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2026 Financial Calendar

by LJC Insurance

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Welcome to our 2026 financial calendar!

This calendar is designed to help you keep track of important financial dates and deadlines, such as tax filing and government benefit distribution. You can bookmark this page for easy reference or add these dates to your personal calendar so you don’t miss any important financial obligations.

If you need help with your taxes, 2025 income tax packages will be available starting January 20, 2026. Don’t wait until the last minute to get started on your tax return – make an appointment with your accountant so you’re ready when tax season arrives.

Important Dates to Know

On January 1, 2026, the contribution room for your Tax-Free Savings Account (TFSA) opens again. The TFSA dollar limit for 2026 is $7,000.

For those who are eligible, the contribution room for your:

  • Registered Retirement Savings Plan (RRSP)

  • First Home Savings Account (FHSA)

  • Registered Education Savings Plan (RESP)

  • Registered Disability Savings Plan (RDSP)

will also be available for the 2026 calendar year.

RRSP Deadline (for the 2025 Tax Year)

For your Registered Retirement Savings Plan (RRSP) contributions to be eligible for the 2025 income tax year, you must make them by:

  • March 2, 2026

Contributions made after this date will generally count toward your 2026 tax return.

GST/HST Credit Payment Dates

GST/HST credit payments will be issued on:

  • January 5

  • April 2

  • July 3

  • October 5

Canada Child Benefit (CCB) Payment Dates

Canada Child Benefit payments will be issued on:

  • January 20

  • February 20

  • March 20

  • April 20

  • May 20

  • June 19

  • July 20

  • August 20

  • September 18

  • October 20

  • November 20

  • December 11

Canada Pension Plan (CPP) and Old Age Security (OAS)

The government will issue Canada Pension Plan (CPP) and Old Age Security (OAS) payments on the following dates:

  • January 28

  • February 25

  • March 27

  • April 28

  • May 27

  • June 26

  • July 29

  • August 27

  • September 25

  • October 28

  • November 26

  • December 22

Bank of Canada Interest Rate Announcements

The Bank of Canada will make interest rate announcements on:

  • January 28

  • March 18

  • April 29

  • June 10

  • July 15

  • September 2

  • October 28

  • December 9

Personal Income Tax Deadlines

For most individuals, April 30, 2026 is the last day to:

  • File your 2025 personal income tax return, and

  • Pay any balance owing on your 2025 taxes.

This is also generally the filing deadline for final returns if death occurred between January 1 and October 31, 2025.

If death occurred between November 1 and December 31, 2025, the filing deadline for the final return is six months after the date of death (which will fall between May 1 and June 30, 2026).

Self-Employment Tax Deadlines

If you or your spouse/common-law partner are self-employed:

  • The filing deadline for your 2025 tax return is June 15, 2026.

  • Any tax payments owing are still due by April 30, 2026.

Filing later than these dates may result in interest and penalties.

Year-End Contribution Deadlines

The final contribution deadline for the 2026 calendar year for the following accounts is December 31, 2026:

  • Tax-Free Savings Account (TFSA)

  • First Home Savings Account (FHSA)

  • Registered Education Savings Plan (RESP)

  • Registered Disability Savings Plan (RDSP)

December 31, 2026 is also the deadline for:

  • Making 2026 charitable donations that you want to claim on your 2026 tax return.

Individuals who turn 71 in 2026 to:

  • Make their last contributions to their own RRSPs, and

  • Convert their RRSPs to RRIFs (or an annuity).

Please reach out if you have any questions or would like help planning around any of these dates.

Sources:

Canada Revenue Agency. Tax-Free Savings Account (TFSA), Guide for Individuals. RC4466 (E), Canada.ca, https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466/tax-free-savings-account-tfsa-guide-individuals.html.

Canada Revenue Agency. “Registered Retirement Savings Plan (RRSP).” Canada.ca, https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/registered-retirement-savings-plan-rrsp.html.

Canada Revenue Agency. “Registered Education Savings Plans (RESPs).” Canada.ca, https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/registered-education-savings-plans-resps.html.

Canada Revenue Agency. “First Home Savings Account (FHSA).” Canada.ca, https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account.html.

Canada Revenue Agency. “GST/HST Credit – Payment Dates.” Canada.ca, https://www.canada.ca/en/revenue-agency/services/child-family-benefits/gst-hst-credit/payment-dates.html#toc1.

Canada Revenue Agency. “Benefit Payment Dates.” Canada.ca, https://www.canada.ca/en/revenue-agency/services/child-family-benefits/benefit-payment-dates.html.

Canada. “Benefit Payment Dates Calendar.” Canada.ca, https://www.canada.ca/en/services/benefits/calendar.html.

Bank of Canada. “Bank of Canada Publishes 2026 Schedule for Policy Interest Rate Announcements and Other Major Publications.” Bank of Canada, https://www.bankofcanada.ca/2025/08/bank-canada-publishes-2026-schedule-policy-interest-rate-announcements-other-major-publications/.

Canada Revenue Agency. “Important Dates – Individuals.” Canada.ca, https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/important-dates-individuals.html.

Canada Revenue Agency. “Important Dates for RRSPs, RRIFs, and RDSPs.” Canada.ca, https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/important-dates-rrsp-rrif-rdsp.html.

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We provide portfolio management combined with ongoing financial planning. Clients have direct access to our investment team. Private Client Group professionals carry Chartered Financial Analyst (CFA), Chartered Investment Manager (CIM) and Certified Financial Planner (CFP) designations and have extensive experience in effective client communication. They are members of the firm’s Investment Committee and are present at portfolio management meetings, working closely with First Avenue’s Chief Investment Officer. They have an in-depth understanding of portfolio holdings and market outlook. First Avenue clients also have access to the firm’s Chief Investment Officer.

  • Financial and estate planning as part of the ongoing client experience
  • Professional money managers, not professional salespeople
  • No commissions or trailer fees
  • Transparent, straightforward investment strategy
  • Regular communication in human language
  • Direct access to the firm’s Chief Investment Officer
  • Portfolio Managers’ own capital invested alongside yours

Often, lacking great advisors is not the shortfall. Successful families have one or more advisors they trust and have worked with for years. The common weakness exists in the fact that there is not a formal process to how one’s advisors communicate and work together. As a result, there is little co-ordination and integration among strategies and advice from one’s various advisors. This is what our Advisory Board service solves.

After getting to know you and understanding your structure, the first step then for every First Avenue Family Office client begins with building their families’ Advisory Board. Understanding which trusted advisors you already have in place and which we need to add to complete the team: your Advisory Board. We are not here to replace any trusted advisors you may already have, but rather complete the voids and provide a structured platform where all work collaboratively on an integrated basis for your benefit.

Once your Advisory Board is in place, it is our responsibility to co-ordinate and lead the activities of your board. It may sound formal and it can be but it can also be as simple as ensuring ongoing coordination and integration of tax, investment, risk management, trusts and legal professionals. The result is a client experience where one is certain that the various considerations are heard and deeply contemplated.

A full-time collaborative approach considering all facets of your wealth: this is the Family Office difference.

Your Family Financial Statement

Every asset you own, from investment portfolios and real estate to fine art, summarized on one document. The dashboard to every conversation. Kept up to date and reported to you quarterly. When doing any planning, we look at your entire picture and our Advisory Board will consider all angles. It’s about much more than just investments.

Wealth Planning & Co-Ordination

Whether it’s an immigration lawyer because your child is considering moving to the US after post-secondary studies, or it’s executing a complicated estate planning strategy with various trusts in multiple jurisdictions, we are relentless with planning for every facet of your financial world. But, planning is only the first step. Execution is equally important and we are beside you through the entire process. Rather than simply providing a referral and leaving the rest to you, we co-ordinate, and lead execution, attending meetings with your auxiliary professionals to ensure accurate integration at all stages. You avoid dealing with too many individuals and benefit from a further layer of governance on the work being done.

Family Education

As your children become more independent, there may come a time where you wish to start involving them more in managing family finances. This is the pre-cursor to them making their own sound decisions in the future. Properly preparing beneficiaries for these responsibilities is essential. In conjunction with you, First Avenue Family Office organizes roundtables involving all generations and leads regular interactions to progress education and instill confidence in future generations. This education about the stewardships of wealth motivates successors to increase their involvement, which is invaluable in preserving wealth and family culture.

Family Dispute Resolution & Counselling

Every family is complex, and wealth can add a unique dimension to family dynamics. Emotions often replace rational and sound reasoning. Combine this with multiple beneficiaries with different personalities and objectives and it can create divisions within a family. As a trusted, objective partner, we create a safe platform and help guide conversations, allowing family members to maintain healthy relationships. Every beneficiary and family member has their own personality and differing financial needs. We work with each member and incorporate all objectives into the overall family wealth plan. This preserves relationships, wealth and the family legacy.

Philanthropy & Family Legacy

Wealth brings the opportunity to create impact. Before this, it is crucial to focus on oneself to understand: What is your legacy? What are your values and motivations? First Avenue Family Offices ask the appropriate questions and guide conversations to ensure philanthropists to have the greatest impact and create a family legacy. Our Family Office service captures all of the details of your financial world and helps your family make sense of it all. The result: addressing every facet of your financial life in an integrated and personal manner. We understand family dynamics and complexities and will take the necessary time to get to you know you and work through all important areas that need to be planned for.

Contact Us

602-4211 Kingsway
Burnaby BC V5H 1Z6

Tel: 604-737-8202
Toll Free: 1-877-294-8202
Fax: 604-737-4292

Email: admin@ljcinsurance.com

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