Colin Graves
Colin Graves
Freelance WriterColin Graves is a Winnipeg-based financial writer and editor whose work has been featured in publications such as Time, MoneySense, MapleMoney, Retire Happy, The College Investor, and more. Before becoming a full-time writer, Colin was a bank manager for over 15 years.
Colin Graves is a personal finance writer and editor with over two decades of experience in banking and financial services. His work has been featured in Time, MoneySense, MapleMoney, Retire Happy, The College Investor, and Money.ca, among others. Before transitioning into full-time financial writing, Colin spent 15 years as a bank manager at a top North American financial institution, overseeing portfolios exceeding $1 billion. With certifications including the Professional Financial Planning Course (PFPC®) and Canadian Securities Course (CSC®), Colin specializes in personal finance, investing, and retirement planning. As Managing Editor at MapleMoney, Retire Happy, and WalletHacks, he helps readers navigate money matters with clarity and confidence. Colin believes financial success isn’t just about numbers—it’s about mindset. His insights empower Canadians to take control of their money and build lasting wealth.
Colin Graves's Expertise
Managing Money • Aug 14
CRA data shows thousands of eligible Canadians miss this $2,400 tax credit
Managing Money • 7237 views
12 million Canadians get a bigger, renamed CRA payment this month
Credit Cards • Jun 09
Tim Hortons is killing its credit card — what happens to your rewards points?
More from Colin Graves
LATEST
Managing Money • Aug 14
CRA data shows thousands of eligible Canadians miss this $2,400 tax credit
Millions in Canada Workers Benefit go unclaimed each year — here's how to make sure you're not one
Managing Money • Aug 14
CRA data shows thousands of eligible Canadians miss this $2,400 tax credit
Millions in Canada Workers Benefit go unclaimed each year — here's how to make sure you're not one
Managing Money • 7237 views
12 million Canadians get a bigger, renamed CRA payment this month
The CRA quietly renamed the GST/HST credit and made it permanently bigger. Here's what changed, who qualifies and how much more Canadians can expect this month and for the next five years
Managing Money • 7237 views
12 million Canadians get a bigger, renamed CRA payment this month
The CRA quietly renamed the GST/HST credit and made it permanently bigger. Here's what changed, who qualifies and how much more Canadians can expect this month and for the next five years
Banking • Aug 09
Suze Orman's $1K challenge shows why your savings rate matters as much as the habit
A new survey found most women feel confident about saving — but nearly half may be earning almost nothing while they do it. Here's what Canadians should check
Banking • Aug 09
Suze Orman's $1K challenge shows why your savings rate matters as much as the habit
A new survey found most women feel confident about saving — but nearly half may be earning almost nothing while they do it. Here's what Canadians should check
Credit Cards • Aug 08
Dave Ramsey warns debt keeps people poor on purpose — new data shows what interest is costing Canadians
Record debt and high interest rates mean more of your paycheque goes to lenders. Here's the math behind Dave Ramsey's warning — and how Canadians can flip the script
Credit Cards • Aug 08
Dave Ramsey warns debt keeps people poor on purpose — new data shows what interest is costing Canadians
Record debt and high interest rates mean more of your paycheque goes to lenders. Here's the math behind Dave Ramsey's warning — and how Canadians can flip the script
Managing Money • Aug 07
That $12K roof repair? More Canadians are putting it on high-interest credit cards as household debt hits record highs
Statistics Canada says Canadians now owe C$1.80 for every C$1 they earn, a new record. Here's what's behind the rise and how to protect your own finances
Managing Money • Aug 07
That $12K roof repair? More Canadians are putting it on high-interest credit cards as household debt hits record highs
Statistics Canada says Canadians now owe C$1.80 for every C$1 they earn, a new record. Here's what's behind the rise and how to protect your own finances
Managing Money • 13151 views
O'Leary's China optimism meets a harder deadline — Canada's new 50% US tariff hits Aug 19
Kevin O'Leary predicts a shared fear of China will bring Canada, the US and Mexico closer — but a new 50% tariff on Canadian manufacturing lands first, with real costs for jobs
Managing Money • 13151 views
O'Leary's China optimism meets a harder deadline — Canada's new 50% US tariff hits Aug 19
Kevin O'Leary predicts a shared fear of China will bring Canada, the US and Mexico closer — but a new 50% tariff on Canadian manufacturing lands first, with real costs for jobs
News • 3676 views
Tiff Macklem warns Canadians: Interest rates may need to rise if Iran war-driven inflation persists
The Bank of Canada held its key rate at 2.25% but warned another hike is possible if war-driven inflation doesn't ease — here's what it could mean for your mortgage and monthly budget
News • 3676 views
Tiff Macklem warns Canadians: Interest rates may need to rise if Iran war-driven inflation persists
The Bank of Canada held its key rate at 2.25% but warned another hike is possible if war-driven inflation doesn't ease — here's what it could mean for your mortgage and monthly budget
Managing Money • Aug 05
Holding savings outside a TFSA could be costing Canadians hundreds in unnecessary taxes
A TFSA and a regular savings account can offer the same interest rate, but taxes can significantly reduce what you actually keep. Here's why the account type matters
Managing Money • Aug 05
Holding savings outside a TFSA could be costing Canadians hundreds in unnecessary taxes
A TFSA and a regular savings account can offer the same interest rate, but taxes can significantly reduce what you actually keep. Here's why the account type matters
Managing Money • Aug 05
The $1.25 million tax break business owners need to check before they sell
Most incorporated professionals never check if their shares actually qualify for this tax break until a buyer is already at the table
Managing Money • Aug 05
The $1.25 million tax break business owners need to check before they sell
Most incorporated professionals never check if their shares actually qualify for this tax break until a buyer is already at the table
Managing Money • Aug 01
Morningstar just lowered the 4% rule to 3.9% — here's what it means for your retirement
Morningstar's 2026 update trims the safe retirement withdrawal rate to 3.9%, and Canada's mandatory RRIF minimums may already push retirees past it
Managing Money • Aug 01
Morningstar just lowered the 4% rule to 3.9% — here's what it means for your retirement
Morningstar's 2026 update trims the safe retirement withdrawal rate to 3.9%, and Canada's mandatory RRIF minimums may already push retirees past it
News • Jul 27
Ray Dalio says the U.S. had its 'Suez moment' — what a weaker U.S. dollar means for Canadian savers and snowbirds
Billionaire investor Ray Dalio says the U.S. just had its 'Suez moment' — here's what a weakening U.S. dollar could mean for Canadian snowbirds, retirees and cross-border investors
News • Jul 27
Ray Dalio says the U.S. had its 'Suez moment' — what a weaker U.S. dollar means for Canadian savers and snowbirds
Billionaire investor Ray Dalio says the U.S. just had its 'Suez moment' — here's what a weakening U.S. dollar could mean for Canadian snowbirds, retirees and cross-border investors
Insurance • Jul 23
Ontario home insurance now averages $2,235 a year, up 6% from 2025. Here’s why
Home insurance premiums across Ontario climbed this year, with northern towns paying nearly 50% more than average — here's what's driving costs and how to manage your renewal
Insurance • Jul 23
Ontario home insurance now averages $2,235 a year, up 6% from 2025. Here’s why
Home insurance premiums across Ontario climbed this year, with northern towns paying nearly 50% more than average — here's what's driving costs and how to manage your renewal
Insurance • Jul 20
Canadians may be underestimating this $2,500 home insurance deductible trap
A rising tide of burst pipes, sewer backups, and storm damage means many Canadian homeowners could face a $2,500 deductible before their insurer pays a cent
Insurance • Jul 20
Canadians may be underestimating this $2,500 home insurance deductible trap
A rising tide of burst pipes, sewer backups, and storm damage means many Canadian homeowners could face a $2,500 deductible before their insurer pays a cent
Banking • Jul 18
Ray Dalio says savings equal freedom — here's the number many Canadians are missing
High income doesn't guarantee financial security. Here's how to calculate the savings threshold that protects you if your paycheque stops — and why CRA and CPP rules make it higher than you think
Banking • Jul 18
Ray Dalio says savings equal freedom — here's the number many Canadians are missing
High income doesn't guarantee financial security. Here's how to calculate the savings threshold that protects you if your paycheque stops — and why CRA and CPP rules make it higher than you think
Managing Money • Jul 17
Canadians owe $3.25 trillion! Use Ray Dalio’s simple test to sort good debt from bad
The billionaire investor's simple test for sorting good debt from bad debt matters more with Canada's household debt-to-income ratio at a record 179.6%
Managing Money • Jul 17
Canadians owe $3.25 trillion! Use Ray Dalio’s simple test to sort good debt from bad
The billionaire investor's simple test for sorting good debt from bad debt matters more with Canada's household debt-to-income ratio at a record 179.6%
Investing • Jul 14
Canada enacted the Stablecoin Act — here's what the new Bank of Canada oversight means for your crypto payments
Bill C-15 gave the Bank of Canada authority over stablecoin issuers. The rules aren't fully in force yet — but the platforms you use may already need to change.
Investing • Jul 14
Canada enacted the Stablecoin Act — here's what the new Bank of Canada oversight means for your crypto payments
Bill C-15 gave the Bank of Canada authority over stablecoin issuers. The rules aren't fully in force yet — but the platforms you use may already need to change.
Insurance • Jul 10
Nearly 1 in 3 Canadians couldn't survive 6 months financially after major illness — most lack critical illness insurance
Nearly 1 in 3 Canadians say their savings would run out in six months after a major diagnosis — and 91% have no critical illness insurance to fill the gap.
Insurance • Jul 10
Nearly 1 in 3 Canadians couldn't survive 6 months financially after major illness — most lack critical illness insurance
Nearly 1 in 3 Canadians say their savings would run out in six months after a major diagnosis — and 91% have no critical illness insurance to fill the gap.
Investing • Jul 10
A finfluencer’s penalty signals a crackdown — what Canadians need to know now about social media investing advice
The Alberta Securities Commission found Jayconomics guilty of promoting stocks without disclosing paid partnerships — the OSC warns this problem is much bigger than one person
Investing • Jul 10
A finfluencer’s penalty signals a crackdown — what Canadians need to know now about social media investing advice
The Alberta Securities Commission found Jayconomics guilty of promoting stocks without disclosing paid partnerships — the OSC warns this problem is much bigger than one person
Managing Money • Jul 07
This common newcomer TFSA mistake can cost you $670 a month in CRA penalties — here’s how to avoid it
TFSA contribution room only accumulates from the year you became a Canadian resident — not from 2009. Here’s how to confirm your real limit and what to do if you’ve already over-contributed
Managing Money • Jul 07
This common newcomer TFSA mistake can cost you $670 a month in CRA penalties — here’s how to avoid it
TFSA contribution room only accumulates from the year you became a Canadian resident — not from 2009. Here’s how to confirm your real limit and what to do if you’ve already over-contributed
News • Jul 01
2.5 million Canadians already use Koho. A $1.33B valuation and a new bank license could make it a Big Six rival
Koho Financial is one regulatory step away from becoming a chartered Canadian bank. Here's what a Schedule 1 license would actually mean for your money.
News • Jul 01
2.5 million Canadians already use Koho. A $1.33B valuation and a new bank license could make it a Big Six rival
Koho Financial is one regulatory step away from becoming a chartered Canadian bank. Here's what a Schedule 1 license would actually mean for your money.
Managing Money • Jun 27
Incorporated professionals may be missing a tax break worth thousands — the $50,000 passive income trap
Incorporated professionals who hold investments inside their operating corporation may be eroding the small business deduction — one of Canada's most valuable corporate tax breaks.
Managing Money • Jun 27
Incorporated professionals may be missing a tax break worth thousands — the $50,000 passive income trap
Incorporated professionals who hold investments inside their operating corporation may be eroding the small business deduction — one of Canada's most valuable corporate tax breaks.
News • Jun 26
3 million temporary residents face financial uncertainty as Canada reduces PR targets by 18%
Ottawa has cut immigration, reducing permanent resident targets to 395,000 in 2025 and 365,000 in 2026. Here's what it means for newcomers' eligibility for mortgages and registered accounts.
News • Jun 26
3 million temporary residents face financial uncertainty as Canada reduces PR targets by 18%
Ottawa has cut immigration, reducing permanent resident targets to 395,000 in 2025 and 365,000 in 2026. Here's what it means for newcomers' eligibility for mortgages and registered accounts.
News • Jun 25
Banks are withdrawing fraud settlements if customers escalate — OBSI says it must stop
Canada's banking ombudsman reported that banks are withdrawing fraud settlement offers when customers escalate complaints — here's what that means for you and how to protect yourself.
News • Jun 25
Banks are withdrawing fraud settlements if customers escalate — OBSI says it must stop
Canada's banking ombudsman reported that banks are withdrawing fraud settlement offers when customers escalate complaints — here's what that means for you and how to protect yourself.
Managing Money • Jun 24
Nearly half of Canadian nurses can’t cover a $1,000 emergency — even those earning $80,000 or more
A national survey of 4,736 Canadian nurses reveals persistent financial stress despite professional salaries. Here’s what’s driving the shortfall — and what to do about it.
Managing Money • Jun 24
Nearly half of Canadian nurses can’t cover a $1,000 emergency — even those earning $80,000 or more
A national survey of 4,736 Canadian nurses reveals persistent financial stress despite professional salaries. Here’s what’s driving the shortfall — and what to do about it.
Managing Money • Jun 22
The $1.25 million tax break business owners need to check before they sell
The lifetime capital gains exemption now shelters up to $1.275 million in gains on a qualifying business sale, but the qualification rules trip up many incorporated professionals.
Managing Money • Jun 22
The $1.25 million tax break business owners need to check before they sell
The lifetime capital gains exemption now shelters up to $1.275 million in gains on a qualifying business sale, but the qualification rules trip up many incorporated professionals.
Explore more authors
We’re proud of our contributors, and can’t wait for you to meet them.
Sarah Pritzker
Contributor
Nick Borek
Freelance Writer
Eric Esposito
Freelance Contributor
Leah Zitter
Contributor