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Personal Wealth and Finance




Financial Viewpoint

The Psychology of Investing

There is long-standing investor wisdom that has proven over and over again that: “what goes down must come back up” Our goal is to manage your money through all market contingencies. That means both 1) the growth periods of the …


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Investor Insight

Wealth Creation in cyclic markets

If you are an investor who remembers the mortgage debt crisis of 2008-9, you know that the market lost significant value. From an investment standpoint, the real downside occurred precisely when some investors sold off their equity holdings due to fear mid-way or near the end of the market devaluation.


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Registered Investments

Plan your RRSP Ahead to Reduce Taxable Income

It pays to plan your RRSP contributions before the end of the year to reduce your taxes that will be due on the current taxable year. To achieve this, assess your income and calculate how you can optimise the use …


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Investor Insight

2023 FRAUD REVIEW: Be vigilant about fraud.

While a determined hacker targeting an individual will eventually be able to overcome any security precaution, most of us will never be so specifically targeted. Maintaining basic security hygiene and awareness would be enough for us to protect ourselves against …


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Estate View

7 ways life insurance protects your financial foundation

Life insurance has been called the foundation of your net worth. If you have a spouse or children, the initial stages of your financial strategy should include adequate life insurance coverage.


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Investor Insight

RRSP and TFSA REVIEW

  What are some differences between a Tax-Free Savings Account (TFSA) and the Registered Retirement Savings Plan (RRSP)? The tax benefits of the Tax-Free Savings Account (TFSA) The TFSA is a registered savings account that makes it easy for Canadian …


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Investor Insight

Cognitive Biases and Investment Decisions

Cognitive biases can impact business or investing decisions


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Financial Viewpoint

Calculating CPI at Statistics Canada

The Canadian government uses an inflation measurement called the Consumers Price Index (CPI), calculated by Statistics Canada. A simple average of prices in Canada doesn’t accurately represent how the average Canadian spends money or how that modifies their purchasing power. …


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Tax Tips Quarterly

Tax considerations using the RRSP vehicle

RRSPs alone may not be best for the wealthy The following chart indicates that you can save a small fortune over time in an RRSP. Since your focus is on retirement, much of your wealth may accumulate using this registered vehicle. …


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Investor Insight

Myths of Wealth Creation

Many are asking essentially, “will I ever be ready to retire?” When we discuss the cause and effect realities with most who have not saved much for retirement we find they generally admit these reasons:


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Estate View

Considerations when designing an Estate Plan

Estate planning is a process that allows one to determine how their assets will be distributed upon death. As we prepare to pass our lifetime assets to our heirs, there are key components of an estate plan that should be given careful consideration.


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Investor Insight

The value of sound financial advice

With people living up to 30 years beyond retirement, you may be concerned about having sufficient capital to provide income for all those years.


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Investor Insight

Cyclic Bull and Bear markets can play on investor sentiments

Two significant cycles frequently occur in the market that many investors are psychologically affected by—the Bull and the Bear market—when market values rise or fall significantly. When it comes to investing, many procrastinate. If they monitor these cycles too closely, …


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Investor Insight

How market volatility can work for the investor

Volatility is when prices of stocks and equity funds increasingly shift in value up or down.


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