Peace of mind through financial confidence

AFS Insights: Business Services

Happy Thanksgiving

On behalf of the entire Arbutus Financial team we would like to wish you and your family a safe, happy and healthy Thanksgiving. Each year at Thanksgiving we pause to give thanks for the many blessings in our lives and in particular during this pandemic year extra thanks to our family, friends, and clients for… Read more »

October is Canada’s Healthy Workplace Month

As we’re rounding off 6 months of life during COVID-19, everyone’s stress levels may be back at an all-time high. But the fall can be a great time to re-energize and re-fresh with the changing of the season, and since we spend the majority of our time working (either at home or in the office)… Read more »

Employee Assistance Programs and Financial Wellness

When thinking of an employee benefits program, what comes first to mind? Life insurance, extended health care, dental? However, one group benefit is becoming ever more popular, and important. Employee Assistance Programs (EAPs) and other wellness programs often can be included in an employee benefits package with little to no cost and provide a wealth… Read more »

Mental Health Week

May 4th-10th marks Mental Health Week’s annual push to raise mental health awareness Canada wide. With the Canadian workforce currently mobilized mostly from home, mental health professionals have been adapting quickly, but it is equally important as employers to prioritize employee mental health needs. Mental Health disorders cost the global economy hundreds of billions of… Read more »

Covid-19 Support Programs for Businesses

March 19, 2020 If you are like most of us, it’s a bit challenging to figure out what the Government is offering and how it applies to you and your business specifically. There is still much more information to come from the Government to assist with understanding how these programs will work and the timing… Read more »

Building (and Retaining) a Great Team

March 6th, 2020 is a special day. It’s Employee Appreciation Day. Does your business have a great team? As the article below points out, it’s hard to attract and retain top talent. So why is it so challenging? What’s the solution? Well, at our firm, we have learned it’s all about the people. Having clear… Read more »

CAMH releases workplace mental-health guide

Increasingly in conversations with our business clients, the topic of employee mental health is coming up.  Employers are mindful of the pressures on employees and the need to have a healthy work/life balance.  The Centre for Addiction and Mental Health (CAMH) recently came out with “The Workplace Mental Health Playbook For Business Leaders”. Businesses are experiencing… Read more »

Majority of Canadians Want Financial Education in the Workplace: Survey

Financial wellness impacts engagement and productivity.  Organizations are at their best when their employees are at their best.  Does your health and wellness program include financial education? A survey by the Canadian Payroll Association identifies the impact of financial stress on employees in the workplace. Majority of Canadians Want Financial Education in the Workplace: Survey Benefitscanada.com… Read more »

CRA clarifies TOSI’s gross business income test

For a number of our incorporated clients, the new CRA Tax On Split Income (TOSI) rules are confusing.  These rules relate to splitting income and the resulting tax rates.  CRA has recently provided some examples to assist with interpretation.  Explore the following article to learn more… CRA clarifies TOSI’s gross business income test Investment Executive, Michelle Schriver |… Read more »

The Importance Of Disability Income Protection

The income we earn is a cornerstone for our personal financial well being. Our earnings go to lifestyle expenses such as family, rent/ mortgage, food, gas, etc. If, due to an accident or sickness, one of your employees was unable to work how would they manage? Access short-term savings? Borrow from family or friends? As… Read more »