Realtor for life - Stacey Chan

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Realtor for life - Stacey Chan Hi, I'm Stacey Chan — your trusted realtor and wealth-building partner. Let's talk!

With 20+ years of real estate experience, I help families in Ontario, BC, and Alberta make smart property decisions and build lasting generational wealth.

10/07/2026

Toronto home prices fell for the second month in a row. The benchmark is now about $924,600 — down 4.7% from last year — and sales slipped 5.2% in September. Borrowing costs jumped as bond yields climbed, and buyers are sitting it out. If you're buying, run your numbers at today's rates. If you're selling, price ahead of the market. If you're renewing soon, talk to your lender early. 🏠

10/06/2026

We had an amazing investor bus tour and got a first-hand look at the management and assets behind both the student housing and storage facilities within our REIT.

The response was incredible — the tour was completely full and actually over-registered, with investors showing strong excitement about the opportunity. 🙌

It was such a successful event, and I’m excited to continue helping more investors explore opportunities in the private market.

If you’d like to learn more about the private-market investments I can help you access, feel free to reach out to me directly. 📩

10/06/2026

Fixed mortgage rates in Canada just jumped again — up 30-50 bps in a month. If your mortgage renews in the next 6-12 months, talk to a broker now about a rate hold. It costs nothing and protects you if rates keep climbing. Follow for more money and real estate insights.

10/02/2026

I'm a Realtor, but sometimes my advice is: don't buy the property.”

If buying leaves you with almost no emergency reserves, the numbers don't work without aggressive assumptions, you're depending on maximum leverage, or you're buying because everyone else seems to be buying—it may be worth reconsidering.

Missing one deal isn't necessarily a mistake.

A bad investment can tie up your capital and limit your ability to take advantage of a much better opportunity later.

Sometimes building wealth isn't about knowing when to buy. It's knowing when to walk away.

09/29/2026

Same income, different tax timing.
Employees usually pay personal tax as they earn.
Business owners may have more control.
That is why successful owners use a corporation.
But let’s be clear: a corporation does not erase taxes.
It can create flexibility.
Some profits may stay inside the company for reinvestment, instead of being paid personally.
You might structure compensation differently, depending on your situation.
Eventually, tax may still be due when money reaches you personally.
The benefit is timing, cash-flow control, and long-term planning.
So do not wait until tax season.
Plan before signing a deal, moving money, or taking income.
Before using a corporate strategy, speak with your accountant or tax advisor.
Good planning means informed choices.
It is about making informed choices before the transaction.
Comment PLAN if you want a simple tax checklist.

09/23/2026

Here’s the part most people miss: wealthy families may donate more because they plan the donation, not because they care less about money.
In Canada, eligible donations can generally create donation tax credits.
Now, consider an investment that has grown significantly.
If you sell it first, you may owe capital-gains tax, then donate the remaining cash.
In some cases, donating the appreciated security directly can be more tax-efficient, because special rules may reduce or eliminate that capital-gains tax.
The charity may receive more, while you may receive a tax benefit.
But this is not about giving just to save tax.
It is about supporting a cause you value and making dollars work harder.
That is why wealthy families often involve an accountant, financial advisor, and charity before making large gift.
Give with purpose.
Plan with purpose.

09/18/2026

Most new investors miss this: a property can look profitable and still deliver a disappointing after-tax return.
Real estate is not only about appreciation; tax treatment matters too.
Depending on the property and its use, eligible costs may reduce rental income, including interest, management fees, repairs, and capital cost allowance.
But a deduction is not a government refund.
It usually lowers the income that gets taxed.
Some deductions may also create tax consequences later.
So experienced investors ask two questions: How much can this property make, and how much will I keep after tax?
For example, an attractive gross return can shrink once expenses, taxes, and future adjustments are included.
Before you buy, run the numbers with your accountant.
Check cash flow, deductible expenses, financing, and possible future tax costs.
Remember, gross return is not after-tax return.

09/13/2026

Two investments both advertise a 10% return.
But one could leave you with 6%, the other 9%.
Why?
Because income type, tax structure, your bracket, and when tax hits all change what you actually keep.
An investment taxed at a high personal rate can leave you with less cash than another with a different tax profile.
Even if the advertised return looks the same.
That's why I focus on after-tax returns, not just headline numbers.
That's your real return.
Don't be fooled by the rate.
My rule is simple.
Don't ask how much an investment can make.
Ask how much you keep after tax, fees, and risk.
That's how you build long-term wealth.
Always get professional tax advice before you invest.
Have you checked your after-tax return?
Let me know in the comments.

09/10/2026

The safest way to lose money in AI right now? Bet on who's going to win. Remember when everyone thought Yahoo or Hotmail would rule the internet? Then Google changed the game. The real winners weren't obvious at the start. That's why smart investors don't just pick favorites. They look for the companies selling the shovels. During the gold rush, most miners failed, but tool suppliers thrived. In AI, it's the same. Instead of betting on one app, focus on data centers, semiconductors, cloud, energy, networking, cybersecurity. If AI grows, these businesses win no matter who leads. Investing isn't just about finding the next Google. Sometimes, it's about owning the roads and shovels everyone needs.

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640 Riverbend Drive
Kitchener, ON
N2K3S2

Telephone

+15195027988

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