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Where do we go from here?

When markets fall, the next peak usually isn’t far away Bear markets can be brutal… But bull markets have a history of charging back. S&P/TSX Composite Index: Bull and Bear Market Returns,1977-20221 “The TSX grew 96.71% since the COVID bottom in 2020 to the most recent peak on 3/29/2022. The index then fell 17.02% to…

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

Understanding the different types of life insurance

There are different types of life insurance to suit the needs of different people. Understanding the difference can really help you to choose a solution that works best for you. Talking with an advisor is obligation-free and may put you more at ease with making decisions that will have a financial impact as well as…

Dollar Cost Averaging

If market volatility has caused you to transfer your money into GICs or cash, you may want to ask yourself if you are still on track to meeting your personal goals. Whether it’s saving for retirement, a home or a child’s education, keeping money in a lower-earning investment option may not give you the growth…

Wishing You and Your Family a Happy a Healthy Holiday and a Prosperous New Year!!

Job A or Job B?

You have been offered a job and must pick between two different compensation structures. Which one are you choosing? Job A will pay you $80,000/year while working and $0 if you are unable to work due to an injury or illness. Job B will pay you $78,500/year while working and $53,000 (tax-free) if you are…

The power of the kid start strategy

Kid Start from Empire Life is a whole life insurance strategy that leverages the tax advantages of individually owned life insurance to help give the next generation a financial head start in life. Kid Start offers a number of advantages over traditional financial vehicles used for tax-advantaged intergenerational wealth transfer, including: Access to cash via…

Remember, you can’t get life insurance once you need it!

RESP Benefits

A Registered Education Savings Plan (RESP) is a special savings account to help Canadian residents save for a child’s post-secondary education. Benefits include: Help you systematically save and plan for a child’s education Tax-sheltered growth – there are no taxes payable on the money earned in an RESP until it’s withdrawn Government Grants – Government…

Reminder – Life Insurance is a simple act of love

Add to your family/business payroll The day you leave, insurance will come in to cover Use the interacvtive calculator to calculate the amount of coverage and cost specific to you. Receive a detailed report with multiple comparisons. Get started now

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