2025 Budget Snapshot

On November 4, 2025, the Minister of Finance and National Revenue, the Honourable François-Philippe Champagne, presented Budget 2025 – Canada Strong, to the House of Commons. No changes were proposed to personal or corporate tax rates. Some highlights include the following: A.    Personal Measures Automatic tax filings for low-income Canadians to commence for the 2025…

Let Benefits Tools Do The Heavy Lifting

Make Benefits Administration Easier with the Right Tools Benefits administration shouldn’t feel like a second full-time job. Smart tools can run the program for you. Too often, HR teams are buried in spreadsheets, chasing paperwork, or setting endless calendar reminders. It’s exhausting, and it leaves plenty of room for mistakes. The right administrative platform changes…

Life Insurance That Pays You Back 

Most people see life insurance as a necessary expense. Pay premiums, get protection. But what if your life insurance could actually help you build wealth while you’re alive?  That’s where participating life insurance comes in.  More Than Just Protection  Unlike term insurance that disappears when the term ends, participating life insurance is yours for life.…

Better Tomorrows Podcast: S1 | E2

Season 1, Episode 2 of the Better Tomorrows Podcast: NOW LIVE. Quentin Gardiner (CEO of the HGA Group) sits down with local entrepreneurs and business owners every month to talk shop, tackle challenges, and share insights you won’t find in a textbook. Take a listen to The Better Tomorrows Podcast for a no-fluff look at…

Better Tomorrows Podcast: S1 | E1

Join us for Season 1, Episode 1 of the Better Tomorrows Podcast! Quentin Gardiner (CEO of the HGA Group) sits down with local entrepreneurs and business owners every month to talk shop, tackle challenges, and share insights you won’t find in a textbook. Take a listen to The Better Tomorrows Podcast for a no-fluff look…