my deposit during litigation?Entering litigation does not create a single automatic outcome for a presale deposit. The contract terms, claims being advanced and facts of the case all matter. This video is an excerpt from Vivian’s Cantonese seminar and provides general legal information only, not legal advice.Read Events & Talks2026-09-02Growing by Giving Back: Gayla's Volunteer Journey with Light and Love HomeA volunteer journey through Indonesia and Malaysia showed how growth can begin by stepping beyond what is familiar and choosing to give back.Read Guaranti Perspective2026-09-01Problems before presale closing? Seek professional guidance earlyFunding, appraisal and contract issues before presale closing can create different choices in every case. Understanding the situation early and coordinating the right professionals can preserve more room for the next steps. This video is an excerpt from Elvis’s Cantonese seminar.Read Guaranti Briefing2026-09-01A September 2 Rate Cut Looks Unlikely — The Real Risk Is Still WaitingMarkets broadly expect the Bank of Canada to hold on September 2. For households, the more useful question is whether cash flow can withstand rates staying higher for longer.Read Events & Talks2026-08-31A Weekend of Connection: Guaranti Group Strengthens Business & Community RelationshipsTwo gatherings across business and community reinforced a simple idea: meaningful opportunities often begin with a genuine conversation.Read Guaranti Perspective2026-08-28Can a lender still use the original price after property values fall?At presale completion, a lender may not rely only on current market sale prices; some projects may use a blanket appraisal as part of the mortgage review. Whether it applies depends on the project, lender policy and the borrower’s file. This video is in Cantonese with Traditional Chinese and English subtitles.Read Guaranti Perspective2026-08-28Before deciding whether to close, know your optionsBefore a presale closes, the market, appraisal, financing and funding picture may all have changed. Understanding your options and actual funding position first can lead to a more informed decision.Read Wealth Planning2026-08-28Why can’t you simply take money out of your company?There is an important planning step between corporate wealth and family wealth.Read Wealth Planning2026-08-27How does company wealth become personal wealth?Corporate wealth and personal wealth are not the same pool of money. A Capital Dividend Account (CDA) is one possible bridge, but long-term planning should consider the company structure, applicable tax rules and family goals together.Read Guaranti Perspective2026-08-27Are your funds ready for presale closing?Having the deposit ready does not mean every dollar needed for closing is in place. The appraisal, final mortgage amount, closing costs and any funding gap should be reviewed together before completion.Read Guaranti Briefing2026-08-25Why Are Fixed Rates Rising Before the Central Bank Acts?Fixed mortgage rates do not move on the policy rate alone; bond yields and market expectations can move them first.Read Property Financing2026-08-26How does a bank really assess your mortgage application?A mortgage application is assessed as a whole. Income, debt, credit, down payment and the property all shape the lender's view of risk.Read Guaranti Perspective2026-08-20Small Business Financing: Is There a Second Option?When conventional bank financing does not fit a company’s current needs, exploring other compliant channels can clarify the available choices. Each option has different conditions and should be considered in the context of the business’s cash flow and stage of growth.Read Guaranti Perspective2026-08-20Insurance Can Be Your Financial FirewallThe value of insurance is not limited to the day a claim occurs; it can also add a layer of protection around family wealth. When coverage is aligned with long-term planning, unexpected events are less likely to leave a family without options.Read Guaranti Perspective2026-08-20A Business Loan Is More Than BorrowingThe cost of a business loan is not captured by one headline figure. Structure, tax considerations and cash-flow impact all matter when assessing how financing fits into the company’s broader plan.Read Wealth Planning2026-08-20As Robots Clock In, What Happens to Our Wealth?Notes on defending and passing on wealth, from one robotics expo — what an era leaves behind is never wealth itself, only outdated ways of holding it.Read Guaranti Perspective2026-08-19How Insurance Can Support Tax PlanningInsurance can provide protection while also interacting with tax and estate-planning considerations. Whether it belongs in a broader strategy depends on the family’s assets, business structure and long-term goals.Read Guaranti Perspective2026-08-17Jewellery as an Asset, Not Just a PurchaseThe value of a piece isn't only in owning it — it's in how it carries forward.Read Property Financing2026-08-14The Market Changed Before Your Presale Closed — What the Bank of Canada FlaggedIt is the same unit you signed for. But what decides whether closing goes smoothly is not only the contract price — it is how the bank values that unit on the day you complete.Read Guaranti Perspective2026-08-13A Mother’s Most Tender LegacyLove can be carried from one generation to the next through a treasured object and a thoughtful plan. What is passed on is often more than value—it is also memory, meaning and care.Read Wealth Planning2026-08-13Why do insurance companies reward you for exercising? Health, it turns out, is a form of wealthWhat an insurer watches is not your step count but your risk — and health was never only a physical matter. It is part of a family's wealth.Read Guaranti Perspective2026-08-12When Will the Housing Market Turn?Housing-market turns are rarely announced by a single data point. They often begin with subtle shifts in supply, buyer confidence and financing conditions, making those signals more useful than guessing a date.Read Guaranti Perspective2026-08-12Your Presale Is Closing. What Now?Closing, assigning or considering another direction can each involve financing, cash and contract terms. Comparing the conditions and costs early can help prevent a rushed decision near completion.Read Guaranti Perspective2026-08-12Beyond Closing or Assigning: Is There a Fifth Option?A presale buyer facing difficulty may have more than two possible directions. Every route carries conditions and trade-offs, so the contract, financing and market context need to be considered together.Read Guaranti Perspective2026-08-12Why are more people earning money, yet feeling less and less secure?What leaves people feeling unsafe is not earning too little — it is that the future has become harder to predict. Security was never a number; it is whether you still have choices when things change.Read Guaranti Perspective2026-08-11Which Price Is the Real Presale Price?The contract price, current market value and lender appraisal may all be different. Confusing the three can lead a buyer to underestimate the cash required at completion.Read Guaranti Perspective2026-08-10A Presale Lost Value. Are You Out of Options?A price decline does not mean every presale buyer faces the same outcome. The available directions depend on the contract, financing and market conditions, so an early review can preserve more choices.Read Guaranti Perspective2026-08-10Developer Claims the Price Gap. How Might a Court Decide?A developer’s claim for a resale shortfall usually turns on the contract, evidence and specific facts. The legal outcome may not match either side’s assumptions, which is why the boundaries of responsibility matter.Read Guaranti Perspective2026-08-07The Presale Price Fell—but the Bank Uses the Original Price?A lender’s presale assessment can depend on its valuation method, lending conditions and the borrower’s file. An early indication is not a final approval, so the complete terms still need to be confirmed before closing.Read Guaranti Perspective2026-08-07A $100K Appraisal Shortfall Can Mean $65K More CashA lower appraisal can affect more than the property’s stated value; it may also change the financing ratio and closing cash gap. Understanding that calculation makes the required funds easier to estimate.Read Guaranti Perspective2026-08-06Don’t Overlook Your Child’s Future TFSA and FHSAFamilies often begin with an RESP but may overlook the TFSA and FHSA a child can use as an adult. Understanding these accounts can connect education, saving and future home ownership within one long-term plan. This content is general information only and is not investment, tax or legal advice.Read Property Financing2026-08-07If one bank says no, is that really the end?His income hadn't changed and it was the same property — so why did the amount fall short? One bank's answer isn't the only answer on the market. But switching banks doesn't automatically solve it either.Read Guaranti Perspective2026-08-06You Thought the Loan Was Ready—Then the Bank CalledEven a well-prepared financing plan can be affected by changes in income, credit, valuation or documentation. Confirming the key conditions early is safer than waiting for a final call just before closing.Read Guaranti Perspective2026-08-06The best investment you can make is always in yourselfWe've learned to book a physical every year. A family's plan deserves the same habit.Read Wealth Planning2026-08-05Same retirement income. Very different outcome for the next generation.Two structures, identical retirement income, identical lifestyle. What separated them was whether anything had been planned in advance.Read Property Financing2026-07-31Why financing a presale isn't like financing a resaleYou buy today. The bank assesses you three years from now. Nearly every presale financing problem starts in that gap.Read Family Wealth Class2026-07-31Why starting ten years earlier changes the answerTwo children save the same amount at the same rate. One starts ten years earlier. The gap at 65 comes from nothing but time.Read Guaranti Perspective2026-07-31More than half of new housing is now being built to rentFor the first time in Canadian history, more new housing is being built to rent than to sell. That happened in the data, not the headlines.Read Property Financing2026-07-31I had a pre-approval. Why did the bank still say no?A pre-approval isn't a promise about the future. It's an assessment of the present — and on a presale, the present moves.Read Guaranti Perspective2026-07-31What's worth thinking through before you incorporateIncorporating solves today's problem. Share structure is about the ones that arrive later.Read Wealth Planning2026-07-31A small allocation can carry a large roleWhat creates long-term value usually isn't the size of the allocation. It's the role that allocation plays in everything else.Read Guaranti Perspective2026-07-23One Cent Keeps Doubling. What Happens After 30 Days?This number exercise is not a promise of returns; it is a way to help children understand compounding, time and patience. Financial literacy begins when small choices can be connected to long-term outcomes.Read Guaranti Perspective2026-07-22Wealth Grows Like BambooSustainable wealth often takes root long before the growth becomes visible. Clear goals, consistent habits and enough time matter more than reacting to every short-term move.Read Guaranti Perspective2026-07-22Would you give your child $1,000, or a single cent?Teaching children about money is about responsibility and choice, not arithmetic.Read Guaranti Perspective2026-07-22You assume the building’s insurance covers everything. It does not.Strata insurance and a personal condo policy are two different things — the gap shows up on the day you claim.Read Guaranti Briefing2026-07-21CREA cuts its forecast: a slower recovery, not a continued slideThe recovery is running slower than expected — but the monthly numbers point to a cautious recovery rather than a continued fall.Read Wealth Planning2026-07-16Why more business owners are asking about IFAWhen capital stops being scarce, the question changes — not how much do I have, but how much work each dollar is actually doing.Read Wealth Planning2026-07-16Wealth isn't only accumulated. It circulates.An IFA isn't built for short-term return — it's built so capital can carry protection, financing, cash flow and succession at once.Read Guaranti Briefing2026-07-14Buy now, or wait a while longer?What matters is not calling the bottom — it is whether you are actually ready.Read Guaranti Perspective2026-07-10What Canada's World Cup run says about building a structureA team doesn't go far on one striker. A household balance sheet has the same problem.Read Guaranti Perspective2026-07-10The one thing clients regret most: starting too lateAfter years in wealth planning, the sentence Christine hears most often is “I wish I had started earlier.”Read Guaranti Perspective2026-07-10Buying presale: is the deposit really all you need to prepare?Buyers focus on choosing the unit and paying the deposit, and overlook the financing question waiting at completion.Read Guaranti Perspective2026-07-10Why does the insurer keep asking how old the roof is?With an older home, the premium is not the only thing worth reading closely.Read Family Wealth Class2026-07-09Why time matters more than rate of returnThe most valuable thing in a plan isn't the rate of return. It's the years you still have to let it work.Read Family Wealth Class2026-07-04The account worth knowing about once your child turns 18: FHSAMost families plan an education fund. Far fewer know about the account Canada built specifically for a first home.Read Family Wealth Class2026-07-04Spends it all, or won't spend any — neither is the child's faultFinancial literacy isn't the ability to count money. It's the ability to make a choice.Read Property Financing2026-07-04Your presale is completing. You bought at the peak. Now what?Complete, assign, or walk away. Before you choose, there are three sets of numbers worth working out properly.Read Family Wealth Class2026-07-04Three accounts worth understanding after 18TFSA, FHSA and RRSP aren't substitutes for one another — each was built for a different stage of life.Read Wealth Planning2026-07-04Is buying after the IPO already too late?Companies stay private longer than they used to, which is the case for Pre-IPO — and also where its risks come from.Read Guaranti Perspective2026-07-03You think it makes no difference whether you leave a will. It makes every difference.If you do not say who inherits, the law says it for you — and it may not say what you would have.Read Guaranti Briefing2026-06-30Buying a first home as a newcomer is getting harder — and where the room to plan isStatistics Canada data shows newcomers carrying more financial strain to buy. The lead time you give yourself is the variable you control.Read Guaranti Perspective2026-06-25Why Your Broker Matters During a ClaimBuying coverage is only the beginning. When a loss occurs, documentation, assessment and communication can all shape the claims process, and an informed broker can help clarify the steps and scope of coverage.Read Guaranti Perspective2026-06-24No Agreement—How Much Risk Are You Carrying?Marriage property, asset protection and business succession rarely rest safely on verbal assumptions alone. Clear documents and boundaries can reduce uncertainty when circumstances change. This content is general legal information and is not legal advice.Read Guaranti Perspective2026-06-24A High-Rise Leak: What Should You Do First?A high-rise water leak can affect several units, common property and questions of responsibility at once. Knowing the scope of personal condo coverage and the response process can reduce confusion when an incident occurs.Read Wealth Planning2026-06-19You thought you'd agreed. Most disputes start with one sentence nobody wrote down.Most disputes don't begin with bad faith. They begin with two people confident they understood each other.Read Family Wealth Class2026-06-10The path to a top university isn't built out of tutoringNot every child needs to go to Yale. Every child deserves to be understood properly, and to have a path that suits them.Read Wealth Planning2026-06-09A lifetime of work. Who does it actually go to?The risk isn't usually a shortage of assets. It's that nobody drew the boundaries while things were calm.Read Wealth Planning2026-06-03You rented it out, listed it on Airbnb, started working from home. Are you still covered?Home insurance rests on one assumption: that the insurer knows how your property is actually being used.Read Guaranti Perspective2026-06-02If you live to ninety, will your money last?Longevity is a gift on one condition — that the money holds out as long as you do.Read Wealth Planning2026-06-02More cash than before, and less security. Why?Income is up and confidence is down. Usually that gap isn't about earnings — it's about structure.Read Guaranti Perspective2026-06-02Property is slow to sell — what else is there?With the Greater Vancouver market under pressure, Elvis walks through seven options and who each one suits.Read Guaranti Perspective2026-05-30Guaranti Group: one platform for a family's financial lifeA family office built around one idea — that a family's financial decisions were never separate problems.Read Property Financing2026-05-29Financing options for small business: what's actually availableThe business works. The financing is what feels opaque. Five problems small business owners keep running into.Read Guaranti Perspective2026-05-21The house hasn't grown. The payment has. Now what?What a soft market actually tests isn't the value of the house. It's whether the household still has choices.Read Property Financing2026-05-21Mortgage paid off — and more exposed than beforeClearing the mortgage removes a debt. It also removes a lender who was quietly checking every change to your title.Read Property Financing2026-05-21She thought it was her money. The bank said she couldn't touch it.The account was in her name. What she hadn't understood was who controlled it.Read Guaranti Briefing2026-05-19Headline inflation rose, core cooled — how should the Bank of Canada read that?April CPI came in above March, but the increase was driven almost entirely by gasoline. The core measures kept falling.Read Events & Talks2026-05-15The most practical way to say you love someoneFour questions most families never get around to asking — and they only become urgent at the point it's too late to answer them.Read Property Financing2026-05-15Three things a diligent lawyer should catch before you completeCompletion isn't the last administrative step. It's where every risk in the transaction finally comes to rest.Read Events & Talks2026-05-12A new chapter: highlights from the new office openingClients, partners and community guests gathered in Richmond to mark Guaranti Group entering a new stage.Read Events & Talks2026-05-11Guaranti Group opens its new Richmond officeA new office in Richmond, and a shift from mortgage brokerage toward a platform built around whole families.Read

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