A general fall in the value of stock markets could present serious challenges to retirees and those who are late in their careers. Rather than benefitting from an opportunity to purchase lower priced securities, those investors may now have to sell their investments to withdraw funds in order to provide for their retirement needs. This...Read More

Buying low and selling high are much easier said than done because we are naturally more excited to purchase investments in rising markets but when markets fall we tend to worry and sometimes sell at or near lows.    Our pension style portfolios take this responsibilty off of your shoulders and help you navigate through...Read More

In this newsletter we have attached Fidelity’s 2025 Retirement Report. This survey of 2,000 Canadians provides an overview of their attitudes and preparedness regarding retirement.  What is the outlook for Canadians who want to retire soon? Do they believe they have enough savings and do they anticipate working post-retirement in some form? What do they...Read More

“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