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
Credit Cards • 2367 views
Tim Hortons is killing its credit card — what happens to your rewards points?
Credit Cards • 12260 views
Warren Buffett's cash pile shows Canadians the best guaranteed return is already in their pocket
More from Colin Graves
LATEST
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.
Investing • Jun 16
Do gold and crypto belong in a Canadian RRSP or TFSA — or is more diversification too risky?
A small slice of gold and a sliver of bitcoin can smooth a Canadian portfolio’s ride. Pile in too much and the math turns against you — here’s where the line sits
Investing • Jun 16
Do gold and crypto belong in a Canadian RRSP or TFSA — or is more diversification too risky?
A small slice of gold and a sliver of bitcoin can smooth a Canadian portfolio’s ride. Pile in too much and the math turns against you — here’s where the line sits
Managing Money • Jun 14
Most Canadians save for retirement, but skip the withdrawal plan that makes the money last
Building a nest egg is the easy part. The harder, more valuable work is deciding when to draw from which account — the order can change how long the money lasts
Managing Money • Jun 14
Most Canadians save for retirement, but skip the withdrawal plan that makes the money last
Building a nest egg is the easy part. The harder, more valuable work is deciding when to draw from which account — the order can change how long the money lasts
Life • Jun 11
The luggage tag scam that could land Canadian travellers in deadly legal trouble abroad
An exclusive investigation reveals a luggage tag-switching scheme at Canadian airports that could expose innocent travellers to drug smuggling charges in countries where the penalty is death
Life • Jun 11
The luggage tag scam that could land Canadian travellers in deadly legal trouble abroad
An exclusive investigation reveals a luggage tag-switching scheme at Canadian airports that could expose innocent travellers to drug smuggling charges in countries where the penalty is death
Credit Cards • 2367 views
Tim Hortons is killing its credit card — what happens to your rewards points?
The Tim Hortons Mastercard is being discontinued. Here's what every Canadian cardholder needs to understand before the October deadline
Credit Cards • 2367 views
Tim Hortons is killing its credit card — what happens to your rewards points?
The Tim Hortons Mastercard is being discontinued. Here's what every Canadian cardholder needs to understand before the October deadline
Insurance • Jun 04
Why tariffs on auto parts could push your car insurance premium higher at renewal
Trade tariffs are raising the cost of parts and repairs — and insurers are watching closely. Here's how that could affect your premium and what to do about it
Insurance • Jun 04
Why tariffs on auto parts could push your car insurance premium higher at renewal
Trade tariffs are raising the cost of parts and repairs — and insurers are watching closely. Here's how that could affect your premium and what to do about it
News • Jun 03
Ontario's Billy Bishop takeover: who really benefits?
Ontario's plan to take over and expand Billy Bishop Airport would boost a J.P. Morgan-linked terminal operator — and raises questions Canadians deserve answers to.
News • Jun 03
Ontario's Billy Bishop takeover: who really benefits?
Ontario's plan to take over and expand Billy Bishop Airport would boost a J.P. Morgan-linked terminal operator — and raises questions Canadians deserve answers to.
Banking • Jun 02
Newcomers have a legal right to a basic bank account in Canada — and banks can't say no. Here's why
Federal regulations give newcomers the right to a bank account on day one in Canada — but many are still being turned away or pushed into costly products. Here's what the law says and how to use it
Banking • Jun 02
Newcomers have a legal right to a basic bank account in Canada — and banks can't say no. Here's why
Federal regulations give newcomers the right to a bank account on day one in Canada — but many are still being turned away or pushed into costly products. Here's what the law says and how to use it
Investing • May 30
3 ways Canadians can protect their savings from a weakening dollar
Rate cuts have eroded savings returns. Here's how gold, stocks and crypto can help Canadians shield their wealth when the Canadian dollar loses ground
Investing • May 30
3 ways Canadians can protect their savings from a weakening dollar
Rate cuts have eroded savings returns. Here's how gold, stocks and crypto can help Canadians shield their wealth when the Canadian dollar loses ground
Managing Money • May 29
Why newcomers to Canada carry more debt — and what to do about it
Canadian newcomers are carrying increasing amounts of debt after arriving in Canada. Here's what's driving it and how to build credit without digging a financial hole
Managing Money • May 29
Why newcomers to Canada carry more debt — and what to do about it
Canadian newcomers are carrying increasing amounts of debt after arriving in Canada. Here's what's driving it and how to build credit without digging a financial hole
Managing Money • May 14
Canadians 60 and older lose an average of $21,000 per fraud — here's why they're the top target
Federal data shows Canadians 60 and older account for nearly half of all fraud dollar losses — and fraudsters often target RRSP, RRIF, and pension savings specifically
Managing Money • May 14
Canadians 60 and older lose an average of $21,000 per fraud — here's why they're the top target
Federal data shows Canadians 60 and older account for nearly half of all fraud dollar losses — and fraudsters often target RRSP, RRIF, and pension savings specifically
News • May 13
CRA is warning Canadians about fake tax refund texts — what to know now
The Canada Revenue Agency has issued a fresh warning about fake tax refund texts. Here's what the scam looks like, who's being targeted and how to avoid it
News • May 13
CRA is warning Canadians about fake tax refund texts — what to know now
The Canada Revenue Agency has issued a fresh warning about fake tax refund texts. Here's what the scam looks like, who's being targeted and how to avoid it
News • May 12
OSFI warns AI voice cloning is putting Canadian bank accounts at risk
Canada's banking regulator has flagged AI voice cloning as an escalating fraud threat. Here's how the scam works, why your bank's security may not be enough and what to do right now.
News • May 12
OSFI warns AI voice cloning is putting Canadian bank accounts at risk
Canada's banking regulator has flagged AI voice cloning as an escalating fraud threat. Here's how the scam works, why your bank's security may not be enough and what to do right now.
Auto • May 08
Bad credit car loans in Canada: how to qualify, where to apply and how to save thousands in interest
Canadians with bad credit, a consumer proposal or bankruptcy on their file can still get behind the wheel — by knowing where to look and how to compare lenders
Auto • May 08
Bad credit car loans in Canada: how to qualify, where to apply and how to save thousands in interest
Canadians with bad credit, a consumer proposal or bankruptcy on their file can still get behind the wheel — by knowing where to look and how to compare lenders
News • May 07
Record $704 million lost to fraud in Canada last year — and most victims stayed silent
The Canadian Anti-Fraud Centre's data shows a record year for fraud losses — and the real toll is likely five to 10 times higher. Here's what the numbers reveal and how to protect yourself.
News • May 07
Record $704 million lost to fraud in Canada last year — and most victims stayed silent
The Canadian Anti-Fraud Centre's data shows a record year for fraud losses — and the real toll is likely five to 10 times higher. Here's what the numbers reveal and how to protect yourself.
Investing • May 06
CSA warns Canadians about WhatsApp stock scams that wipe out investors
Fraudulent 'investment groups' are using WhatsApp, Telegram and Discord to manipulate stocks and leave Canadian investors with catastrophic losses
Investing • May 06
CSA warns Canadians about WhatsApp stock scams that wipe out investors
Fraudulent 'investment groups' are using WhatsApp, Telegram and Discord to manipulate stocks and leave Canadian investors with catastrophic losses
Investing • May 05
6 steps to invest in crypto safely in Canada
Crypto is like the Wild West. These basic steps — and an updated look at Canada's rules — can help lower your risk.
Investing • May 05
6 steps to invest in crypto safely in Canada
Crypto is like the Wild West. These basic steps — and an updated look at Canada's rules — can help lower your risk.
Investing • Apr 30
Trading app outages hit Canadians hard during market swings — how to fight back and get compensated
When your trading app goes dark at the worst possible moment, there may be a path to compensation — but only if you move fast and document everything
Investing • Apr 30
Trading app outages hit Canadians hard during market swings — how to fight back and get compensated
When your trading app goes dark at the worst possible moment, there may be a path to compensation — but only if you move fast and document everything
Investing • Apr 29
Canadian crypto apps face OSC crackdown — here's how to check if your platform is registered
Regulators have fined and forced out dozens of crypto platforms operating in Canada. If your investment app isn't registered, your money may not be protected
Investing • Apr 29
Canadian crypto apps face OSC crackdown — here's how to check if your platform is registered
Regulators have fined and forced out dozens of crypto platforms operating in Canada. If your investment app isn't registered, your money may not be protected
Credit Cards • 12260 views
Warren Buffett's cash pile shows Canadians the best guaranteed return is already in their pocket
Buffett's cash pile has a lesson for every Canadian carrying a debt: The highest guaranteed return available in any market is hiding in your wallet
Credit Cards • 12260 views
Warren Buffett's cash pile shows Canadians the best guaranteed return is already in their pocket
Buffett's cash pile has a lesson for every Canadian carrying a debt: The highest guaranteed return available in any market is hiding in your wallet
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Aaron Broverman
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Doug Whiteman
Former Editor-in-Chief
Melanie Huddart
Contributor
Tara Losinski
Associate Editor