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Financial Library

Maximize Your RRSP Return Through Asset Location

Posted on: July 8, 2019

Do you know the real rate of return on your investments? Generally, Canadians measure the success of their investments based only on the rate of return. While it provides a good snapshot of whether an investment is doing well or not, it is not the only criterion for a true picture of success. A good portfolio is based not only on the return, but also by the tax implications of the investments.

Tags: 
tax planning

Too Much Life at the End of the Money

Posted on: July 8, 2019

You have probably heard the phrase; too much month left at the end of the money. Paying for housing, groceries, fuel, utilities and various child rearing expenses, although very necessary, can put a huge strain on a family when outlays sometimes exceed your income. Fortunately, this is usually only a temporary hiccup in most people's lives.

Tags: 
retirement planning

Predicting Financial Events

Posted on: June 10, 2019

Clients often call when markets are looking a bit shaky, or newspaper articles are predicting the next market correction, recession, bubble, etc.

The challenge with reacting to such events or news is that the external circumstances rarely have anything to do with your specific situation and plan. Your mission, should you choose to embrace it, is to build assets through savings and investment returns so that you reach your targeted savings value needed to support your lifestyle and cash flow needs in retirement.

Tags: 
financial strategy

Your Financial Dream Killer

Posted on: June 10, 2019

Despite what many people think, the number one financial dream killer isn't portfolio losses, or financial emergencies, or unemployment, and not even natural disasters. The number one reason people fail to reach their financial goals is procrastination - putting off the inevitable until the cost of your dreams or goals become prohibitively expensive.

Tags: 
financial strategies

Buying and Selling the Business when an Owner Dies

Posted on: June 10, 2019

Like many business owners, Rick and Warren thought it would be a simple process to continue the business when one of them died.

Nothing could be further from the truth.

Rick and Warren had a printing company and were equal partners. Warren died suddenly. Warren's shares passed to his widow, Sarah, who became Rick's new partner. She expected a regular paycheque to continue, even though she knew nothing about the printing business and could not contribute to the daily operations of the company.

Tags: 
estate planning
business planning

Looking at Investment Returns

Posted on: May 13, 2019

A major Canadian financial institution ran an investment promotion earlier this year that promised attractive returns for GIC-type investors, who needed higher returns to generate income. While dealing with an advisor from this particular institution on another matter, the conversation turned to the details of their offer.

Tags: 
investment planning

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Insurance products, including segregated fund policies are offered through WealthRite Financial Group Inc., and D’Arcy Mosher, Jason Henderson, Karen Archer, Gay Kukovica, Alisha Cluff and Mitchell McCracken offer mutual funds and referral arrangements through Quadrus Investment Services Ltd.

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