Ryan Hammar- Sun Life Financial advisor
94 Bridgeport Roade East N2J 2J9 Waterloo, ON, Canada

What a year 2020 was. I am so blessed for my amazing team. Our team's mantra last year was "Give more in value than we take in payment". With a focus on providing clear financial plans to our family....er clients, we were able to place among our top performing peers. Thank you so much to my team, my clients, and my family for putting up with all the late nights.... 2021 here we come....this year's mantra is "Unflinchingly Positive" #clientsfirst #kudos #team #teamwork #leadership #growth

This week's #Shoutout Friday is Stronger Forever! Although we can't physically be in the gym, this local gym has been keeping us fit virtually! You can get in shape daily through their Facebook live, sign up for their weekly yoga offering or feel the turn twice a week during their speed and agility training. This gym gives you the feel of individualized coaching but with a team environment. Each exercise ensures that you are working out every muscle group every week! All you... have to do is show up and be ready to work! When their doors open up again, be sure to check them out at 420 Weber St N, Waterloo. In the meantime, be sure to check them out on Facebook for your daily exercise.

After a year of which many Canadian incomes were erratic, it’s important to understand which tax bracket you fall into.

4 mortgage rules you should know before buying a house: 1. Don't buy something you know you cannot afford 2. Find the best mortgage broker for you 3.The answer to fixed vs. variable mortgage depends on you... 4. Read your mortgage contract carefully I hope this is helpful for all the first time home buyers out there.

Don't get up on your New Year resolutions just yet! Here are 12 changes you can make eating healthier. 1. Always have healthy meals and snacks on hand 2. Make more home cooked meals 3. Fill half your plate with veggies 4. Make protein a part of all your meals... 5. Buy less processed and packaged foods 6. Cut back on added sugar 7. Try healthy swaps 8. Drink more water 9. Buy what’s in season 10. Don’t be afraid of frozen produce 11. Find healthy versions of your favourite comfort food 12. Remember that small changes still count See more

This week's #Shoutout Friday is LenJo Bakes! This unique bakery is located at 132 Ahrens Street West in Kitchener. I had the chance to try out their homemade cinnamon buns and they were absolutely delicious! They also do cakes and other desserts for every occasion. ... They are currently open from Thursday - Saturday making it the perfect weekend treat. You can order online, walk-in, call ahead or do curbside pick-up. Whatever works best for you. If you haven't been, it's definitely worth a visit! Picture courtesy of LenJo Bakes.

Challenges make you the best version of yourself. #MotivationalMonday

Another happy client. Thank you so much for your kind words.

This week's #Shoutout Friday is The Central Fresh Market! This independent grocery store has been around for more than 50 years and truly has everything you could possibly need. With friendly staff, weekly specials, and a wide selection, you cannot go wrong with doing your weekly shopping there on any day of the week. They are open late (12:00 a.m.) and have one of the largest meat selections you could hope for. ... Located in the heart of #Kitchener, at 760 King Street West. If you haven't been, definitely give them a visit! Picture courtesy of Central Fresh Market

Another client testimonial. Love hearing from my clients. Grateful for every kind word.

Need new ways to save some money? Check out this list.

Looking to increase the value of your home? Check out this list!

Are covid-19 benefits taxable?

Christmas is a almost a month away meaning holiday planning is sure to begin soon. But, unlike every other year, this one will look a bit different. Here are a few tips to help make this holiday season fun and safe for everyone.

New month, new goals.

Since the TFSA was introduced over 10 years ago, 60% of Canadians have opened one. As simple as this account may seem there are a few restrictions to be aware of. Making mistakes could end up being costly. #TFSA #Save

Everything you need to know about CRB (Canada Recovery Benefit).

Lest we forget.