***Updates – March 2020***

• NEW Income Tax Filling Deadlines: the 2019 tax return filling date has been extended
  • Individuals: extended to June 1^st 2020.
  • Self-employed individuals and their partners: unchanged June 15^th 2020.
  • Corporations: extended to June 1^st 2020 for corporations that would otherwise have a filling due date between March 18^th 2020 and June 1^st 2020.
  • Trusts: extended to May 1^st 2020 for trusts with a taxation year-end of December 31^st 2019.
  • Charities: extended to December 31^st 2020 for charities with Form T3010 due between March 18^th 2020 and December 31^st 2020..
• NEW Income Tax Payment Deadline: taxpayers will have until September 1^st 2020 to pay any 2019 income tax amounts owed. This includes businesses’ income tax amounts that become owing or due after March 18^th 2020 and before September 1^st 2020.

REMARK: some Notice of Assessments have been sent with the incorrect due date of April 30^th 2020. This date is incorrect. Your payment deadline is September 1^st 2020

As we are in the midst of the RRSP season and the beginning of the income tax return season, I would like to remind you that we do offer bookkeeping & tax return services for individuals and businesses. Please contact me directly to schedule an appointment.

A few important items to keep in mind for the 2019 tax year:

• RRSP Contribution Deadline: March 2^nd 2020 for 2019 tax year. Yes, it is just around the corner. Why wait until the deadline? Do it as early as you possibly can.
  RRSP Maximum Contribution Limit is $26,500 for 2019 tax year, or 18% of your earned income, whichever is lower, plus any unused contribution room from previous years.
• Income Tax Return Deadline: April 30^th 2020 for most taxpayers. If you or your spouse carried on a business in 2019, you have until June 15^th 2020 to file your return. However, your balance, if any, still has to be paid no later than April 30^th 2020 to avoid interest and penalty.
  • If you are expecting a refund, file your return now and get back your money as soon as possible.
  • If you are expected to pay, send in your return before April 30^th, even if you can’t pay your balance, to avoid late-filing penalty.
• T4/T4A Return Deadline: March 2^nd 2020, for 2019.
• Business GST/HST Return Deadline: June 15^th 2020, for most GST/HST registrants, if you have an annual reporting period. However, your balance, if any, has to be paid no later than April 30^th 2020.
• Sale your home in 2019? Since 2016, you have to report the sale on your tax return in the year you sold it. However, if it is your principal residence, you usually do not have to pay any capital gain tax.
• Got married/divorced in 2019? Have a baby in 2019? Change in these statuses can impact your taxes and benefits. Make sure to mention these changes to your tax professional.
• Moved in 2019? You may be eligible to claim moving expense if your new home is at least 40 kilometers (by the shortest usual public route) closer to your new work/school.
• Foreign Property? If you have foreign properties and/or held foreign investments in your portfolio, with a total of $100,000 or more, you need to report them on the T1135.
• Taxable account expense? Management fees related to your non-registered accounts may be tax deductible.

Most companies and institutions are to start sending out the receipts and T-slips soon. May I suggest you start a brand-new folder for those and keep them all in there as they arrive. This will make it much easier when the time comes for filing your tax returns.

Remember to always “Dream It.  Plan It.  Live It.”
I am here to help you on your journey. Reach out if I can be of any assistance.

I trust that you have had a good 2019 so far and are looking forward to the holidays as well as the New Year.

As the year is coming to a close, it is time to do a year-end review, if you have not yet begun, and start planning for the coming year.

A few important items to consider for this year-end:

• TFSA: the contribution limit is $6,000 for 2019 and 2020 as well. If you have not yet made any contributions in the past, you can contribute up to $63,500 by the end of 2019 or $69,500 in 2020 (some conditions applied).
  • If you are going to withdraw from your TFSA soon, it is best to do it before the end of the year (instead of the beginning of next year). This withdrawn amount will be reinstated in your contribution room in 2020.
  • For Americans who reside in Canada, TFSA is not a tax-free account under IRS.
• RESP: you can receive the Canada Education Savings Grant (CESG) on the first $2,500 in contributions per year, or up to the first $5,000 in contributions, if sufficient carry forward room exists.
  • If you have not yet contributed the above amount, consider doing so before the year-end to maximize your annual matching.
  • If your child turned 15 this year, December 31^st 2019 is your last chance for opening an RESP account for that child & starting the first contribution.
• RDSP: you can get a maximum of $3,500 in matching grants in one year. A beneficiary’s RDSP can receive a grant on contributions made until December 31^st of the year in which the beneficiary turns 49.
• RRSP: you have until March 2^nd, 2020 to make a contribution toward 2019 tax year.
  • If you turned 71 in this year, December 31^st is the last day that you can contribute to your RRSPs. Depending on your situation, you might want to consider over-contribution by the end of December (some restrictions & penalties applied).
  • If you plan on withdrawing your RRSP under either LLP or HBP, consider delaying it to the new year to give yourself an extra year before the repayment required.
  • If you are making payments on your LLP or HBP, talk to us or your tax advisor to see if it is to your advantage to miss or to make the required payment for the year.
• Medical Expenses: This has been one of the most under-claimed areas. The 12-month rule allows you to claim any 12-month period ending in the tax year for yourself, your spouse and your eligible dependents.
  Depending on your situation, you might want to prepay certain medical expenses to claim the expenses for this tax year.
• Other Tax-Deductible Expenses: such as deductible accounting & legal fees, other professional fees, business-related expenses, child care expenses. Make sure to pay them by December 31^st.
• Moving? Choose your move date wisely, as tax rates vary between province to province. If you are to move to a lower tax province/territory, you might want to do so before the end of the year. Otherwise, consider delaying it until the new year.

I would like to remind you that we offer income tax return and bookkeeping services.
If you need a hand, or would like to discuss these and/or other tax planning strategies and how they affect your financial future, contact us directly.

Remember to always “Dream It. Plan It. Live It.“
I am here to help you on your journey. Reach out if I can be of any assistance.

As the year is coming to a close, it is time to do a year-end review, if you have not yet started, and start planning for the coming year.

Important items to consider for all taxpayers:

• Home Accessibility Tax Credit: This is a non-refundable tax credit for eligible expenses incurred for work performed or goods acquired for a qualifying renovation of an eligible dwelling of a qualifying individual.
  • A maximum of $10,000 per year in eligible expenses can be claimed, resulting in a maximum non-refundable tax credit of $1,500 ($10,000 x 15%).
• Medical Expenses: one of the most under-claimed areas.
  • The 12-month rule allows you to claim any 12-month period ending in the tax year for yourself, your spouse and your eligible dependents.
  • Depending on your situation, you might want to prepay certain medical expenses to claim the expenses for 2018.
• RDSP: A beneficiary’s RDSP can receive a grant on contributions made until December 31^st of the year in which the beneficiary turns 49. Maximum matching grants in one year is $3,500.
• RESP: you can receive the Canada Education Savings Grant (CESG) on the first $2,500 in contributions per year, or up to the first $5,000 in contributions, if sufficient carry forward room exists.
  • If you have not yet contributed the above amount, consider doing so before the year-end to maximize your annual matching.
  • If your child turned 15 this year, December 31^st is your last chance for opening an RESP account for that child & starting the first contribution.
• RRSP: you have until March 1^st, 2019 to make a contribution toward your 2018 tax year.
  • If you turned 71 this year, December 31^st  is the last day that you can contribute to your RRSPs. If you still have contribution room left, consider over-contributing this time (some restrictions & penalties applied).
  • If you are planning on withdrawing your RRSP under either LLP or HBP, consider delaying it to the new year to give yourself an extra year before the repayment required.
  • If you are making payments on your LLP or HBP, consider the advantage/disadvantage of missing or making that required payment for this year.
• TFSA: the contribution limit for 2018 is $5,500. If you have not yet made any contributions in the past, you can contribute up to $57,500 (some conditions applied).
  • If you are going to withdraw from your TFSA soon, consider doing so before the end of the year (instead of the beginning of next year). This withdrawn amount will be reinstated in your contribution room in the new year.
  • The contribution limit for 2019 is $6,000.
  • For Americans who reside in Canada, keep in mind that TFSA is not a tax-free account under IRS.

Click here to view more year-end tax planning for Entrepreneurs.

I trust that you find these highlights useful.
I would like to remind you that we offer income tax return and bookkeeping services.

If you need a hand, or simply would like to discuss these and/or other tax planning strategies and how they affect your financial plan, contact me directly.

Remember to always “Dream It. Plan It. Live It.”

I am here to help you on your journey. Reach out if I can be of any assistance.

As the year is coming to a close, it is time to do a year-end review, if you have not yet done so, and start planning for 2019.

The joy of being your own boss comes with extra responsibilities.

Extra important items to consider for entrepreneurs & investors:

• Bookkeeping: December 31^st means statements, invoices, receipts, etc.
  May I suggest that you put aside some time during the holiday and get a head start with your paperwork gathering, if you have not yet started during the year. This will make your tax time much less stressful.
  I would like to remind you that we offer bookkeeping & tax preparation services. Please contact me directly to schedule an appointment.
• Depreciable Asset Purchases: the CRA has a first-year rule on most of depreciable properties. That means you can’t deduct the full cost of depreciable property for the year in which you acquired the property. You can reduce your “loss” portion by planning your purchases near the end of your fiscal year.
• Legal, Accounting and other Professional Fees: in most cases, these fees are tax deductible. Make sure your invoices are dated by or before December 31^st 2018, if you wish to claim these fees for the 2018 tax year. Same goes for other deductible expenses.
• Income: if you wish to defer your income to 2019 tax year, consider dating and sending out your invoices on or after January 1^st, 2019.
• Year-end Tax Loss/Gain: December 27^th, 2018 is the last trade date for the 2018 tax year. Remember that loss can carry back 3 years, or carry forward indefinitely. Make sure to watch out for the superficial-loss rule. Consider utilizing this rule to shift unrealized losses between spouses.

Click here to view more year-end tax planning for all taxpayers.

I trust that you find these highlights useful.

If you need a hand, or simply would like to discuss these and/or other tax planning strategies and how they affect your financial plan, contact me directly.

Remember to always “Dream It. Plan It. Live It.”

I am here to help you on your journey. Reach out if I can be of any assistance.

It is that time of the year again:  the RRSP season and the income tax return season. I would like to remind you that we do offer bookkeeping & tax return services.
Please contact us directly to schedule appointments and discuss how you can benefit from our services.

Important items/deadlines for the 2017 tax year:

RRSP Contribution Deadline: March 1^st 2018 for the 2017 tax year. Yes, it is just around the corner. Why wait until the deadline? Do it as early as you possibly can.
RRSP Maximum Contribution Limit is $26,010 for 2017 tax year, or 18% of your earned income, whichever is lower, plus any unused contribution room from previous years.

T4/T4A/T5 Return Deadline: February 28^th 2018, for the 2017 tax year.

Interest Payment Deadline: January 30^th 2018, for interest payment on employee loans and prescribed rate loans.

Income Tax Return Deadline: April 30^th  2018 for most taxpayers. If you or your spouse carried on a business in 2017, you have until June 15^th 2018 to file your return. However, your balance, if any, still has to be paid no later than April 30^th 2018 to avoid interest and penalty.

• If you are expecting a refund, file your return now and get back your money as soon as possible.
• If you are expected to pay, send in your return before April 30^th 2018 even if you can’t pay your balance, to avoid late-filing penalty.

Business GST/HST Return Deadline: June 15^th 2018, for most GST/HST registrants, if you have an annual reporting period. However, your balance, if any, has to be paid no later than May 1^st

Got married/divorced in 2017? Had a baby in 2017? Change in these statuses can impact your taxes and benefits. Make sure to mention these changes to your income tax professional.

Home Accessibility Credit: You can claim up to $10,000 of eligible expenses. If an eligible expense also qualified as a medical expense, you can claim both the medical expenses tax credit and the home accessibility credit for that expense.

Bought your home in 2017? For qualified first time home buyers or eligible persons with disabilities, you can claim the home buyers’ amount of $5,000 for the purchase of a qualifying home. You may also be eligible for a new housing rebate for some of the GST/HST paid.

Sold a house in 2017? Starting 2016, you have to report the sale on your tax return in the year you sold it. However, if it is your principal residence, you usually do not have to pay any capital gain tax.

Moved in 2017? You may be eligible to claim moving expense if your new home is at least 40 kilometers (by the shortest usual public route) closer to your new work/school.

Most companies and institutions have started sending out the receipts and T-slips.
I suggest you start a brand-new folder for those and keep them all in there as they arrive. This will make it much easier when the time comes for filing your income tax returns.

Remember to always “Dream It.  Plan It.  Live It.”
I am here to help you on your journey. Do not hesitate to reach out if I can be of any assistance.

It is that time of the year again:  the RRSP season and the income tax return season. I would like to remind you that we do offer income tax preparation as well as bookkeeping services for individuals and self-employed entrepreneurs.
Please contact me directly to schedule an appointment.

A few important items to keep in mind for the 2016 tax year:

• RRSP Contribution Deadline: March 1^st 2017 for the 2016 tax year. Yes, it is just around the corner. Why wait until the deadline? Do it as early as you possibly can.
  RRSP Maximum Contribution Limit is $25,370 for 2016 tax year, or 18% of your earned income, whichever is lower, plus any unused contribution room from previous years.
• T4/T4A/T5 Return Deadline: February 28^th 2017, for the 2016 tax year.
• Income Tax Return Deadline: May 1^st 2017 for most taxpayers. If you or your spouse carried on a business in 2016, you have until June 15^th 2017 to file your return. However, your balance, if any, still has to be paid no later than May 1^st 2017 to avoid interest and penalty.
  • If you are expecting a refund, file your return now and get back your money as soon as possible.
  • If you are expected to pay, send in your return before May 1^st 2017 even if you can’t pay your balance, to avoid late-filing penalty.
• Business GST/HST Return Deadline: June 15^th 2017, for most GST/HST registrants, if you have an annual reporting period. However, your balance, if any, has to be paid no later than May 1^st
• Got married/divorced in 2016? Had a baby in 2016? Change in these statuses can impact your taxes and benefits. Make sure to mention these changes to your income tax professional.
• Home Accessibility Credit: You can claim up to $10,000 of eligible expenses. If an eligible expense also qualified as a medical expense, you can claim both the medical expenses tax credit and the home accessibility credit for that expense.
• Bought your home in 2016? For qualified first time home buyers or eligible persons with disabilities, you can claim the home buyers’ amount of $5,000 for the purchase of a qualifying home. You may also be eligible for a new housing rebate for some of the GST/HST paid.
• Sold a house in 2016? Starting 2016, you have to report the sale on your tax return in the year you sold it. However, if it is your principal residence, you usually do not have to pay any capital gain tax.
• Moved in 2016? You may be eligible to claim moving expense if your new home is at least 40 kilometers (by the shortest usual public route) closer to your new work/school.

Most companies and institutions have started sending out the receipts and T-slips.
I suggest you start a brand-new folder for those and keep them all in there as they arrive. This will make it much easier when the time comes for filing your income tax returns.

Remember to always “Dream It. Plan It. Live It.”
I am here to help you on your journey. Do not hesitate to reach out if I can be of any assistance.

I trust that you have had a good year so far and an amazing summer. I spent a good part of my free time visiting Asia, relaxing in the Caribbean and trekking around Newfoundland. I even spent a couple of days in Paradise. Yes, the town of Paradise, in Newfoundland, that is.
Pictures are to follow soon on my Facebook page HelenaCFP. While you are there, take a look at our “Retire Right” page and “like” it.

The end of the third quarter is fast approaching, it is time to do a mid-year review, if you have not yet done so.

A few important items to consider for all taxpayers:

• Eligible Tax Benefits: Did you receive those tax benefits that you qualified for such as GST/HST refund, Ontario Trillium benefit and Child Tax benefit. If you filed your tax return on time, you should have received those payments already.
• Medical Expenses: This has been one of the most under-claimed areas. The 12-month rule allows you to claim any 12-month period ending in the tax year for yourself, your spouse and your eligible dependents.
  Plan payments for your major medical expenses to take advantage of this rule. Most of the time, the lower-income spouse should make the claim, with some exceptions.
• TFSA Withdrawals: This has been one of the most misunderstood areas. Any withdrawals made from your TFSA in the year will only be added back to your TFSA contribution room at the beginning of the following year.
  If you are going to withdraw from your TFSA soon, it is best to do it before the end of the year (instead of the beginning of next year.)
• Investment Portfolios: when was the last time you reviewed your investment portfolios with your advisors? You work hard for your money. Make sure it works just as hard for you.

A few important items to consider for self-employed individuals:
Being your own boss comes with few extra tasks such as:

• Bookkeeping: gather up and organize your receipts, invoices, motor vehicle expenses, business use-of-home expenses, etc.
  Whether you use a bookkeeping service or do it yourself, do NOT wait until the end of the year. Do some diligence now and save yourself some headaches at tax time. Better yet, get it done quarterly.
  We do offer income tax return and bookkeeping services. Reach out if you need a hand.
• Business Income: by now, you should be able to make an estimate of your income for the year. Are you on track with your business goals? And what lessons can you learn from this?
• Tax Liabilities: now that you’ve done the first two steps, you can estimate your tax payable amount. Did you put aside some money for those payments?
  Don’t forget the GST/HST payment if you are a GST/HST registrant.
• Depreciable Asset Purchases: the CRA has a first-year rule on most of depreciable properties. That means you can’t deduct the full cost of depreciable property for the year in which you acquired the property. You can reduce your “loss” portion by planning your purchases near the end of your fiscal year.

I trust that you find these highlights useful.
If you need a hand, or simply would like to discuss these and/or other tax planning strategies and how they affect your financial plan, contact me directly.

Remember to always “Dream It. Plan It. Live It.”

I am here to help you on your journey. Reach out if I can be of any assistance.

As we are in the midst of the RRSP season and the beginning of the income tax return season, I would like to remind you that we do offer income tax preparation services for individuals and businesses. Please contact me directly to schedule an appointment.

A few important items to keep in mind for the 2015 tax year:

• RRSP Contribution Deadline: February 29^th 2016 for 2015 tax year. Yes, it is just around the corner. Why wait until the deadline? Do it as early as you possibly can.
  RRSP Maximum Contribution Limit is $24,930 for 2015 tax year, or 18% of your earned income, whichever is lower, plus any unused contribution room from previous years.
• Income Tax Return Deadline: May 2^nd 2016 for most taxpayers. If you or your spouse carried on a business in 2015, you have until June 15^th 2016 to file your return. However, your balance, if any, still has to be paid no later than May 2^nd 2016 to avoid interest and penalty.
  • If you are expecting a refund, file your return now and get back your money as soon as possible.
  • If you are expected to pay, send in your return before May 2^nd, even if you can’t pay your balance, to avoid late-filing penalty.
• T4/T4A Return Deadline: February 29^th 2016, for 2015.
• Business GST/HST Return Deadline: June 15^th 2016, for most GST/HST registrants, if you have an annual reporting period. However, your balance, if any, has to be paid no later than May 2^nd 2016.
• Bought your home in 2015? If you are a first-time home buyer, you may be able to claim an amount of $5,000 for the purchase of a qualifying home in 2015.
• Got married/divorced in 2015? Your marital status impacts your taxes. Make sure to mention these changes to your income tax professional.
• Home Accessibility Credit: Introduced in the 2015 federal budget to help seniors, disabled persons and their families. However, this credit is only in effect for 2016. So if you are planning any eligible renovations, this year may be the year to do so.

Most companies and institutions have started sending out the receipts and T-slips. May I suggest you start a brand-new folder for those and keep them all in there as they arrive. This will make it much easier when the time comes for filing your income tax returns.

As we enter into 2016, global capital markets have been volatile, continuing the challenging conditions that characterized much of last year. Although the global economy is still slowly growing, many bond and equity markets are being affected by a combination of factors, including several sharp sell-offs in the Chinese stock market, sinking commodity prices, soft economic data and uncertainty surrounding the U.S. Federal Reserve’s decision to raise interest rates for the first time since the financial crisis.

In 2015, the unstable conditions led to mixed results for equity markets. The MSCI World Index registered a modest 0.3% loss for 2015 in U.S. dollar terms, including dividends. The Canadian dollar’s weakness against the U.S. dollar and other global currencies, however, resulted in a gain of 18.9% for the index in Canadian dollar terms. This performance reflects stronger results for markets in the U.S. and Japan and mixed results in Europe and other Asian countries. Similarly, the benchmark S&P 500 Index in the U.S. added 1.0% (including dividends) in U.S. currency, a return that was magnified to 20.5% when expressed in Canadian dollars. The well-diversified U.S. market continues to benefit from the country’s economic recovery, with improving housing and employment data underpinning business confidence.

Canada’s commodity-heavy S&P/TSX Composite Index, meanwhile, was once again weighed down in 2015 by weakening prices for oil, metals and other commodities and lagged most other developed markets. As the price of oil fell toward US$35 per barrel, the benchmark index headed lower to finish the year with a total return of -8.3%. Equity index results for the commodity-sensitive emerging markets and Latin America were also negative.

Given the slow pace of economic activity in most parts of the world, most central banks are keeping monetary policy highly accommodative to growth.The U.S. Federal Reserve’s announcement on December 16 that it would raise short-term interest rates by 0.25%, however, was an important acknowledgement that the U.S. economy has substantially recovered from the financial crisis of 2008. Nevertheless, government bond yields remained muted and the FTSE TMX Canada Universe Bond Index, a measure of government and investment-grade corporate bonds, added 1.1% in the fourth quarter of 2015 for a gain of 3.5% for the year. The U.S. high-yield bond market experienced a stronger reaction to market conditions, losing 4.6% in 2015 in U.S. dollars.

Looking ahead, there are many reasons to be both cautious and optimistic about the strength of the global economy and the direction of capital markets. Two of the world’s largest economies, the U.S. and China, continue to expand and inflation remains low in most economies. The Fed has reassured investors that further rate increases will occur gradually, to avoid stalling the global economy’s muted growth. Elsewhere, central banks in Europe, China and Japan and Canada have taken steps to keep interest rates low and to stimulate their economies. While the fundamental economic conditions remain supportive for many global businesses, some experts warn that these divergent policies are likely to result in further volatility for investment markets over the coming months.

Although the headlines about volatile markets can be unsettling, it is important to keep the big picture in mind. Equity markets, in particular, are often subject to temporary ups and downs, but over the longer term, the general direction has been up. I continue to believe that a well-diversified portfolio that reflects your financial goals and tolerance for risk can help to smooth those peaks and valleys, as well as provide an excellent opportunity for building wealth over time.

Finance Minister Joe Oliver delivered his first Federal budget on April 21^st, 2015.
While you’ve probably seen plenty of media coverage, I thought you would appreciate an overview of how some of the budget items that relate to investments and taxes.

Increase TFSA contribution limit from $5,500 to $10,000
The proposed change is retroactive to January 1, 2015. For Canadians who are over age 18 and have not contributed since the TFSA’s creation in 2009, you now have $41,000 in contribution room.

Lower minimum RRIF withdrawals from 7.38% to 5.28%
The proposed changes to RRIF rules will mean seniors won’t have to withdraw as much money from their retirement savings. Required withdrawal rates still increase every year, but instead of topping out at 20% at age 94, the cap isn’t reached until age 95. The change is meant to reduce the risk of seniors outliving their savings. However, it could lead to a higher tax liability upon death if you leave too much money inside your RRIFs.

Introduce new Home Accessibility Tax Credit
Another budget item aimed at seniors and others who qualify for the Disability Tax Credit is a new Home Accessibility Tax Credit. This 15% non-refundable tax credit applies to up to $10,000 of renovations, such as wheelchair ramps, walk-in bathtubs and wheel-in showers.

Reduce Small Business Tax Rate from 11% to 9%
Small businesses will get to keep more of their earnings. This year’s budget proposes to reduce the small business tax rate to 9% by 2019 – or 2% over the next four years. The reduction generally applies to the first $500,000 of business income. There is a corresponding change to the Dividend Tax Credit from 11% to 9%, and gross-up factor from 18% to 15%, by 2019. Small business owners also will get a tax break if they sell their companies and donate the private company shares to charity. To be eligible, a sale must take place in 2017 or later.

Overall
With proper planning, people who are in higher tax brackets, own businesses or are nearing retirement will benefit from changes in this federal budget.

Thoughts
For those in lower tax brackets, TFSAs can become more advantageous than RRSPs. Those who are nearing retirement can take advantage of early RRIF withdrawal benefits and then move the money into a TFSA and keep it sheltered. Or, if you’ve already contributed the old $36,500 maximum, you could now move some non-registered investments into TFSAs.
In cases where large capital gains might apply, this might not be a strategy worth pursuing. We can talk about whether this strategy is a good idea when we meet.

I trust that you find these highlights useful. If you’d like to discuss these and other Federal budget initiatives and how they affect your financial plan, please don’t hesitate to contact me.

Remember to always “Dream It. Plan It. Live It.”
I am here to help you on your journey. Reach out if I can be of any assistance.