facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog external search brokercheck brokercheck Play Pause

strategy vision patience

helping you achieve a secure financial future

Get started today

Join our mailing list to keep current on our news.

We will never spam you or share your email.

strategy vision patience 

forward thinking

Based on your values and needs, we help you design your future. We work together to provide you with the necessary tools to succeed.


clear vision & direction

We specialize in providing wealth advisory and investment services and tax advice for clients seeking financial freedom and security. 


client centre

We'll provide you with easy-to-understand recommendations and help you implement them every step of the way. 


meet your team

live for today while still planning ahead for tomorrow

We work together with our clients, providing them with easy-to-understand recommendations and helping to implement them every step of the way. Our process helps you make financial decisions with confidence that are always relevant to your current circumstances and expectations.

Contact us to get started today!

Domenic Scavuzzo Photo Domenic Scavuzzo Hover Photo

Domenic Scavuzzo

Read Bio

Domenic Scavuzzo

Life Insurance Advisor, Manulife Securities Insurance Inc.

Domenic Scavuzzo is a Toronto-based Financial Advisor with over 20 years of experience helping clients with financial strategies, investments, wealth management, insurance and retirement strategies. 

Through expert advice and proven strategies, Domenic helps his clients live for today while still planning ahead for tomorrow. 

As a branch owner in Toronto/North York, Ontario, Domenic leads a team of successful advisors to serve a valued group of clientele including individuals, families, and business owners from across the GTA.

4101 Yonge Street Suite 700 
Toronto, Ontario, CA 
M2P 1N6

416-628-5770 EXT. 3226


Avellina Muscat Photo Avellina Muscat Hover Photo

Avellina Muscat

Read Bio

Avellina Muscat


Avellina has over 15 yrs experience in Customer Service, Managerial and Business Administration with excellent project management, organization, time management, analytical & problem solving skills.

With her exceptional customer service, interpersonal and communication skills, Avellina has a positive attitude and commitment to excellence when dealing with client.

4101 Yonge Street, Suite 700
Toronto, Ontario M2P 1N6

TEL: 416.628.5770 EXT 3239  |  FAX: 416.250.2070


Rob Carter Photo Rob Carter Hover Photo

Rob Carter

Read Bio

Rob Carter

Marketing Assistant, Manulife Securities Incorporated

Experienced Project Manager with a demonstrated history of working with a variety of corporate environments. Skilled in Negotiation, Business Planning, Coaching, Database Architecture and Sales.
Strong media and communication professional with Computer Programming training and a passion for developing a strong "Corporate Culture".

It's not the idea...it's the ability to articulate that idea in a way others can relate!

Father. Nerd. Strategist.

it's time to prepare

important deadlines

Reporting your income and expenses to the government can sneak up on you, but waiting until the last minute, or not preparing in advance could make the process  more difficult. The reference to your important deadlines to remember below,  will ensure you are prepared.

2020 TFSA limit: $6,000   |   2020 RRSP limit: $27,230   |   2019 RRSP limit: $26,500

January 2020

January 1
New TFSA contribution room. Visit the CRA website for more information.
January 30Deadline to pay interest on a family loan at prescribed interest rates to avoid income attribution.

February 2020

February 24E-filing open for resident and immigrants in Canada for 2019 tax year.
February 29Deadline for employers and other payers to give you an information slip, usually a T4 Statement of Remuneration Paid, which tells you and the CRA exactly how much you earned in 2019.

March 2020

March 2RRSP Contribution Deadline Deadline for making your RRSP contribution for the 2019 tax year (including Home Buyers’ Plan/Lifelong Learning Plan repayments). 

Deadline to issue T4s, T4As, and T5s and for issuers of TFSAs to file their annual information returns.
March 15
First quarter personal tax instalment is due.
March 30
Deadline to file NR4s and T3 trust returns.



RRSP contributions can be deducted from taxable income and grow tax free through investments until they are fully taxed in retirement. Higher-income Canadians tend to get more bang for their RRSP buck because they are in higher tax brackets. 

April 2020

April 15

Deadline to file U.S. individual income tax returns for 2019 or 6-month extension requests.

Deadline to file 2019 report of Foreign Bank and Financial Accounts, FinCEN report 114 (formerly FBAR), for U.S. citizens living in Canada.

April 22Deadline to set up a pre-authorized debit payments for 2019 to avoid interest charges

April 30 
Deadline for most tax returns. If you owe anything, you must pay by this date or you will be charged interest. (* Now June 1, 2020- Due to COVID-19)

Personal Income Tax Returns Deadline for filing your Canadian (or Quebec) personal income tax return (excluding self-employed individuals and their spouses or common-law partners). April 30 is also the deadline for payment of any taxes owing to the CRA (or Revenu Québec) for 2019 for all individuals.



Planning Consideration: Children with earned income Unused RRSP contribution room can be carried forward indefinitely. File a personal income tax return for children with “earned income” (e.g., from a part-time job) so they can start accumulating RRSP contribution room.

May 2020

Planning Consideration: Putting your income tax refund to work If you received an income tax refund in 2020, use the funds to make your 2020 RRSP/TFSA contribution or pay down debt.

June 2020

June 1

Deadline for most tax returns. If you owe anything, you must pay by this date or you will be charged interest. (* Now June 1, 2020- Due to COVID-19

June 15

Second quarter personal tax instalment is due.

Deadline for self-employed persons. If you or your spouse or common-law partner carried on a business in 2019 (other than a business whose expenditures are primarily in connection with a tax shelter), your 2019 tax return has to be filed on or before June 15, 2020. However, if you have a balance owing for 2019, you still have to pay it on or before April 30, 2020.

Deadline to file GST/HST returns for self-employed individuals with a December 31 year-end.

Planning Consideration: Review your estate plan Review your estate plan regularly to ensure it continues to meet the needs of you and your family. At a minimum, your estate plan should include an up-to-date Will that reflects your intentions and names an appropriate executor(s), a Continuing or Enduring Power of Attorney for Property in the event of mental or physical incapacity, and a Power of Attorney for Personal Care to address medical and physical care decisions. Further, your estate plan should be reviewed whenever there is a change to your personal situation, such as a birth, death, incapacity, retirement, marriage, divorce, change in residency, attainment of age of majority, significant increase or decrease in wealth, or sale of a business. 

July 2020

Planning Consideration: Income-splitting opportunities Under the Canadian tax system the more you earn, the more you pay in income taxes on incremental dollars earned. With this in mind, it may make sense to spread income among family members who are taxed at lower marginal rates to reduce your family’s overall tax burden, subject to the income attribution rules. Common income-splitting strategies to consider include:

  • An interest-bearing loan at the prescribed interest rate to family members in a lower tax bracket;
  • Pension income-splitting between spouses (or common-law partners); 
  • Gifts to adult children or other adult family members (other than a spouse or common-law partner); and 
  • Gifts to a minor child – directly or through a trust structure – to acquire investments that generate only capital gains.

August 2020

Planning Consideration: Planning for your child’s post-secondary education As the new school year approaches, consider whether your family’s education plan would receive a passing grade. Starting a dedicated education savings plan while children are still young helps ensure you have the funds necessary when they begin their post-secondary studies. What’s right for your situation depends on many factors, including disposable income, whether financial assistance will be provided by other family members (such as grandparents), the ages and number of children involved, and the options for your savings if your child doesn’t pursue a formal post-secondary education program.

September 2020

September 15Quarterly Income Tax Instalment Payment Deadline for third quarter income tax instalments for individuals required to make quarterly payments.

October 2020

Planning Consideration: Your RRSP maturity options If you turned or will be turning age 71 in 2020, or are planning to retire next year and will be using your RRSP to supplement your pension and government benefits, make sure you’ve considered your RRSP maturity options. 

You can withdraw the cash proceeds from your RRSP, purchase a Life Annuity or transfer your RRSP to a Registered Retirement Income Fund (“RRIF”). A RRIF may be your best choice if you want to continue to manage your investments and give yourself maximum flexibility in terms of structuring your retirement income. 

November 2020

Planning Consideration:  If you’re age 65 or older, RRIF payments are eligible for the $2,000 federal pension income tax credit, and for pension income-splitting with your spouse or common-law partner.

December 2020

December 15Quarterly Income Tax Instalment Payment Deadline for fourth quarter income tax instalments for individuals required to make quarterly payments.
December 29
Last day to settle trades in calendar year 2020 for Canadian tax-loss selling.
December 31

Contribution deadline for Registered Education Savings Plans (RESP).

Deadline to make charitable donations to be claimed for the 2020 tax year.

Tax Deductions and Credits Deadline The final payment date in order to receive a 2020 tax deduction or credit for expenses such as childcare, medical and tuition tax credits.
Planning Consideration: TFSA withdrawal If you’re planning a withdrawal from your TFSA, consider making the withdrawal in December instead of waiting until the new year. That way, the amount withdrawn in 2020 will be added back to your available TFSA contribution room on January 1, 2021.



Donate appreciated publicly-traded securities instead of cash for enhanced tax savings. Further, combine all charitable donations for you and your spouse (or common-law partner) and claim these on one income tax return for maximum tax savings. 


*This calendar is for informational purposes only and it is not and should not be construed as professional advice to any individual or business. The information contained in this calendar is based on content believed to be reliable at the time of publication, but is not a guarantee that the information is accurate or complete.  The comments are general in nature and professional advice regarding an individual’s particular tax position should be obtained in respect of any person’s specific circumstances.
* Sources: https://www.bmo.com/nesbittburns  |   https://turbotax.intuit.ca  |  

markets fluctuate

we'll help you stay the course

Providing the value of advice 

Markets are continually changing and understanding how or if it affects you can be overwhelming. That’s why the value of financial advice is more important now than ever before. We aim to help simplify your goals, giving you added confidence in your financial decisions – now and in the future.


Protect what matters most...


It’s not what we have in life, but who we have that matters. With the right Insurance solutions, you can protect the people you care about most with easy-to-understand options that offer peace of mind and put precious time back in your hands. We can provide educated advice and expertise in solutions such as:

  • Life, Health & Travel insurance
  • Disability and Critical illness protection
 Apply online or get a quote now!


Grow your wealth...


Whether you’re investing for the first time, saving for the future or embarking on retirement, we can help you enjoy today while you prepare for tomorrow. Save, Invest and grow your wealth with strategies based on your unique priorities. We can provide educated advice and expertise for your needs, including:

  • Registered retirement plans (RRSP, RRIF)
  • Locked-in retirement account (LIRA)
  • Registered education savings plan (RESP)
  • Tax-free savings account (TFSA)


Leave a legacy for your family and estate...


By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a legacy for your family or loved ones. Depending on your unique situation, there are different ways to achieve your estate planning goals, including business succession, wills, beneficiary designations, powers of attorney, insurance, trusts, tax planning, and charitable gifts. 

Try these Estate Planning Resources.


Grow your future income stream...


Goals-Based Investing focuses on helping you meet your income goals, not about performing against a stock market. Driven by advanced analytics, you can gain confidence in the potential to grow your future income stream. Whether your focus is travel, leisure, family time or reaching new goals, there’s one factor that plays a role in every successful retirement — good planning.

Contact us to get started today!


Attract and retail the best talent...


Find simple, cost effective and tax efficient plans to attract and retain the best talent. Stay competitive as an employer and keep your plan members engaged by helping manage their health and wellness. We will meet with you to assess your needs and explain your options, such as: 

  • Group benefits & Group retirement
  • Group pension 
  • Competitive employee benefits
  • Business and key-person insurance


Bank anywhere, anytime...


Banking today is about instant access – whether you’re paying with a tap, transferring money, depositing a cheque or looking for mortgage options. Manulife Bank has flexible products that  help you achieve your financial goals.  

Learn more about Manulife Bank

Open an Advantage Bank Account Today!

For more information on services and solutions to your financial needs... 


Insightful Videos

Understanding investment income
When it comes to taxation, not all investment accounts are created equal.

Insurance made easy
Getting the protection you need is faster and simpler than ever before.

Business Succession
Build a business succession plan well before it’s needed.

our insights, blogs & publications

from our blog

Loading Posts...

read more articles

stay in touch

contact us to begin securing your financial future

schedule a consultation

To help prepare for this meeting, you should have a basic idea of your current financial picture and financial goals. How are things now? Do you have any concerns? What do you hope to accomplish in the next few years and longer term?

* Required