2021 (12)

CRA Help Is Just A Call Away

Maybe it will work, we often find it takes 3-6 hours to get through to CRA for questions regarding a clients tax returns. Nice the government is making the effort to redirect resources to the highest priorities, those that probably do not need the help. Looking at the list, it's a big list of help.  Have fun :)  

 

Date issued: Feb 22, 2021

 Let us help you with your taxes!

The Canada Revenue Agency (CRA) is offering a free service called File my Return that lets you file your 2020 income tax and benefit return quickly and securely over the phone. We sent you this letter as we believe you are eligible for the service.

All you need to do is confirm the information we have in our records below and provide some additional information over the phone to make sure you get all the deductions and credits to which you are entitled. During the call you will be asked questions. In most cases, you will need to press 1 for yes and 2 for no. At the end of the call you will be asked to confirm. This will allow the CRA to accept your answers and process your tax return. This call will take from 5 to 10 minutes to complete.

We hope you find this service helpful.

In order to use the File my Return service, you need to take the following steps.

Step 1 - Determine if you qualify:

Confirm that the following information is correct.

Part A - Identification:

- Your marital status did not change in 2020
- Your province/territory of residence did not change in 2020
- Your address has not changed
- You did not own foreign property worth more than $100,000 in Canadian funds
- You did not sell your principal residence in 2020

Part B - 2020 Income:

You only have income from one or more of the following sources:

Benefits
- Old Age Security - T4A(OAS)
- Guaranteed Income Supplement (GIS) / Net Federal Supplements - T4A(OAS)
- Canada or Quebec Pension Plan benefits (including disability benefits) - T4A(P)

Employment and related income supports
- Statement of Remuneration Paid - T4
- Employment Insurance Benefits - T4E
- Workers' Compensation Benefits - T5007
- Social Assistance Payments - T5007
- Canada Emergency Benefits declared on the Statement of Pension, Retirement, Annuity, and Other Income - T4A

Investment income
- Statement of Investment Income, Interest Income only - T5 (box 13)

If you have income from any source other than those listed above, please do not use File my Return.

Note: You also cannot use File my Return if you:
- want to stop contributing to the Canada Pension Plan (CPP)
- want to cancel a previous contribution to the CPP
- have tax exempt income
- are claiming an RRSP deduction, carrying charges and interest expenses, other employment expenses, or a clergy residence deduction

If all of the information in Parts A and B is correct, you are eligible to use the File my Return service and will continue to Step 2.

If anything in Parts A or B is not correct, you are not eligible to use File my Return this year, but you may:

- File online using certified tax-filing software, some of which are free. Learn more at canada.ca/netfile.
- Get help to file your return through our Community Volunteer Income Tax Program. For more information about the program, go to canada.ca/taxes-help.

Step 2 - Get your information ready:

Before you call us, you will need:

1. your social insurance number
2. your date of birth
3. the information you need to apply for benefits and credits, as applicable (You will find an asterisk (*) next to the information that you will need to provide over the phone.)
4. your spouse's net income, if married or common-law

Note: All references to spouse refer to your spouse or common-law partner, whichever applies. The spousal net income amount is used in the calculation of the Canada child benefit, the goods and services tax / harmonized sales tax credit, the social benefits repayment, and certain federal and provincial credits. Report this amount, even if it is zero.

Step 3 - File my Return call:

This service opens on Monday, February 22, 2021, at 12 pm, Eastern Time. When you are ready, call us at 1-800-959-1110. You will be prompted to provide information from Step 2.

You can hang up at any time during the call. If you do that, your information will be not be saved and your return will not be filed.

For individuals who are residents of Québec, the service only completes the federal portion of the income tax and benefit return. The Québec provincial tax return is handled separately by Revenu Québec, and will need to be filed separately.

If you have any questions about the File my Return service, you can call our individual enquiries line at 1-800-959-8281 or go to canada.ca/file-my-return.

Thank you for using File my Return. All you need to do now is wait a few days for your notice of assessment!

Information we need to calculate your benefits and credits

During your call you will be prompted to answer questions to claim the benefits and credits listed below. Review the questions carefully to ensure they apply to you and ensure you have this information with you when you call. You will find an asterisk (*) next to the information you will need to provide over the phone.

Ontario trillium benefit

You may be eligible for the Ontario trillium benefit (OTB), which includes the following credits:

- Ontario sales tax credit
- Ontario energy and property tax credit
- Northern Ontario energy credit

You must be eligible for at least one of these credits to receive the OTB.

The 2021 OTB payments will be issued monthly, from July 2021 to June 2022. However, you can choose to wait until June 2022 to get your 2021 OTB in one payment, instead of receiving it monthly.

During the call you will be asked if you want to receive your OTB benefit in one payment at the end of the benefit year, in June of next year, instead of receiving it monthly. To choose one payment, press 1 for yes or 0 for no. If your 2021 OTB is $360 or less, we will issue one payment in July 2021.

Ontario senior homeowners' property tax grant

You may also be eligible for the Ontario senior homeowners' property tax grant (OSHPTG) for 2021 if, on December 31, 2020, you met both of the following conditions:

- you were at least 64 years of age or older
- you owned and occupied a principal residence in Ontario that you, or someone on your behalf, paid property tax on for 2020

Information required to claim these benefits

If you are married or common law, only one of you can claim these benefits. However, if you and your spouse or common-law partner occupied separate principal residences for medical reasons on
December 31, 2020 you can apply individually or as a couple.

If you are claiming the OTB and/or the OSHPTG, gather the information below about your principal residence before you call:

* Enter the total rent paid (including amounts paid to a private long-term care home)

* Enter the total property tax paid

* Enter the total energy costs paid, if you lived on a reserve

* Enter the total accommodation costs paid to a public, or non-profit, long-term care home

Ontario seniors' public transit tax credit

You may be eligible to claim the refundable Ontario seniors' public transit tax credit, if you met all of the following conditions:

- you were 65 years or older on December 31, 2019
- you were a resident of Ontario at the end of the year
- you paid for eligible public transit services that you used in 2020

An eligible public transit service is one that is operated by the Government of Ontario or one of its municipalities, that is:

- a short-haul service an individual typically uses for a single return trip
- offered to the general public
- operated by bus, subway, train or tram

Specialized transit services that are designed to transport people with disabilities are also eligible even if they do not meet the criteria for eligible public transit services.

You can claim the Ontario seniors' public transit tax credit for qualifying payments you made for the use of eligible public transit services in 2020. A qualifying payment is an amount paid for:

- a public transit pass for a set number of rides in at least one day
- a public transit pass for an unlimited number of rides
- an electronic payment card
- a single-use ticket or token if a receipt was issued
- cash fare for specialized transportation services offered to people with disabilities if a receipt was issued

Did you take public transit in 2020? If yes, you will need to gather the information below before you call:

* Enter the total transit costs (the amount you paid in 2020 to use Ontario public transit services)

Climate action incentive

The climate action incentive (CAI) is a refundable amount that can be claimed when filing your return. The CAI can only be claimed for your family by you, your spouse or common-law partner, but not both of you.

You can claim the CAI for you and your family if you were a resident of Ontario on December 31, 2020, and you met any of the following conditions:

- you were 18 years of age or older
- you had a spouse or a common-law partner
- you were a parent who lived with your child

You can also claim the CAI for a qualified dependant who was under 18 years of age and resided with you on December 31, 2020Qualified dependants include:

- your child or your spouse's or common-law partner's child or
- a person who was dependent on either one of you for support

A person is not a qualified dependant if they were:

- married or living common-law
- a parent who lived with their child on December 31, 2020

In a shared custody situation, only one claim can be made for each child. You cannot split the amount for a qualified dependant with another person.

You cannot claim the CAI if you meet any of the conditions below. In addition, you cannot claim the CAI for your spouse, common-law partner, or a dependant if they meet any of these conditions:

- were non-residents of Canada at any time in 2020
- were confined to a prison or a similar institution for a period of at least 90 days during 2020
- do not have to pay tax in Canada at any time in 2020 because either of you were an officer or a servant of the government of another country, such as a diplomat, or a family member who resided with such a person, or an employee of such a person
- were a person for whom a children's special allowance was payable at any time in 2020
- passed away before April 1, 2021

Depending on your situation, you may be prompted to answer up to 5 questions, entering Yes or No or entering a number. Based on your answers, you could get:

$300 for yourself
$150 for your eligible spouse or common-law partner
$150 if you are a single parent and have a qualified dependant
$ 75 for each qualified dependant

If you resided anywhere in Ontario that is outside of the Barrie, Belleville, Brantford, Greater Sudbury,Guelph, Hamilton, Kingston, Kitchener-Cambridge-Waterloo, London, Oshawa, the Ontario part of Ottawa-Gatineau, Peterborough, St. Catharines-Niagara, Thunder Bay, Toronto or Windsor census metropolitan area as defined by Statistics Canada, your climate action incentive will include a 10% supplement.

For more information or to determine if you qualify, contact us at 1-800-959-8281.

Canada workers benefit

The Canada workers benefit (CWB) is a refundable tax credit that provides tax relief for eligible low-income individuals and families who are in the workforce. The CWB includes a disability supplement for individuals who have an approved Form T2201, Disability Tax Credit Certificate, on file with the CRA.

You may be eligible to claim the CWB, if you met all of the following conditions in 2020:

- you were a resident of Canada throughout the year
- you earned income from employment
- at the end of the year, you were 19 years of age or older, or you resided with your spouse or common-law partner, or your child

You cannot claim the CWB for 2020 if any of the following applies to you:

- you were enrolled as a full-time student at a designated educational institution for a total of more than 13 weeks in the year, unless you had an eligible dependant at the end of the year
- you were confined to a prison or similar institution for a period of 90 days or more during 2020
- you do not have to pay tax in Canada because you were an officer or a servant of the government of another country, such as a diplomat, or a family member or an employee of such a person

Note: If you had an eligible spouse, only one of you can claim the basic CWB. The person who received the CWB advance payments for 2020 is the person who must claim the basic CWB for the year. If you had an eligible dependant, only one person can claim the basic CWB for that eligible dependant.

An eligible spouse is a person who meets all the following conditions:

- was your cohabiting spouse or common-law partner on December 31, 2020
- was a resident of Canada throughout 2020
- was not considered ineligible due to any of the conditions in the "You cannot claim" section above

An eligible dependant is a person who meets all the following conditions:

- was your or your spouse's or common-law partner's child
- was under 19 years of age and lived with you on December 31, 2020
- was not eligible for the CWB for 2020

You can claim the basic CWB if your working income or the total of your and your eligible spouses' working income is more than $3,000.

If you had an eligible spouse and one of you is eligible for the disability tax credit, that person should claim both the basic CWB and the CWB disability supplement. If you had an eligible spouse and both of you are eligible for the disability tax credit, only one of you can claim the basic CWB. To be eligible for the CWB disability supplement, your working income must be more than $1,150.

The maximum payment you can expect to receive from the CWB is dependent on the province you live in.

If you are eligible for the CWB disability supplement, it will be automatically included for you if you qualify. Depending on your situation, you may be prompted to answer up to three questions, entering yes or no. If you are claiming an eligible spouse, you will need the following information before you call:

* Enter your spouse's employment income.

Read more…

Super Bowl Reflections

Good Afternoon, You probably noticed during the commercial breaks two common themes: Jon Hamm from Skip the Dishes and Questrade. Despite spending a lot of money to air during the Super Bowl, Questrade’s investment track record leaves a lot to be desired. Every Questrade portfolio has consistently underperformed their fund category. And thanks to their ads, We found it a little difficult to sit back and enjoy the game without being offended by the question: “You’re not still investing with Mom and Dad’s guy, are you?” “The lower fees are making a big difference.” Are you sure? Over the years, Questrade has focused on shifting the entire investment conversation to costs (which I suppose is no surprise given their relatively poor investment returns). As such, their misguided basis is a simple calculation of who paid the least amount in fees. Don’t get me wrong, we’ve always said that costs are important. It’s one of the reasons we deliver industry-leading fees to our clients. But don’t the actual investment results matter? With that we have put together some charts (see below) based on data last year from Dalbar. This survey indicates that investors have an increasing level of trust and confidence in their financial advisor. The same survey also showed that investors are placing increasing value on financial advice.

Attached is a client-friendly Questrade comparison.

qestrade-investment-outcome.pdf

We take a fact-based approach in comparing the RBC Select Portfolios with that of Questrade We hope that this is helpful. Thank you, Val Your RBC Global Asset Management Team 8533514267?profile=RESIZE_710x

 

In case your compliance cruising, full stop, see, read, digest disclosure  

https://improvingfutures.ning.com/blog/peak-dealership-representative-disclosure

READ THE FINE PRINT

https://improvingfutures.ning.com/blog/peak-dealership-representative-disclosure

Read more…

NEW BLUE Update Feb 2021

Received this email today from the New Blue Party, life happens to everyone folks. Many concerns circulate in society today, everyone should look the options and opinions of others. We should go after the problem, not the people, look at possible solutions. Here is one to consider provincialy. TLR

   

"Dear Timothy,

Thank you for signing up to receive emails regarding the New Blue Party of Ontario!

On January 7th, 2020, the New Blue Party of Ontario became an official registered party with Elections Ontario! An exciting development!

During the process of obtaining official party status, with your support, we also successfully forced the PC government to back down and remove section 8 from their government legislation - Bill 213.  https://www.newblueontario.com/leadership-recap

Section 8 was the PC government's attempt at amending the Marriage Act to give a single cabinet minister the power to revoke the marriage licence of a church officiant if it was deemed to be "in the public interest" and to create - behind closed doors - a "Code of Practice" that every marriage officiant would have to adhere to.

In less than three months, thanks to your support, we were able to stop the PC government's attack on religious freedom and achieve registered party status with Elections Ontario for the New Blue Party of Ontario.

So, why haven't you heard from us in a while?

In early December, I was confronted with another battle - more grave than anything I have encountered before.

After a couple of months of knee pain, doctors diagnosed a tumour in my femur. A biopsy confirmed it was osteosarcoma - a type of bone cancer that has no known causes and that typically affects younger people like the late great Terry Fox.

The good news is the prospects of curing and surviving the illness are much greater today than they were when Terry Fox was diagnosed.

Within days of my diagnosis, I began aggressive chemotherapy treatment that I am half-way through completing. The treatment has been very difficult but over the last few days I have been feeling the best I have in a long time. In the near future, I will also be undergoing major surgery.

The doctors have told me they are treating my diagnosis as curable and it is their hope that the treatment and surgery will rid me of this terrible disease.

As difficult as the last two months have been, I have been grateful to have my wife, Belinda Karahalios, with me, every step of the way. She has looked after me while fulfilling her job as the first New Blue Party MPP at Queen's Park and looking after our young son.

When I waver in my faith, Belinda is there to remind me - the best is yet to come.

Many of you continue to face tremendous adversity and hardship during the continued lockdown. This is in addition to years of tax and spend policies under successive Liberal governments that have been continued under the PC government.

We are committed to continuing to build the New Blue Party of Ontario in time for Ontario's next election scheduled for June 2nd, 2022. We remain resolute in overcoming my current diagnosis and restoring hope for Ontario with a NEW and BLUE political party that respects the taxpayer, small business, and our churches.

Some have emailed to ask my thoughts on latest developments in Canadian politics. Just prior to my diagnosis, I mailed a letter thanking supporters from my candidacy in the 2020 Conservative Party of Canada leadership race. The letter outlines many of the issues with the so-called "conservative" parties at the federal and provincial levels. If you didn't receive the letter, click here for a copy.

I will write to you again soon with next steps on how you can help us build the New Blue Party of Ontario.

The best is yet to come!

Jim Karahalios
New Blue Party of Ontario


P.S. BE ONE OF THE FIRST TO CONTRIBUTE! Now that the New Blue Party of Ontario has been registered with Elections Ontario, your donation will be eligible for a generous tax credit! If you would like to be one of the first contributors to the New Blue Party visit https://www.newblueontario.com/donate to donate to the New Blue Ontario Fund!


Live in Ontario? DONATE TO THE NEW BLUE ONTARIO FUND TODAY!

P.P.S. Only Ontario residents can donate to the New Blue Party of Ontario. If you live outside of Ontario and would like to help, you can donate to our legal fund which continues to fight the electoral fraud that took place at the 2018 Ontario PC Party convention. Visit https://www.jimkarahalios.ca/donate.


Live outside of Ontario? DONATE TO OUR LEGAL FUND TO FIGHT AGAINST ELECTORAL FRAUD!

 

Copyright © 2021 Jim Karahalios, All rights reserved.
You are receiving this email because you have communicated with Jim Karahalios before or signed up through his website!

Our mailing address is:
Jim Karahalios
PO Box 20046
Cambridge Centre - 355 Hespeler Road
Cambridge, On N1R6B0
Canada

Add us to your address book


Want to change how you receive these emails?
You can update your preferences or unsubscribe from this list.

 

 

The tax benefits of donating to a provincial registered  political party are different than federal, both should be looked at, see links below, note Ontario Political are refundable , so even if you have no taxable income you get a real credit ! 

 

https://www.taxtips.ca/filing/politicalcontributions.htm

https://www.taxtips.ca/filing/provincial-political-contribution-tax-credit.htm

 

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FAQ 2021

https://www.ratehub.ca/investing/rrsp-rules

There is a maximum age for RRSPs. When Canadians reach the age of 71 they must close down their RRSPs at the end of the calendar year. Those who have RRSPs have three options when they reach 71. They can:

  • Collapse the RRSP entirely. In practice, this means withdrawing all the money in the account
  • Use the money in the RRSP to purchase what’s known as an annuity
  • Convert the RRSP into a RRIF

 

You can not invest directly into a RIF, it has to flow through an RSP. So if your older than 71, you can not contribute to a RSP and so you can not shelter money into a RIF either. 

 

One can invest into a TFSA at these ages though. 

 

 For some tax tips for 2020

https://improvingfutures.ning.com/blog/tax-reminders-for-2020-taxes

 

When Can taxes be filed this year ?

The EFILE program is now closed for the electronic filing of your clients’ initial and amended T1 personal income tax and benefit returns.
EFILE and ReFILE services will re-open on Monday, February 22, 2021.

 

NEW CLIENT ONBOARDING FOR TAXES

  1. Once we get T1013 processed with CRA we can continue
  2. Next will send them an engagement letter once cra authorization is in place
  3. Then we can down load prior yr to start comparisons so we do not miss anything
  4. Review prior year physical tax returns for familiarity of file
  5. Get 2020 info as available from client or cra
  6. Finalize tax returns, review any items of concern with client
  7. Get T183 signed
  8. Process tax return with CRA
  9. Check assessment once processed, compare with submission
  10. Documents along with tax return and assessment to be given to client, copy may be scanned if business, rental, or emailing to client or high probability of return to e required in future for third party, ie mortgage renewals, etc.

 

 

Read more…

Peak Press 2021

LaPresse_PEAK now targets $20 billion in assets under management_translation by DeepL.pdf

 

http://docs.peakgroup.com/news_letter/Documents/2021/01-janvier/LaPresse_PEAK%20now%20targets%20%2420%20billion%20in%20assets%20under%20management_translation%20by%20DeepL.pdf

https://www.lapresse.ca/affaires/2021-01-16/gestion-de-patrimoine/peak-vise-maintenant-20-milliards-de-dollars-d-actif-sous-gestion.php

Read more…

Bidding The Biden

On Saturday, President-elect Joe Biden’s chief of staff, Ron Klain, outlined Biden’s plans for his first few days in office.

The primary theme: Donald who? The measures Biden plans to enact are geared toward undoing some of President Trump’s most controversial policies. That includes 1) scrapping the travel ban on majority-Muslim countries 2) rejoining the Paris Agreement and 3) establishing a path to citizenship for 11 million undocumented immigrants. Biden also plans to cancel the Keystone XL pipeline permit on his first day, CBC News reported yesterday.

The second theme: addressing the pandemic. To that end, Biden plans to 1) issue a mask mandate for all interstate travel and on federal property and 2) push for a meaty new round of stimulus. 

  • Last week, he outlined plans for a $1.9 trillion stimulus bill. But remember, Congress controls the governmental purse strings, so Biden and his entourage will have to work with folks on Capitol Hill, including members of the opposing Republican Party. 

Zoom out: The average fingernail among Biden staffers probably isn’t in great shape. The administration will take office amid a triple threat of economic, public health, and social crises. 

 

Read more…

A Little Silver Lining

"A silver lining is a sign of hope or a positive aspect in an otherwise negative situation. The phrase is often seen as part of the proverb Every cloud has a silver lining, meaning that there's hope or something good to be found in every bad situation."

With excess returns, interest goes up. Silver is one of them that comes to mind today.  A recent inquiry from a dear old friend of mine brings up this topic today and the basic research done to respond with some sense of duty. 

Dear friend, I hope you have had a chance to check out the link I sent yesterday. Silver is up 127% from it’s low point last year, for a return of 47.4%. It was one of the fast growing asset classes last year. I am not sure about your thoughts of investing directly in silver.  1000 ounces works out to be a lot of money, getting you in the  $35,000 range is a lot to specialize with.  It might be fun to own a little silver, but that would be the extent of it for me. If you do get some, I would buy 5-10 Ounces from you.

I am not going to give you any advice on this. Sounds like your doing your own research.   

Here is a few  links that I found which I found interesting.

https://www.bullionvault.com/silver-price-chart.do

 

https://www.kitco.com/charts/livesilver.html

 

https://moneyweek.com/investments/commodities/silver-and-other-precious-metals/601707/silver-price-boom-or-bust

 

https://investingnews.com/daily/resource-investing/precious-metals-investing/silver-investing/what-was-the-highest-price-for-silver/

 

“Silver hit US$48.70 per ounce, the highest silver price to date, towards the end of the 1970s. The metal’s bid price was driven by the Hunt brothers, two wealthy traders who attempted to corner the market by buying not only physical silver, but also silver futures. They then took delivery of that silver instead of taking legal tender in the form cash settlements. Their exploits ultimately ended in disaster: On March 27, 1980, they missed a margin call and the silver market price plunged to US$11.”

 

Silver is an interesting asset, it is on the high risk level of a portfolio, as other precious metals are.  Here is a group of charts in our system that you may also find interesting .

 

https://www.visualcapitalist.com/?s=silver

  

Here is a link to the Dynamic Precious Metal Fund, I am attaching a Fund Fact sheet as well. If you would like to invest some money in this portfolio, we could meet to discuss this. This is the F series of the portfolio and our advisory fee per year would range from 1 to 1.5 % depending on volume invested.  There is other portfolio’s available, I think this would be representative of the asset class , and  this is not a deep dive into the asset class. This portfolio is more diversified than a direct silver only fund. Less risk, similar reasons for increased demand for precious metals.  

 

https://funds.dynamic.ca/fundprofiles/en-US/H81K/F/CAD

 

Manager of the portfolio

https://dynamic.ca/en/talent/investment-teams/portfolio-managers/equity-income/robert-cohen.html

 

Hope this helps you with your decision’s , please  let me know if you would like to pursue this further.

Thanks

Tim

 
Subject: Metal info

 https://www.visualcapitalist.com/how-every-asset-class-currency-and-sp-500-sector-performed-in-2020/

 

Timothy Ross, Family Advisor, CEO & Founder, Brock Shores Financial

Mutual Funds offered through PEAK Investment Services Inc.

This transmission is intended solely for the individual or entity to whom it is addressed and is confidential in nature.  Please be advised that any distribution, reproduction or other use of this document by anyone other than the addressee is strictly prohibited.  If you have received this communication in error, please notify us immediately.  Thank you for your assistance

 

Brock Shores Financial / Timothy Ross & Associates , Family Office Providing Omega Stewardship

4502 Airport Road – Tincap, GTA Professional Center,  Elizabethtown, Ontario K6T 1A2

613-345-0016 Office   613-213-4625 Cell/Text    613-345-5231 Fax   advisor@timothyross.com  

Executive Assistant: Heather Kiley assistant@timothyross.com

Office Manager: Megan Ross megan@timothyross.com

 

Mission - Vision – Core Values   “Serving our clients and community since 1988” 

 

OMEGA STEWARDSHIP

* One Stop Process Driven Approach for Retirement & Income Planning

* Personalized Tax Management Solutions for Individuals & Business Owners

* Confidential Wealth Management Solutions 

 

www.BrockShoresFinancial.ca  www.TimothyRoss.com  #ImprovingFutures   www.ImprovingFutures.ca

 

Helping Families Achieve ... Life's Major Goals

  1. Tax Smart Planning & Investing               
  2. Worry Free Retirement               
  3. Education of Our Children & Grandchildren               
  4. Quality Care for Our Parents               
  5. Meaningful Financial Help for Our Loved Ones               
  6. Meaningful Legacy

 

Member of Advocis, The Financial Advisors Association of Canada

Member of IFB,  Independent Financial Brokers of Canada

Member of RIA, Responsible Investment Association

Member of the Rotary Club of 1000 Islands, Paul Harris Fellow

 

We value your business, please leave a review on our Bark profile

https://www.bark.com/en/company/brock-shores-financial/q2aev/?show_reviews=true

Have a Blessed Day!   "People influence People”

 

https://improvingfutures.ning.com/blog/peak-dealership-representative-disclosure

 

“I told myself that some families we get without asking, while others we choose.
And I chose those two. I think that’s what you’d call a silver lining.”
― Jenny Valentine, Broken Soup


“It was a melancholy day indeed when the sister of solitude was Sunday's silver lining.”
― Alethea Kontis, Enchanted

 

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