#finance

Top 10 Financial Mistakes Canadians Make And How To Avoid Them

Canadians often find themselves making financial decisions that can significantly impact their future well-being. From overspending to misunderstanding credit, these common mistakes can lead to long-term repercussions on your financial stability. This blog post will guide you through the top 10 financial mistakes Canadians make and provide you with actionable strategies to avoid them. For…

How To Master Personal Finance – Avoiding Common Pitfalls As A Canadian

Most Canadians struggle with personal finance due to common pitfalls that can derail their financial health. Understanding how to navigate these challenges is imperative for building a secure financial future. In this article, you’ll discover strategies to avoid debt traps, manage your budget effectively, and make informed investment decisions. By implementing these imperative tips, you…

Incorporating Inflation into Financial Planning

Posted by Peter Wouters Sep 20, 2022 5:00:37 PM Directeur, Planification fiscale et successorale et planification de la retraite, Gestion de patrimoinePlacements Empire Vie

4 estate planning tips

4 estate planning tips 1. Make a will 2. Appoint an executor 3. Think about the fiscal impacts 4. Discuss it Nobody likes to think about death or the burden it often represents for those we leave behind.Yet, it is important to be ready. Don’t postpone this important task―the decisions you have to make won’t…

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Retirement Income Enhancer – Insured Annuity

If you are like most Canadians, you may be looking for: Guaranteed supplemental retirement income Ways to guarantee you don’t lose any of your hard-earned money A guaranteed income certificate (GIC) will work perfectly. The problem is that GIC revenue is interest income and is taxed at your marginal tax rate. In today’s low interest…

Segregated Funds Benefits

As you know, I’ve helped you manage your risk be it with life insurance, critical illness, or disability insurance. I also have expertise in helping you with your investments and managing risk there too. As an independent insurance advisor, I’m uniquely qualified to offer you segregated funds, which are an investment product with principle guarantees,…

Intro to Segregated Funds

Investing your money is an effective way to put your money to work and build your wealth. By investing smart, it helps give you more flexibility to earn more on your money, build more security for your retirement, and ultimately give you the chance at achieving your financial goals and dreams. However, investing comes with…

Enhance Your Charitable Giving Using Life Insurance

According to Statistic Canada, over $10,000,000,000 was donated from 5,000,000 Canadians to charity in 2019. All these donations are eligible for a non-refundable tax credit. By using Life Insurance, you can increase your overall charitable donation benefiting a cause that really means something to you. Donating funds to the Canada Revenue Agency through taxation just…

ESG Investing

More and more, Canadians want their investments to reflect their personal values and we want our investments to have an impact for positive change in the world. There are many approaches to responsible investing, including: Climate change Women in leadership Community development Excluding fossil fuels, weapons, and vices Companies that perform well on environmental, social…

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