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Personal Wealth and Finance


Registered Investments

Avoid RRSP Overcontributions

Investor Insight

The Power of Women Investors

The incoming generation of investors will be younger and much more diverse, with women now partaking of an increasingly prominent role in building and growing family and personal wealth. This includes millennial women, single mothers, and entrepreneurial women owning or …

 

More Recent Articles


Life View

The Joy of Planned Giving

You don't need to be rich or famous to get involved—everyone can! For example, for just dollars a day you can help feed a child through World Vision. Talk to your advisor about the tax benefits of charitable donations.

 

Investor Insight

Why is portfolio strategy important?

Understand your risk tolerance Each of us has a personal level of risk tolerance which indicates how much risk one is willing to take while investing in markets that always go up and down. Your advisor can help you establish your own unique governing guideline.

 

Financial Viewpoint

Working out financial agreements with my fiscal partner

When establishing a financial strategy involving other stakeholders, such as paying down a mortgage, develop a written plan that all parties agree on. You can create written point-form agreements for each to sign in areas of investing, registered vehicle planning, debt repayment, etc.

 

Investor Insight

Empowering Wealth Creation for Millennials

Between the late-1970s and the mid-1990s, the most significant generation in the Canadian workforce referred to as millennials (or Generation Y) was born. As the largest generation by population size in North America, by 2025, three out of every four …

 

Estate View

Legacy Planning to Maximize your Life’s Influence.

It is important to plan the most efficient manner of leaving hard-earned assets to heirs. Try to attend to these concepts to maximize your legacy. Keep your testamentary trust (your will) updated. Without an updated will, deceased heirs may be …

 

Financial Viewpoint

Planning your CPP: Review 2018-2019

The Canada Pension Plan (CPP) provides contributors and their families with partial replacement of earnings in the case of retirement, disability or death. Almost all individuals who work in Canada outside Quebec contribute to the CPP. Calculating your CPP while …

 

Tax Tips Quarterly

Planning Together – Spousal RRSPs and Tax

A spousal RRSP account in your name belongs to you. By contributing to your account, a tax deduction can be claimed by the contributor minimising income tax payable currently.

 

Registered Investments

The Registered Education Savings Plan (RESP) for Educational Planning

Facts about an RESP A Registered Education Savings Plan (RESP) is a savings plan registered with the government that can help you save for your child’s post-secondary education. Money invested in an RESP grows tax-deferred. The government helps contribute to …

 

Investor Insight

Education’s effect on future income

In Canada, the government allows a welcome tax break when you save for your child's education. As parents, we need to consider the effect that education will have on the future income and lifestyle of our children.

 

Tax Tips Quarterly

Plan your RRSP Ahead to Reduce Taxable Income

Every year we publish legislative and current updates to the Registered Retirement Savings Plan (RRSP) and Pooled Registered Pension Plan (PRPP) and Specified Pension Plan (SPP).

 

Wealth Viewpoint Quarterly

Many worry about impending retirement

Anxiety over inadequate retirement funds is a stress needling many who are approaching the period of not working — meaning retiring and reliant upon saved monies to supply a monthly cash flow. It’s not checking off the bucket list that …

 

Life Insurance

Family Capital Legacy: Strategies to consider

You may want to include multi-generational strategies to include estate plans and long-term provisional care with your senior family members who may depend on tax planning ahead of time. Family Capital-Transfer Strategy Seniors may be able to transfer capital to …

 

Life Insurance

Two income solutions if you are disabled

The individual should include some form of disability coverage to replace his or her income.

 

Life View

Good financial plans use life insurance

In the event of the death of the insured, life insurance is designed to create capital. It provides a precautionary measure in a financial plan to stabilize the financial security of loved ones reliant on your income or your capital provision. If you have a spouse or children, make sure you have adequate life insurance coverage.

 

Wealth Viewpoint Quarterly

Why widows need a financial plan

The widow population over the age of 65 is one of the fastest growing demographics facing poverty! Senior widows outnumber widowers four to one and represent about 45% of all women aged 65 and over.

 

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