Disclosures

The content on this site, including the articles, calculators and examples, is general educational information. It is not personalized investment, tax, insurance, legal or accounting advice, and it does not take your particular circumstances into account.

Reading this site or using its tools does not create an advisory or client relationship with KianTrust. A client relationship exists only once we have agreed to it with you directly.

The Canadian Finance Simulator and the other tools on this site produce illustrative estimates for educational modelling only. Results depend on the assumptions built into the tools and on the numbers you enter, and actual outcomes will differ.

• Tax years 2024 and 2025 use published federal amounts and CPP, EI and account limits. Provincial brackets for 2025 are indexed from 2024, and 2026 figures are indexed estimates.
• Simplifications include flat basic personal amounts and the omission of surtaxes (other than Ontario’s), health premiums, OAS and GIS clawbacks, and QPIP.
• The investment return, inflation rate and time horizon are hypothetical inputs that you can change. They are not forecasts, and they are not a promise or an expectation of future performance.

All investing involves risk, including the possible loss of the amount invested. Returns are not guaranteed, past performance does not predict future results, and the value of investments can go up as well as down. Before making any decision, consider your own objectives, time horizon and tolerance for risk.

Tax rules, contribution limits and government programs change often and differ by province and by personal situation. Information on this site may be out of date or may not apply to you. Speak with a licensed professional before acting on it.

KianTrust’s advisor is licensed by the Financial Services Regulatory Authority of Ontario (FSRA) as an insurance agent. Insurance and any investment-type products we offer are offered only within the scope of that licence, and only where the law allows.

Descriptions of products or services on this site are not an offer or solicitation in any place where it would be unlawful. You can confirm a licence with FSRA at fsrao.ca.

Before you make a decision, we will tell you in writing how we are paid and about any material conflict of interest connected to a recommendation we make to you, including any compensation we may receive from a product provider.

Links to other websites are provided for convenience. We do not control those sites and are not responsible for their content or privacy practices.

This site is available in English, French and Persian. Translations are provided for convenience. If you notice a difference in meaning between versions, please let us know.

If you have a concern about our services or conduct, please tell us through our Contact page. We take concerns seriously and will respond promptly.