Please enjoy these helpful primers, explainers, and up-to-date articles. They cover all aspects of your financial life.
What types of life insurance are there? How much life insurance is right for you? How much does it cost? We’re here to help you figure it out.
Most Canadians have some type of life insurance, but most Canadians are either under-insured, inappropriately insured or do not understand how their life insurance works.
7 quick actions you can take this month to improve your financial health in 2022. Summary The coming year will continue to be challenging for many individuals, households and businesses.
7 quick actions you can take before year-end to improve your financial health next year. Summary Over the course of the year, we send out dozens of financial tips designed
Summary RRSP must convert to RRIF when annuitant turns 71 Minimum annual withdrawals from RRIF start when annuitant turns 72 Younger spouse’s age may be used to determine withdrawal prescribed
Minimizing tax and maximizing flexibility when your student heads off to school. SUMMARY It’s that time of year again when high school graduates are off to post-secondary schools all across
Summary Most income sources in retirement are taxed By timing the withdrawals from your RRSP/RRIF and deferring your CPP benefits, you can maximize the Guaranteed Income Supplement (GIS) GIS is
Here’s the scenario: • Andy turned 71 this year and has earned income of $125,000 in the current year; his spouse, Mariam, is 68 and is retired. • Andy will
7 quick actions you can take this month to improve your financial health in 2021. In January, our focus was on starting the year off right following the craziness of
Thoughts on where you should invest this RRSP season It’s been said that Canada has five seasons: Spring, Summer, Fall, Winter, and, wedged somewhere in between Winter and Spring, RRSP
The financial industry’s switch from mutual funds to ETFs isn’t coming…it’s already here. ETF sales reached a “whopping” $41 billion, National Bank said. Covid-19 may have stopped the economy
7 quick actions you can take this month to improve your financial health in 2021. 2021 will be a year of many challenges. While yesterday’s inauguration of Joe Biden as
The following is the third installment of our continued analysis of the recent market volatility and assessment of investors’ options given current market conditions. As financial conditions continue to change,
On March 25, the Federal Government updated their financial support to the growing economic challenges caused by COVID-19. Click on the button or any of the links below for details.
If you, or someone you know, is feeling financially anxious or has been impacted financially by the COVID-19 crisis, please contact us for free, no-obligation, honest advice. The COVID-19 crisis
The response to our previous newsletter on tips to manage market volatility was overwhelming. Thank you to everyone who sent their questions and feedback. The most common request was for
The statistics are staggering. Historical single day losses. Historical single day gains. Multiple days of losses without more than a day’s reprieve. Markets down nearly 20% in under three weeks. Volatility
Most investment decisions come down to two factors: greed and fear. This greed and fear are conditional in that they depend, largely, on what’s happening in the markets. When markets
Responsible investment (RI), also called sustainable investment, involves investment decisions that avoid, reduce or eliminate the environmental, societal or governance (ESG) risks associated with a particular investment. For you as an
A Tax-Free Savings Account, or TFSA, is a type of investment and savings plan offered by the Government of Canada. A TFSA is a registered account, which means that the
Balance Financial is a full-service financial services company, offering its clients traditional and sustainable investment solutions, a full shelf of insurance solutions, plus complete financial planning, including retirement planning, tax planning and estate planning.
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