We want you to alert you to a fraudulent website scam costing Canadians their savings: Spoofing! “Spoofed” websites look like the real thing but they are fake! This scam is so dangerous because criminals carefully imitate trusted websites in order to empty victims’ bank accounts. By clicking on a link in a text or email link – or even performing...Read More

We have all experienced a tremendous amount of change during the first half of this decade! In his article, The Most Volatile Decade, Ben Carlson notes the paradox for investors during these last five years: “The booms and busts are happening faster than ever yet the market continues to charge higher.” “Although this decade has seen a...Read More

Fidelity Investments has just released their 2025 Retirement Report which contains a wealth of information regarding retirement in Canada.  Contact us and we will send this valuable report to you.  We highly recommend that you read this excellent summary of financial issues and trends affecting Canadians, including: changes in average retirement age, expected savings needed to...Read More

When you work with a financial advisor you need to know what services you may expect. We designed our advisory service to provide you with personalized investment advise. Accordingly, our professionals are always available to meet with you. We created our team’s website and we send out regular emails to keep you up-to-date on matters...Read More

Everyone is happy when stock markets rise and, fortunately, they do achieve positive returns most years.  Yet, the longer you invest, the more likely it is you will encounter challenging markets. Still, the only way for investors to fully enjoy their attractive long-term gains is to stay the course during market dips.  Our “pension-style” portfolios...Read More

As you may know, the composition of the S&P500 has changed dramatically over time. In fact, the top 10 stocks in the index are completely different today than they were only a few years ago!   Considering that many of the most successful companies were replaced in the index by competitors, we can be reasonably confident the leadership...Read More

One of the most practical books we recommend on personal finances is The Millionaire Next Door. This New York Times best seller, written in 1996 by Thomas Stanley, Ph.D. and William Danko, Ph.D., studies the money habits of people who consistently become wealthy.   7 Factors describe those who build substantial wealth: They live well below their...Read More

As the S&P500 recovers from a recent correction we have an opportunity to review the risk vs return of stocks.  Last year, the S&P500 finished up 24.9% with a drawdown of 8.5% – That’s a swing of 33.4%! This year the index fell approximately 20% before rebounding, but of course, we don’t know how this...Read More

We truly value our client relationships and the trust placed in us.  Our mission is to provide our clients with peace of mind as we look after the process of investing for them. We optimize our “pension-style” portfolios so you can spend your time doing what you love.  Check out what our clients are saying about us: We are very happy with the service we receive from Graz, Paul and Joseph, enjoying our retirement and...Read More

Investors sometimes ask, “Should we wait until stock markets have bottomed before we invest?”  We would like to share two reasons why our answer is “no.” Stock markets bottom well before economic downturns are at their worst.    Life is more important than worrying about negative headlines.    Stock markets look forward. Prices bottom long before corporate...Read More