{"id":2239,"date":"2026-03-22T16:14:02","date_gmt":"2026-03-22T16:14:02","guid":{"rendered":"http:\/\/altafina.com\/guides-and-tools\/"},"modified":"2026-09-26T15:46:34","modified_gmt":"2026-09-26T15:46:34","slug":"guides-and-tools","status":"publish","type":"page","link":"https:\/\/altafina.com\/en\/guides-and-tools\/","title":{"rendered":"Guides and tools"},"content":{"rendered":"\r\n\r\n<section class=\"section section--banner lws-animate-section\">\r\n    <div class=\"block block-banner\">\r\n        <div class=\"hero background-image\">\r\n                            <div class=\"hero-background\">\r\n                                            <picture>\r\n                            <source media=\"(min-width:1536px)\"\r\n                                    srcset=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/05\/projection-sample-2048x1365.png\">\r\n                            <source media=\"(min-width:1024px)\"\r\n                                    srcset=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/05\/projection-sample-1536x1024.png\">\r\n                            <source media=\"(min-width:768px)\"\r\n                                    srcset=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/05\/projection-sample-1024x683.png\">\r\n                            <img decoding=\"async\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/05\/projection-sample-768x512.png\" alt=\"\">\r\n                        <\/picture>\r\n                    \r\n                                    <\/div>\r\n            \r\n            <div class=\"container relative\">\r\n                \r\n                <div class=\"hero-content flex flex-col items-center justify-center relative z-20 lws-fade-item\">\r\n                                            <div class=\"title-holder no-content\">\r\n                                                        <h1> Our free tools and guides<\/h1>\r\n                                                    <\/div>\r\n\r\n                        \r\n                                                            <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/section>\r\n\r\n    <section id=\"ressources-24\" class=\"section section-ressources palette-soft lws-animate-section\">\r\n    <div class=\"block block-ressources block-dynamic-posts\">\r\n      <div class=\"container\">\r\n\r\n        <div class=\"lws-flex-column lws-gap-small lws-fade-item text-center mx-auto\">\r\n          <h2>Guides<\/h2>\r\n        <\/div>\r\n\r\n        <div class=\"cards flex flex-wrap gap-6 pt-8\"\r\n             data-posts-container\r\n             data-query=\"{&quot;post_type&quot;:&quot;lws-ressource&quot;,&quot;tax_query&quot;:[{&quot;taxonomy&quot;:&quot;ressource-type&quot;,&quot;terms&quot;:&quot;24&quot;}]}\"\r\n             data-per-page=\"5\"\r\n             data-offset=\"5\">\r\n\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n    \r\n    <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/ressources\/10-questions-to-ask-before-choosing-a-financial-advisor\/\" title=\"10 Questions to Ask Before Choosing a Financial Advisor\"><\/a>\r\n\r\n\r\n    <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/09\/argent-sur-fond-bleu-af-1024x441.png\" alt=\"10 Questions to Ask Before Choosing a Financial Advisor\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">10 Questions to Ask Before Choosing a Financial Advisor<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        This guide helps you objectively compare advisors to find the right fit for your needs.      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n    \r\n    <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/ressources\/practical-guide-to-travel-insurance\/\" title=\"Practical Guide to Travel Insurance\"><\/a>\r\n\r\n\r\n    <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/07\/voyage-1024x683.jpg\" alt=\"Practical Guide to Travel Insurance\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">Practical Guide to Travel Insurance<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        AMF&#8217;s practical guide for your next trip.      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n    \r\n    <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/ressources\/practical-guide-understanding-tax-brackets\/\" title=\"Practical Guide: Understanding Tax Brackets\"><\/a>\r\n\r\n\r\n    <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/03\/lespaliers-e1789795173153-1024x667.jpg\" alt=\"Practical Guide: Understanding Tax Brackets\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">Practical Guide: Understanding Tax Brackets<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        Understanding Tax Brackets in Canada and Quebec.      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n    \r\n    <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/ressources\/your-2025-tax-guide-important-information%f0%9f%9a%a9\/\" title=\"Your 2025 Tax Guide : Important Information\ud83d\udea9\"><\/a>\r\n\r\n\r\n    <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/05\/guide-impot-2025.png\" alt=\"Your 2025 Tax Guide : Important Information\ud83d\udea9\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">Your 2025 Tax Guide : Important Information\ud83d\udea9<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        Here is some important information for your 2025 income tax return, including several helpful guides on how to access and retrieve your documents.      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n    \r\n    <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/ressources\/how-to-access-your-quebec-pension-plan-qpp-statement-online\/\" title=\"How to Access Your Qu\u00e9bec Pension Plan (QPP) Statement Online\"><\/a>\r\n\r\n\r\n    <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/05\/retraite-qc-1024x538.jpg\" alt=\"How to Access Your Qu\u00e9bec Pension Plan (QPP) Statement Online\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">How to Access Your Qu\u00e9bec Pension Plan (QPP) Statement Online<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        Our guide : How to get your QPP statement from Retraite Qu\u00e9bec.      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n          \r\n        <\/div>\r\n\r\n                  <div class=\"flex justify-center pt-8 lws-fade-item\">\r\n            <button class=\"button opaque-color-main js-load-more\"\r\n                    data-per-page=\"5\"\r\n                    data-offset=\"5\">\r\n              <span>Load more<\/span>\r\n            <\/button>\r\n          <\/div>\r\n        \r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n    <section id=\"ressources-23\" class=\"section section-ressources palette-soft lws-animate-section\">\r\n    <div class=\"block block-ressources block-dynamic-posts\">\r\n      <div class=\"container\">\r\n\r\n        <div class=\"lws-flex-column lws-gap-small lws-fade-item text-center mx-auto\">\r\n          <h2>Outils<\/h2>\r\n        <\/div>\r\n\r\n        <div class=\"cards flex flex-wrap gap-6 pt-8\"\r\n             data-posts-container\r\n             data-query=\"{&quot;post_type&quot;:&quot;lws-ressource&quot;,&quot;tax_query&quot;:[{&quot;taxonomy&quot;:&quot;ressource-type&quot;,&quot;terms&quot;:&quot;23&quot;}]}\"\r\n             data-per-page=\"5\"\r\n             data-offset=\"5\">\r\n\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n    \r\n    <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/ressources\/change-of-address-complete-list-of-organizations-to-notify-in-quebec\/\" title=\"Change of address: Complete list of organizations to notify in Quebec\"><\/a>\r\n\r\n\r\n    <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/05\/changement-adresse-demenagement.png\" alt=\"Change of address: Complete list of organizations to notify in Quebec\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">Change of address: Complete list of organizations to notify in Quebec<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        Moving soon? Use our checklist to keep track of the organizations you\u2019ll need to notify of your new contact information. Print it out and check them off as you go!\r\n      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n    \r\n    <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/ressources\/2026-rrsp-annual-contribution-limit-registered-retirement-savings-plan\/\" title=\"2026 RRSP Annual Contribution Limit (Registered Retirement Savings Plan)\"><\/a>\r\n\r\n\r\n    <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/05\/reer-1024x576.png\" alt=\"2026 RRSP Annual Contribution Limit (Registered Retirement Savings Plan)\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">2026 RRSP Annual Contribution Limit (Registered Retirement Savings Plan)<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        Maximum RRSP, or the annual RRSP contribution limit for 2026.      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n    \r\n    <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/ressources\/2025-rrsp-annual-contribution-limit-registered-retirement-savings-plan\/\" title=\"2025 RRSP Annual Contribution Limit (Registered Retirement Savings Plan)\"><\/a>\r\n\r\n\r\n    <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/05\/reer-1024x576.png\" alt=\"2025 RRSP Annual Contribution Limit (Registered Retirement Savings Plan)\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">2025 RRSP Annual Contribution Limit (Registered Retirement Savings Plan)<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        Maximum RRSP, or the annual RRSP contribution limit for the 2025.      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n          \r\n        <\/div>\r\n\r\n        \r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <section id=\"newsletter\" class=\"section section-ressources palette-soft lws-animate-section\">\r\n    <div class=\"block block-ressources block-dynamic-posts\">\r\n      <div class=\"container\">\r\n\r\n          <div class=\"lws-flex-column lws-gap-small lws-fade-item text-center mx-auto\">\r\n          <h2>Past newsletters<\/h2>\r\n          <\/div>\r\n\r\n        <div class=\"cards flex flex-wrap gap-6 pt-8\"\r\n             data-posts-container\r\n             data-query=\"{&quot;post_type&quot;:&quot;lws-newsletter&quot;}\"\r\n             data-per-page=\"5\"\r\n             data-offset=\"5\">\r\n\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n  \r\n  <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/infolettres\/20260630\/\" title=\"MTL Team (June 30, 2026): Markets, SpaceX, switch to summer hours and news&#8230;\"><\/a>\r\n\r\n  <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/06\/spacex-taking-off-1024x544.png\" alt=\"MTL Team (June 30, 2026): Markets, SpaceX, switch to summer hours and news&#8230;\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">MTL Team (June 30, 2026): Markets, SpaceX, switch to summer hours and news&#8230;<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        Welcome to our first newsletter using our new AltaFina branding. In this edition : market update, a few words about SpaceX, our summer office hours, and news from H\u00e9l\u00e8ne, Linda, and Lo\u00efc. Thank you for your trust.      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n  \r\n  <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/infolettres\/mtl-team-june-17-2026-an-important-step-forward-in-how-we-support-you\/\" title=\"MTL Team (June 17, 2026): Gagn\u00e9 Johnston Private Wealth becomes AltaFina &#8211; Wealth Management\"><\/a>\r\n\r\n  <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/05\/251111-peakgroup-equipe-0481hr-1024x657.jpg\" alt=\"MTL Team (June 17, 2026): Gagn\u00e9 Johnston Private Wealth becomes AltaFina &#8211; Wealth Management\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">MTL Team (June 17, 2026): Gagn\u00e9 Johnston Private Wealth becomes AltaFina &#8211; Wealth Management<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        The partnership between the three teams led by Patrick Racicot, Ga\u00e9tan Lebrun and Gino Gauthier is now official. We are now AltaFina \u2013 Wealth Management!      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n  \r\n  <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/infolettres\/mtl-team-april-1-2026-spring-newsletter\/\" title=\"MTL Team (April 1, 2026): Spring Newsletter\"><\/a>\r\n\r\n  <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/04\/us-iran-balls.png\" alt=\"MTL Team (April 1, 2026): Spring Newsletter\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">MTL Team (April 1, 2026): Spring Newsletter<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        We discuss the impact of geopolitical crises, answer a frequently asked question (**Should you sell during periods of uncertainty?**), share a few interesting statistics, a chart of the month to put things into perspective, a tip for young adults, and improvements to the PEAK mobile app!\r\n      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n  \r\n  <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/infolettres\/mtl-team-january-30-2026-beginning-of-2026-newsletter\/\" title=\"MTL Team (January 30, 2026): Beginning of 2026 Newsletter\"><\/a>\r\n\r\n  <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2026\/01\/kids-holding-hands-snow-1024x574.png\" alt=\"MTL Team (January 30, 2026): Beginning of 2026 Newsletter\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">MTL Team (January 30, 2026): Beginning of 2026 Newsletter<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        In just a few weeks, the United States president has created a great deal of uncertainty. However, our model portfolios are well diversified, we have already reallocated a portion of the gains from 2025, and we are prepared to navigate this uncertainty. \ud83d\udce2 News: We have welcomed a new member to the team&#8230;      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n                      \r\n<div class=\"card-module relative lws-fade-item lws-radius\">\r\n\r\n  \r\n  <a class=\"absolute-link\" href=\"https:\/\/altafina.com\/en\/infolettres\/mtl-team-july-22-2025-summer-2025-newsletter%f0%9f%98%8e%f0%9f%8c%b4\/\" title=\"MTL Team (July 22, 2025): Summer 2025 Newsletter\ud83d\ude0e\ud83c\udf34\"><\/a>\r\n\r\n  <img decoding=\"async\" class=\"w-full aspect-5\/4 object-cover\" src=\"https:\/\/altafina.com\/wp-content\/uploads\/2025\/07\/kids-summer-lake.png\" alt=\"MTL Team (July 22, 2025): Summer 2025 Newsletter\ud83d\ude0e\ud83c\udf34\">\r\n\r\n  <div class=\"flex flex-col gap-4 p-6\">\r\n\r\n    <h3 class=\"style-h5\">MTL Team (July 22, 2025): Summer 2025 Newsletter\ud83d\ude0e\ud83c\udf34<\/h3>\r\n\r\n          <div class=\"content-text\">\r\n        Today, we cover several quick updates, mid-year market performance along with a few of our successful moves, PEAK\u2019s new mobile app (finally!), a note on protection mandates, which are often confused with general powers of attorney, and some exciting news about Lo\u00efc\u2019s promotion!      <\/div>\r\n    \r\n  <\/div>\r\n\r\n<\/div>\r\n          \r\n        <\/div>\r\n\r\n        <div class=\"flex justify-center pt-8 lws-fade-item\">\r\n          <button class=\"button opaque-color-main js-load-more\"\r\n                  data-per-page=\"5\"\r\n                  data-offset=\"5\">\r\n            <span>Load more<\/span>\r\n          <\/button>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2239","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/altafina.com\/en\/wp-json\/wp\/v2\/pages\/2239","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/altafina.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/altafina.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/altafina.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/altafina.com\/en\/wp-json\/wp\/v2\/comments?post=2239"}],"version-history":[{"count":1,"href":"https:\/\/altafina.com\/en\/wp-json\/wp\/v2\/pages\/2239\/revisions"}],"predecessor-version":[{"id":2240,"href":"https:\/\/altafina.com\/en\/wp-json\/wp\/v2\/pages\/2239\/revisions\/2240"}],"wp:attachment":[{"href":"https:\/\/altafina.com\/en\/wp-json\/wp\/v2\/media?parent=2239"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}