Do you want to know how to build meaningful wealth during a lifetime? The most proven way is achieved through business ownership. By investing wisely in the shares of companies trading on public stock exchanges, we become owners of companies which allows us to “share” in their growing corporate profits.  Evidence for the ability of business...Read More

In the classic movie, “It’s a Wonderful Life” there is a very important conversation about money.  A despairing George Bailey, asks his guardian angel, Clarence, “You don’t happen to have $8,000 bucks on on you, do ya?” Clarence responds, “Oh no, we don’t use money in heaven.” George replies, “Comes in pretty handy down here, bub!” ...Read More

On March 11, the S&P500 traded approximately 10% down from its peak – the definition of a market correction –  which may lead investors to ask what they should do.  Here are three important services we provide:  We check up on your personal financial goals: We can consult with you and put your financial “big picture”...Read More

The new First Home Savings Account (FHSA) has been introduced to try and help Canadians save for a down payment on their first home.  Below is some introductory information regarding the FHSA.  Appreciating that everyone’s situation is unique, as well as the complexities involved in this and other similar programs, professional tax advice is recommended. ...Read More

Hello Everyone, The annual limit for a Tax-Free Savings Account (TFSA) contribution in 2025 is $7,000.  A Canadian taxpayer who has never contributed to a TFSA and has been eligible for one since its inception in 2009 will have a cumulative contribution room of $102,000.  The TFSA can save Canadians (non-US citizens) a considerable amount...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

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