The Mid-Year Gut Check Most Companies Skip

A note from HGA Next Every business reviews its numbers at the halfway mark. Revenue, margins, pipeline, headcount costs. Someone pulls out the reports; the leadership team gets in a room, and the second half gets planned around what the first half did. Fewer businesses review whether the people running those numbers are still aligned…

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…

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…