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
We routinely cover the following topics with clients because they can significantly affect their personal finances. This framework can help prepare you for financial success. Let us know if you have any questions and we can set up a time to discuss your financial goals with you. 1. Budget and Balance Sheet Issues Taking periodic...Read More
March 3, 2025 is the last day to make an RRSP contribution for the 2024 tax year. You can find your personal contribution limit on your Notice of Assessment (NOA) from Canada Revenue Agency and can confirm with your Tax Advisor. These are some potential benefits of an RRSP to consider: You receive an RRSP tax deduction to use against income Your...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
“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
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
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
Independence. Yes please. To us, “independent financial advice” sounds like the only kind that should be available. Yet the landscape is dominated by advisors who can only be described as conflicted or handcuffed – options that don’t sound like they have a customer’s best interest at heart. Founded on the principle that our independence ensures...Read More
