WELCOME TO SMAC
Money Doesn’t Have to Be
Complicated.
Simple tools.
Practical guidance.
Smarter money decisions.
Have a question or want a second opinion? I’m happy to help.
WELCOME TO SMAC
Money Doesn’t Have to Be
Complicated.
Simple tools.
Practical guidance.
Smarter money decisions.
Have a question or want a second opinion? I’m happy to help.
About
Hi, I'm Sharon!
I created Simple Money Advice for Canadians because I believe Canadians deserve to understand their financial options before making important decisions.
With so much advice and information available, it can be difficult to know what's right for you. And what works for someone else may not necessarily fit your situation.
Simple Money Advice for Canadians is here to make learning about insurance, mortgages, debt, and everyday finances simpler, clearer, and less overwhelming.
Explore free tools, learn at your own pace, and take your next step with confidence.
What's My Next Money Move?
I’ll start with what matters to me most and explore simple tools and resources that can help me understand my options, feel more confident, and take my next step.
Grow
My Money
I want to know how RRSPs, TFSAs, FHSAs and RESPs can fit into my plans—and explore other ways to save, invest, and grow my money for the future.
“Small steps with my money today can help build the future I want.” ✨
My Money Options:
Invest for My Future - RRSP, TFSA & Other Investments
Save for My First Home - FHSA
Save for My Child(ren)'s Future - RESP - Education Savings
Protect
My Family
I want to understand how financially prepared and protected my family may be if illness, injury, loss of income, or the unexpected changes our plans.
“Life can change unexpectedly. My family’s financial protection doesn’t have to be left to chance.” 💕
My Protection Options:
Term & Permanent Life Insurance
Critical Illness Insurance
Disability Insurance
My Home
I want to understand my mortgage options and feel more prepared for my first home, next home, renewal, or refinance.
“My home goals start with understanding what’s possible.” ✨
My Mortgage Options:
Purchase
First-Time Homebuyer
Renewal
Refinance
Prepare for
My Future
I want to plan ahead for myself and my family, feel more prepared for the future, and take simple steps today to help protect the people I love and the life we’re building together.
“I can’t predict every tomorrow, but I can take steps to feel more prepared for it.”
My Future Planning Options:
Final Expense Planning
Wills Preparation
Take Control of
My Debt
I want to explore ways to reduce or consolidate my debt, simplify my payments, improve my cash flow, and understand my options—whether my credit is strong, needs some work, or somewhere in between.
“My past doesn’t define my financial future. Every step forward counts.” 🌱
My Debt Control Options
Consolidate My Debts
Improve My Cash Flow
Explore My Options After Credit Challenges
My Travels
I want to explore travel insurance options for my own trips and cruises, relatives visiting Canada, and students— and feel more prepared for unexpected medical emergencies, trip cancellations, interruptions, and other surprises along the way.
“I’ll focus on the adventure—and feel better knowing I’ve planned for the unexpected.”
My Travel Protection Options:
Canadians Travelling Outside Canada
Visitors to Canada
Super Visa for Parents and Grandparents
International Students
TAKE MY FREE
Assessment
I’ll answer a few simple questions, get a clearer picture of where I stand, and discover practical insights that can help me decide what to explore next.
Family Protection
Assessment
I want to see how financially prepared and protected my family is—and discover where I’m doing well and where I may want to strengthen my plan.
Mortgage Readiness
Assessment
I want to see how ready I am for my next mortgage move—and discover what I may want to work on before buying, renewing, or refinancing.
Debts and Credit
Assessment
I want to understand my debts and credit, find ways to improve my finances, feel more in control of my money, and build a better financial future.
Money Growth
Assessment
I want to see how I’m currently saving and growing my money—and discover opportunities that may help me move closer to my future goals.
Money Toolkit
Simple tools to help me organize my money, understand my options, and take my next step - one step at a time.
My Budget Planner
I want a simple way to see where my money is going and plan ahead.
My Mortgage Document Checklist
I want to know what documents I may need before applying for a mortgage.
My Debt Repayment & Savings Calculator
Compare my credit card payments with debt consolidation options, explore potential interest savings, and discover ways to free up my monthly cash flow.
My Home Payment Calculator
How much home can I afford? Explore my estimated mortgage payments, down payment, closing costs, and overall home purchase budget—all in one place.
My Budget Planner
I want a simple way to see where my money is going and plan ahead.
My Mortgage Document Checklist
I want to know what documents I may need before applying for a mortgage.
My Debt Repayment & Savings Calculator
Compare my credit card payments with debt consolidation options, explore potential interest savings, and discover ways to free up my monthly cash flow.
My Home Payment Calculator
How much home can I afford? Explore my estimated mortgage payments, down payment, closing costs, and overall home purchase budget—all in one place.
My Budget Planner
I want a simple way to see where my money is going and plan ahead.
My Mortgage Document Checklist
I want to know what documents I may need before applying for a mortgage.
My Debt Repayment & Savings Calculator
Compare my credit card payments with debt consolidation options, explore potential interest savings, and discover ways to free up my monthly cash flow.
My Home Payment Calculator
How much home can I afford? Explore my estimated mortgage payments, down payment, closing costs, and overall home purchase budget—all in one place.
LEARN WITH
Sharon
Simple explanations on real money topics - so I can finally understand, make confident decisions, and feel more in control.
Saving & Investing
Learn about RRSP, TFSA, FHSA, RESP and other ways I can save and grow my money.
Home Buying & Morgages
Understand the home buying process, mortgage options, refinance and more.
Insurance & Family Protection
Learn about Life Insurance, Critical Illness, Disability, Family Insurance and more.
Travel & Lifestyle
Get simple guides and tips for travelling within and outside Canada, visitors to Canada, travel insurance, and more.
Simple Tools. Practical Guidance.
Smarter Money Decisions
Let's Explore
Important
