“Either you can retire or your money can retire but not both.” Recently, a wise friend reminded us of this astute phrase to highlight the point that we must make our money work for us.   Our sustainable program of “pension-style” investing maximizes your benefits. We promote this approach because it best assists you to prepare...Read More

A financial advisor’s primary responsibility is to help you clarify and achieve your financial goals. Unfortunately, hearing once a year from an advisor is standard practice. However, regular communication with your advisor is vital to ensure your investment plan continues to serve you best. The information you provide is necessary to properly take care of...Read More

We came across a detailed article, “How to Gift Money to a Family Member or Friend in Canada” which answers  many common questions about the practice of giving or receiving money. https://www.springfinancial.ca/blog/save-invest/how-to-gift-money-to-family-member-or-friend-canada Topics such as restrictions on gifting, the amount you can gift, potential taxes, important differences between Canada and the U.S., as well as...Read More

On September 18, 2024, the Federal Reserve cut the federal funds rate 50 bp from 5.25% to 4.75%. Naturally, people have asked for information about financial markets in the months and years following such events.   We welcome the opportunity to discuss your needs and to explain how our balanced and diversified portfolios can help you...Read More

We want you to know that we invest in the same “pension-style” portfolios we recommend for clients.  We delegate the day-to-day investment decisions to our elite suite of professional mutual fund companies who are carefully selected for their solid long-term track records. Pension-style investing means: Our financial consultation aims to fund your long-term financial needs....Read More

“Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn’t pays it.” ~ Albert Einstein In this illustration from Fidelity Investments one investor, Susan, starts saving early but invests only half as much money as John who waits to invest – but Susan still ends up with more....Read More

The Warren Buffett Stock Market Indicator measures if the stock market is too high or low by simply comparing its total dollar value to the total dollar value of the U.S. economy (GDP). Currently, this indicator, which is Mr. Buffett’s favourite, is two standard deviations above average showing that the stock market is expensive relative...Read More

We think now is a good time to speak to people individually to provide an update of our investment thinking going forward. Recently, some indicators we watch, such as the Warren Buffet Market Indicator, have signalled it may be time for investors to pay closer attention to financial markets.   During these uncertain times we would...Read More

If you have any Estate Planning questions please give our team a call to set up a time to review your unique circumstances and how your investment accounts can provide you with important Estate Planning benefits.  This excerpt from an Estate Planning article linked below discusses named beneficiaries:   “Here’s a tip. If you haven’t named...Read More

If you want to know the financial net worth of the average Canadian see below. This chart is from an article by Fidelity Canada entitled, How Much do Canadians need to Save for Retirement?https://www.fidelity.ca/en/insights/articles/how-much-canadians-save-for-retirement/ Although this survey was taken in 2019 and it does not include real estate but only financial assets (minus: Tax Free Savings...Read More