Wealth Management
It’s happened. Your child has flown the nest and has settled in a college or university. With this increased independence, you may want to teach your child about finances by alerting them to a couple of key danger areas in managing money: spending more than they can afford and abusing credit cards. Keep a budget…
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Talking about money in a new(ish) relationship. Growing into a relationship is partly about discovering the things two people have in common – from favourite activities and hobbies to shared attitudes and beliefs. And, while it may not be one of the first subjects to come up, the topic of money is bound to surface…
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Many Canadians save and invest not just to build a better future for themselves but also to leave a financial legacy for their children or grandchildren. Without proper planning, however, much of that legacy could wind up going to the government in the form of taxes. For example, suppose you own a vacation property (that…
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The following graph shows the rolling returns (returns over X consecutive years) for 1, 5, 10 and 20 years. The green lines are positive returns and the red are negative returns. Each consecutive line shows more green lines and fewer red lines thus showing that the longer you stayed invested, the better chance of positive…
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RETIREMENT READY?
You want to balance your mortgage, kids’ education, and retirement savings. Are you saving enough to meet your goals and be ready for retirement?
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How to support their care for a lifetime. Most families are concerned about planning for their children’s financial futures, but for families with special needs children, financial planning strategies have a different and often more complex dimension. The cost of supporting an individual with special needs adds up quickly – from therapies, medical equipment and special…
Read MoreDo you think that retirement for you and future generations will be significantly different than it is for current retirees? If you say, “yes”, you’re not alone. Most consumers anticipate meaningful differences. Thoughts, expectations, confidence and planning do differ when considering age and gender. Here are some recent findings shared with permission from the LIMRA…
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Read MoreTaxes may be inescapable, but your choice of investments can have a huge impact on how much tax you pay. It all depends on your personal situation and how you structure your investment portfolio. 3 types of investment income and how they work A basic investment portfolio can generate three types of income: Interest income.…
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