• Building your future on a solid foundation

Finding the right insurance plan can save you money and provide peace of mind. When you work with Zdyb Financials Ltd, I strive to provide friendly and professional support for all of your insurance, retirement planning and investment needs.

Business Owners

Strategies to help increase your personal cash flow, keep key employees and protect your business.

Insurance

Peace of mind for you and your family. Taking care of what matters most.

Estate Planning

Customized strategies for inheritance, wealth transfer and succession to protect your loved ones.

Divorce

Maintain financial security when planning a divorce.

Latest News

Financial Planning For Self-Employed Contractors

Being a self-employed contractor can bring you a large cash flow and the satisfaction of being your own boss – but it can also make financial planning more complicated than being an employee. When creating a financial plan, Self-employed contractors need to keep a number of items in mind. Read to find out!

The Five Steps to Insurance Planning

It’s essential to have enough insurance to give you peace of mind and make sure you are sufficiently insured. Working with an insurance agent can help make sure you are adequately insured. The five steps to insurance planning are: • Finding an insurance agent • Meeting with your insurance agent • Reviewing your insurance options • Purchasing insurance • Filing a claim (when necessary) An insurance agent can help you understand your policy covers, how much your deductible will be, and all the steps involved in filing a claim.

Why Insurance Is So Important If You’re A Single Parent

Being a single parent is a lot of responsibility. Learn how the right types of insurance can provide you and your family with the financial protection they need.

2022 Federal Budget Highlights

On April 7, 2022, the Federal Government released their 2022 budget. Our article contains highlights of the various financial measures in this budget, divided into these sections: • Housing • Alternative minimum tax • Dental care • Small businesses • Tradespeople • Canada Growth Fund • Climate • Bank and insurer taxes

2021 Income Tax Year Tips

It’ll be time to file your 2021 taxes soon, and you must take advantage of every tax credit and deduction that you can. Our article includes information on a variety of subjects you need to know about, including what to do if you’ve had to repay COVID-19 benefits, how to plan ahead if you’re self-employed or retiring soon, and what you need to know if you have a home office or employer-provided benefits.

Salary vs Dividend

As a business owner, you have the ability to pay yourself a salary or dividend or a combination of both. In this article and infographic, we will examine the difference between salary and dividends and review the advantages and disadvantages of each.

Life Insurance after 60- is it necessary?

You may have had life insurance for as long as you can remember. You knew it was important to make sure that your family would be taken care of and be able to pay their bills if anything happened to you. But now that you’re over 60, your children are grown, and your mortgage is paid off, you may feel you don’t need life insurance anymore. However, there are some circumstances under which it may still make sense for you to have life insurance: • You still have substantial debt. • You have dependent children or grandchildren. • You want to be able to leave a financial legacy.

2021 Year-End Tax Tips for Business Owners

We’re approaching the end of the year, so it’s time to review your business finances. We’ve put together an article highlighting the most critical tax-planning tips you need to know as a business owner. We’ve focused on: • How to determine the right salary and dividend mix. • The best ways to handle compensation. • How to make sure you can take advantage of the small business deduction. • What you need to know about depreciable assets and charitable donations. • How to make the most of Covid-19 relief programs.

Estate Planning for Business Owners

What happens when the children grow up and they are no longer dependent on their parents? What happens to your other "baby"- the business? Estate planning for business owners deals with the personal and business assets.

Estate Freeze

No business owner likes to think about handing over their business they've built from the ground up. But the fact of the matter is, you will have to do it eventually. Even more concerning, what if you were to become ill or incapacitated? Making a decision of this magnitude during trying times would not be ideal. For the business owner, an estate freeze can be an integral part of your estate planning strategy. The purpose of an estate freeze is to lock-in (freeze) the value of the business, freeing the successor from the tax liability that may arise should the business' value increase.

Group Insurance vs Individual Life Insurance

While it’s great to have group coverage from your employer or association, in most cases, people don’t understand the that there are important differences when it comes to group life insurance vs. self owned life insurance.

Accessing Corporate Earnings

One of the financial planning issues that business owners face is how to access their corporate earnings in a tax efficient way. Please contact us to learn how we can get more money in your pocket than in the government's.

British Columbia 2021 Budget Highlights

On April 20, 2021, the B.C. Minister of Finance announced the 2021 budget. We have highlighted the most important things you need to know, including: • Changes in the requirement to repay the B.C. Emergency Benefit for Workers • Home Owner Grant threshold change • PST exemption for electric bikes • Elimination of PST rebate for certain vehicle sales • Delay in the carbon tax increase • Tobacco tax increases • Changes to the speculation and vacancy tax

Federal Budget 2021 Highlights

On April 19, 2021, the Federal Government released their 2021 budget. Our article contains highlights of the various financial measures in this budget, divided into three different sections: • Business Highlights, including an extension to COVID-19 Emergency Business Supports, new programs to support job creation, and a change in interest deductibility limits. • Individual Highlights, including details on the tax treatment and repayment of personal COVID-19 benefits (such as CERB), eligibility changes to the Disability Tax Credit, an increase in OAS for those 75 and up, and support for job skills retraining. • Additional Highlights, including a proposed federal minimum wage of $15, changes to the GST New Housing Rebate conditions, and new or increased taxes in areas such as luxury goods, tobacco, and Canadian housing owned by non-resident foreign owners.

What’s new for the 2021 tax-filing season?

Tax season is upon us once again. But since 2020 was a year like no other, the 2021 tax-filing season will also be different. Due to all the changes in both where and how Canadians worked, the Canadian government has introduced some new tax credits and deductions to keep pace with these changes. Our article covers all of the following: • How to claim home office expenses • The new Canada Training Credit • Pandemic emergency funds • New digital news subscription tax credit

Importance of a Buy-Sell Agreement

Working as a partnership between 2 or more individuals is never an easy task, and the situation only gets more complicated when one or more of them exits the business. Protecting not only the business, but your personal interests, as well as your family’s future are very important objectives for any business owner, and should not be overlooked.

2021 Financial Calendar

We’ve put together a financial calendar for 2021. It contains all the dates you need to know to make the most of your government benefits and investment options. Whether you want to bookmark this or print it out and post it somewhere prominent, you’ll have everything you need to know in one place!

Government of Canada to allow up to $400 for home office expenses

For the 2020 tax year, the Government of Canada introduced a temporary flat rate method to allow Canadians working from home this year due to Covid-19 to claim expenses of up to $400.

Business Owners: 2020 Tax Planning Tips for the End of the Year

It's a great time to review your business finances now that we are nearing year-end. We have listed some of the critical areas to consider and provide you with some helpful guidelines to make sure that you cover all the essentials. We have divided our tax planning tips into four sections: - Year-end tax checklist - Remuneration - Business tax - Estate

Highlights of the 2020 Federal Fall Economic Statement | Additional $20,000 CEBA loan available now

Finance Minister Chrystia Freeland recently provided the government's fall economic update. It included information on the government's strategy for dealing with the COVID-19 pandemic and its plan to help shape the recovery. We've summarized the highlights for you: • Corporate Tax Changes, including extensions to subsidy programs. • Personal Tax Changes, including additional Canada Child Benefit Plan payments and a new "Work from home" tax credit. • Indirect Tax Changes, including the proposal to charge GST/HST on services provided via digital platforms, as well as the temporary removal of GST/HST on face masks and shields. For business owners, as of December 4th, the CEBA loan has been expanded by an additional $20,000.

Personal Tax Planning Tips – End of 2020 Tax Year

To help our clients, we’ve put together a comprehensive article filled with great tips on how to get ready for 2020 tax season. Here’s a summary of our personal tax tips article: • Details about the different COVID-19 benefits programs and the tax ramifications of them • Information about family tax issues including the Canada Child Benefits and tips on how to split income. • Managing investments. Details about contributing to various savings plans such as a TFSA, RESP, or RDSP. Also tips on how and when to donate to charity and how to time the purchase or sale of investments. • Retirement planning. How to make the most of your RRSP, things to know if you’ve turned 71, and tips on RRIF conversion.

Financial Planning

A financial plan looks at where you are today and where you want to go. It determines your short, medium and long term financial goals and how you can reach them.

Financial Advice for Business Owners

We can help you determine where you are today financially and where you want to go. We can provide you guidance on how to reach your short, medium and long term financial goals.

Investing as a Business Owner

Many business owners have built up earnings in their corporation and are looking for tax efficient ways to pull the earnings out to achieve their personal and business financial goals. We outline the factors to consider when investing as a corporation.

Insurance Planning for Business Owners

For business owners, making sure your business is financially protected can be overwhelming. Business owners face a unique set of challenges when it comes to managing risk. Insurance can play an important role.

Retirement Planning for Employees

Retirement Planning for Employees

Canada Emergency Wage Subsidy expanded to include more businesses!

On July 17th, Finance Minister Bill Morneau announced proposed changes to the Canada Emergency Wage Subsidy (CEWS) that will expand the number of businesses that qualify for the program.

Canada Emergency Wage Subsidy extended into December!

On July 13th, Prime Minister Justin Trudeau announced the extension of the Canada Emergency Wage Subsidy (CEWS) until December.

Retirement Planning for Business Owners – Checklist

As a business owner, one of your challenges is learning how to balance between reinvesting into the business and setting money aside for personal savings. Since there are no longer employer-sponsored pension plans and the knowledge that retirement will come eventually, it’s important to have a retirement plan in place. We've put together an infographic checklist that can help you get started on this.

CERB Extended | Business Owners who did not qualify previously – expanded CEBA starts June 19th

Great news for Canadians out of work and looking for work. The CERB will be extended another 8 weeks for a total of up to 24 weeks. The expanded CEBA will begin June 19th.

10 Essential Decisions for Business Owners

Business owners can be busy… they’re busy running a successful business, wearing lots of hats and making a ton of decisions. We've put together a list of 10 essential decisions for every business owner to consider.

Small Businesses! Applications for Canada Emergency Commercial Rent Assistance starts May 25th

The Application portal for the Canada Emergency Commercial Rent Assistance (CECRA) opens at 8:00am EST on May 25th

Expanded eligibility for CEBA $40,000 interest-free loan

The Prime Minister outlined the expanded eligibility for the Canada Emergency Business Account and highlighted companies such as hair salon owners, independent gym owners with contracted trainers and local physio businesses will now be eligible. "If you are the sole owner-operator of a business, if your business relies on contractors, or if you have a family-owned business and you pay employees through dividends, you will now qualify." - PM Justin Trudeau

Extended! Canada Emergency Wage Subsidy extended beyond June

On May 8th, Prime Minister Justin Trudeau announced that they will extend the Canada Emergency Wage Subsidy (CEWS) beyond June.

Apply for Canada Emergency Wage Subsidy starting April 27th | Calculate your subsidy

On April 21st, Prime Minister Justin Trudeau announced that the Canada Revenue Agency will accept applications for the Canada Emergency Wage Subsidy (CEWS) starting Monday, April 27th. This new measure gives qualifying employers up to $847 per employee each week so they can keep people on the payroll.

BC: Reduces commercial property tax for businesses by average of 25%, help local governments

The province of British Columbia is providing additional support to businesses by reducing most commercial property tax bills by an average of 25%.

New Canada Emergency Commercial Rent Assistance | Canada Emergency Business Account Expanded

On April 16th, Prime Minister Justin Trudeau announced support for to help small businesses with their rent for the months of April, May and June. The program is being worked out with the provinces and more details will be available shortly.

Getting the best from a financial advisor

Working with a professional to help you to make sense of your finances can be a wise move, but for this relationship to work effectively it is important that you understand what to expect from your financial advisor.

Expanded eligibility for Canada Emergency Response Benefit (CERB) & Boosted wages for Essential Workers

Prime Minister Justin Trudeau announced: "Today, we're announcing more help for more Canadians. This includes topping up the pay of essential workers. At the same time, we'll also be expanding the Canada Emergency Response Benefit to reach people who are earning some income as well as seasonal workers who are facing no jobs and for those who have run out of EI recently. Expanding the CERB to include people who earn up to $1,000 per month. Maybe you're a volunteer firefighter, or a contractor who can pickup some shifts, or you have a part-time job in a grocery store."

Rules changed to allow more struggling business owners access to CERB, Wage Subsidy. Summer jobs program increased to 100%

A big win today for some small business owners who previously did not qualify for the $500/week Canada Emergency Response Benefit (CERB) or the 75% Canada Emergency Wage Subsidy (CEWS).

Apply for the Canada Emergency Business Account at your bank TODAY!

The new Canada Emergency Business Account (CEBA) is available starting TODAY and is available through major banking institutions: TD, Scotiabank, BMO, CIBC, RBC, National Bank, HSBC and Canadian Western Bank. The CEBA will provide qualifying businesses an interest-free loans of up to $40,000 until December 31, 2022.

Help for Small/Medium Businesses & Entrepreneurs – 75% wage subsidy, $40,000 interest-free loan & more

March 27, 2019 - Prime Minister Justin Trudeau announced programs and measures focused on helping Small & Medium Sized Businesses and Entrepreneurs cope with the economic consequences caused by the COVID-19 pandemic. “With these new measures, our hope is that employers being pushed to laying off people due to COVID-19 will think again,” Trudeau said. “And for those of you who have already had to lay off workers, we hope you will re-hire them.”

Government of Canada Covid-19 Economic Response Plan

We know that clients have questions about the Federal government’s economic response plan, we have included a summary of the information below for business owners, employees and other support that’s available.
Learn how we can help

Client Appreciation

Munga M
Munga M
2021-01-05
Is financial freedom important to you? Would you like to grow your financial knowledge while building a healthy portfolio? Do you have some topping-up or even catching-up to do, to meet your financial goals? If you answered YES to any of the above questions- your solution is in JASON ZDYB! It never matters if you are new and a first-time investor, or an existing part of the Zdyb financial family; We all get the VIP treatment! Jason is super positive, honest, uplifting gentleman and always a pleasure to see. He makes you feel welcome, comfortable and makes you thoroughly understand the process and trajectory of your financial health. Jason puts a lot of time and effort into customizing an exciting yet personalized experience for all of us, his clients. He takes the time to get to know you as a person, then brings you into the 'fold' while making you feel like a family member! Jason thoroughly immerses himself to help you achieve your requested goal. He also invests in the same investments he recommends at times-this says a lot!!! Jason is always prompt to avail himself for a meet to clarify any investment questions you have. A true testimony to his integrity, passion and commitment to his 'family' of clients; and does so in the highest level of confidence. Jason respectfully and studiously returns calls promptly, offers financial suggestions to peruse and always sprinkles you with ‘buckets’ in proactive advice. Jason and us his clients, understand that we all have different financial needs. The awe and excitement, comes from watching calculated financial dreams and aspiring goals come to fruition; by trusting in the care and custody of Jason Zdyb. I look forward to working with Jason for many years to come! See you ALL at the TOP!
Fraser McDuff
Fraser McDuff
2020-12-28
Great sound advice.
Deanne Lister
Deanne Lister
2020-09-04
I am a new client with Jason Zdyb. This is my first time investing or having a financial portfolio. Jason made me feel welcome, comfortable and made sure I completely understood the process of what we are going to do with my investment. He put a lot of work into where we are going to start and grow my portfolio. Jason takes the time to get to know you as a person and makes you feel like a family member. I look forward to working with Jason for many years:)
Daren Woodske
Daren Woodske
2020-04-27
Jay has been fantastic, very knowledgeable and personable. Keeps me informed of changes and takes the time to walk you through options and ensures you fully understand. Highly recommend to any and everyone.
Donna Huebner
Donna Huebner
2020-04-24
We have been dealing with Jay for over a decade. We had a lot of catching up to do in order to get enough funds for retirement. Jay went straight to work getting us to a level we needed . He also invests in the same funds - which says a lot. He is always free to meet to clarify any investment, when possible fitting us in for an early morning meeting at our acreage on his way to the office. Returning calls promptly with proactive advice. Jay is positive, up lifting kind of guy, always a pleasure to see. And yes gets very excited "following the money" knowing we all depend on him and do so with the greatest confidence. Donna Huebner
Google rating score: 5 of 5, based on 7 reviews.