Tony Colley spent the first 16 years of his professional life working as a commercial portfolio manager for two major Canadian financial institutions. 

Jay Field is the founder and Principal of Tamarack West Outdoor School, an independent elementary school offering programming for students from Junior Kindergarten through grade 8, located in Toronto, Ontario.

Lee Galley is the owner of The Market, a small independent grocery store in Lakefield, Ontario, that features fresh local producers and brands.

Over the past months, the Bank of Canada has made increases in its benchmark interest rate, bringing it to the highest level in years, with further increases forecasted. These increases directly influence the Alterna Prime Rate, which impacts any loans with a variable rate.

A Registered Retirement Savings Plan is an investment account designed to help you prepare for retirement by maximizing your savings. 

Here are some strategies to help you get out of the red and into the black.