TVH Group

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TVH Group TvH Group, offering personalized advice in the fields of:

Financial
Accounting
Legal
Mortgages TvH stands for Tortoise versus Hare.

It epitomizes our pragmatic and disciplined approach to bringing best-in-class mortgage brokerage, financial advisory, accounting and legal services to our clients. The partners share the same vision combining precision, patience and passion when working with each client – now and down the road. Our clients are the ultimate beneficiaries of the professional synergies we have built naturally over time and that continue to grow daily. Delivering second-to-none service is an essential part of all that we offer our clients. Service quality defines each partner’s DNA and our clients experience this through the high levels of service we provide. This may involve providing financial advice, accounting expertise, legal guidance or offering manage real estate advice combined with precise execution. The adage, “The whole is greater than the sum of its parts” really applies here. Our service delivery philosophy is based on the business model created by J.P. Morgan and other pioneers in the multi-family business office industry. This is where individuals place their trust in a group of skilled, like-minded trusted advisors who work under one roof to manage their clients’ financial, property acquisition and consolidation, legal, tax management and other affairs. By structuring our firm in this way, we are well positioned to offer clients appropriate advice that brings them comfort.

10/18/2026

Tired of renting? Discover why owning your own piece of property offers unparalleled control over your living situation, a freedom that outweighs the cost savings of renting.

Smart Moves to Maximize Your RRSP Before 65After three decades helping clients shape their retirement strategies, one pi...
10/18/2026

Smart Moves to Maximize Your RRSP Before 65
After three decades helping clients shape their retirement strategies, one pitfall I see too often is the hidden tax burden of large RRSP balances. Once you hit 71, mandatory RRSP withdrawals can significantly increase your taxable income, sometimes even reducing valuable benefits like Old Age Security. That’s why I often recommend a proactive approach: consider making strategic RRSP withdrawals before age 65 and shifting these funds into your TFSA. This can help minimize future tax bills and safeguard your government benefits. As always, a tailored plan makes the difference—your retirement income should work for you, not against you.


https://www.roomvu.com/agent-news/jim-lao/1951047-Smart-Moves-to-Maximize-Your-RRSP-Before-65

Are today’s financial headlines leaving you feeling overwhelmed?Job losses, tariff concerns, and possible rate increases...
10/18/2026

Are today’s financial headlines leaving you feeling overwhelmed?

Job losses, tariff concerns, and possible rate increases can affect household budgets, savings goals, business decisions, and long-term plans.

Join the Money Mindset Mastery Webinar for an important conversation:

“Jobs Are Falling, Tariffs Looming and Rates Might Go Up: The Double-Squeeze Stress Test.”

This session will help you better understand the pressures many people are facing and approach your next financial decision with more clarity and confidence.

Register here and share this with a friend, family member, or colleague who could benefit from the conversation:

https://conta.cc/4yNffjX
or visit tvhfinancial.ca

Imagine Part of Your Mortgage Payment Coming From Dividends Instead of Your PaychequeOne of the most rewarding conversat...
10/17/2026

Imagine Part of Your Mortgage Payment Coming From Dividends Instead of Your Paycheque
One of the most rewarding conversations I have with clients is about turning investments into a reliable income stream—especially when it comes to big monthly commitments like a mortgage. Consider this: the average Canadian mortgage payment is projected to be $2,867 per month by 2026. If you were to invest $1,000 each month in dividend stocks yielding 7%, over 12 years, you could build a portfolio of $225,000. With a 4% withdrawal rate, that portfolio could cover about a quarter of your mortgage payments—meaning a significant portion no longer comes directly from your paycheque. For many, this is the kind of financial flexibility that brings real peace of mind. My focus has always been on helping clients build plans that support their goals and lifestyles, using proven strategies and a client-first approach developed through decades in wealth advising.


https://www.roomvu.com/agent-news/jim-lao/2113959-Imagine-Part-of-Your-Mortgage-Payment-Coming-From-Dividends-

10/17/2026

Emotions can cloud judgment in real estate purchases, leading to costly mistakes. Learn how to make smart investment decisions by staying objective and considering future market changes. Protect your investments from unexpected curveballs.

Does the 4% retirement rule actually work for Canadians, or is it built for Americans?The 4% retirement withdrawal rule ...
10/16/2026

Does the 4% retirement rule actually work for Canadians, or is it built for Americans?
The 4% retirement withdrawal rule is a classic guideline, but how well does it fit Canadian retirees? As someone who’s spent over three decades guiding clients through the nuances of retirement planning, I’m often asked if this rule—originally designed with American circumstances in mind—truly applies here in Canada. The principle suggests withdrawing 4% of your portfolio annually (adjusted for inflation) to sustain a 30-year retirement. However, with the unique structure of Canadian benefits, a more flexible approach—somewhere between 3.5% and 4.5% and layering different income sources—often serves Canadians better. Thoughtful planning and a tailored strategy can make a significant difference in how confidently you approach retirement.


https://www.roomvu.com/agent-news/jim-lao/1940042-Does-the-4%25-retirement-rule-actually-work-for-Canadians%2C-or-

Some episodes stay with you long after the first listen. These ones do.This is a short editorial list from our library, ...
10/16/2026

Some episodes stay with you long after the first listen. These ones do.

This is a short editorial list from our library, picked by one standard. After you listen, you understand your own financial situation differently, not only the facts around it. That is harder to accomplish than simply handing over information, and it is the thread running through everything here.

Having enough strong conversations to choose among them, and a clear reason for the choosing, says something meaningful about the work.

The episode with Kyle from New Look Dental reframes compounding as patient, operational discipline. It is built through deliberate clustering rather than one bold move.

The specialist team versus solo advisor episode surfaces a structural analysis gap most listeners never knew existed. It opens when one generalist handles everything, and knowing it exists changes how you evaluate your own setup.

Which episode on your list has genuinely changed how you think about money? Drop it below.

10/16/2026

Navigating the decision between buying and renting? There's no single right answer. Discover what truly makes sense for your personal journey and financial goals. Give yourself time, and you'll achieve your dreams.

Most people sit down with their finances only when something already feels off.That is the hardest moment to think clear...
10/16/2026

Most people sit down with their finances only when something already feels off.

That is the hardest moment to think clearly about money.

Under pressure, decisions tend to be about getting through the moment. Covering the gap. Making the stress go away. That's understandable, but it rarely leaves space for the bigger questions.

A calm review feels different. With nothing pressing, you have room to think about what you actually want your money to do.

A quiet check in doesn't need a crisis agenda. Three things are enough:

What comes in.
What goes out.
What you're working toward.

Small things are easier to spot this way too. Something noticed early is usually easier to adjust than the same thing discovered after it has had time to grow.

At TvH Financial, we help Canadians manage their personal finances through our tools and services. That includes the stretches when nothing feels urgent.

So if your finances feel fine right now, that's the best reason to take a look.

Pick an ordinary week this month for a calm money check in. And if you'd like a partner for it, get in touch with us at TvH Financial.

What if your income stopped tomorrow?Would your emergency fund be enough? Join our webinar and learn how to build a fina...
10/16/2026

What if your income stopped tomorrow?

Would your emergency fund be enough?

Join our webinar and learn how to build a financial safety net before you need it.

📅 Oct 19 🕔 5 PM ET
visit tvhfinancial.ca to register for webinar

Address

2 Lombard Street Suite 204
Toronto, ON
M5C1M2

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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