ADVICE

Live for today. Plan for Tomorrow.

Please enjoy these helpful primers, explainers, and up-to-date articles. They cover all aspects of your financial life.

CRASH COURSE

Life Insurance 101

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.

working-home-father-dad-kids-chaotic-working-from-home-home-office_t20_e9y9r7

BRIEFINGS

Retirement Tax Tip #3

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

Read More »

Withdrawing from an RESP

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

Read More »

Tax-Free Income in Retirement

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

Read More »

RRSP or TFSA

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

Read More »

January Financial To-Do List

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

Read More »

Market Volatility: What should you do?

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

Read More »

Greed and Fear

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

Read More »

QUICK PRIMER ON RESPONSIBLE INVESTING AND ESG

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

Read More »