Cardinal Capital Management - Calgary

10/23/2026

Because the rate of construction has kept up with demand, Edmonton is the only metropolitan area in Canada on track to restore affordability to prepandemic levels by 2036, according to Canada Mortgage and Housing Corporation’s (CMHC) latest housing supply report , which characterizes Alberta’s capital city as having no measurable supply gap.

One in four tenants in Edmonton scramble to find a suitable rental that won’t gobble up more than a third of their pretax income, while in Brampton, demand and prices have dropped significantly.

10/21/2026

Melting down your RRIF can be an effective way to smooth out your tax rates, lower your lifetime tax bills and even maximize your after-tax estate.

Withdrawing more than you need from your RRSP or RRIF and reinvesting it can be a reasonable course of action. You may have heard of it referred to as an RRSP or RRIF “meltdown” strategy.

10/16/2026

Volunteering rates across Canada are plummeting. What’s that doing to our happiness?

10/11/2026

Breaking estate planning into smaller steps can make the process feel more manageable.

Progress beats a perfectly optimized plan. Even a signed beneficiary form today protects a family more than a theoretical perfect plan that never gets done.

10/07/2026

You Can Likely Afford to Spend More in Retirement. So Why Won’t You?

Retirees often underspend despite strong finances. This piece explains why spending feels risky and how behavioral strategies can make retirement income easier to use.

10/02/2026

Privatized airports abroad have seen fewer cancellations and more international routes, but critics question whether those results can be replicated in Canada.

09/27/2026

If you name a successor holder, your TFSA can continue growing tax-free long after you’re gone.

09/20/2026

The problem is that retirement does not unfold on a spreadsheet. It unfolds in real life with health issues, market cycles, family history, spending needs and the very human desire to enjoy the early, active years of retirement.

FP Answers: Delaying benefits gives you higher payments but the decision should be guided by factors like health and spending needs.

09/16/2026

You may be surprised how much RRIF income increases your tax bill after age 71. Here are some ways to control the damage.

09/11/2026

For all the extraordinary things AI can do, there are some things it simply cannot replicate in the way a human being experiences them. It can analyze emotion, understand language, recognize patterns and produce something that sounds incredibly sensitive, but it doesn’t actually feel anything.

In the age of AI the fear of the technology is the reverse of reality.