Market data

Not for Profit – An Abundance of Opportunity

Tuesday, May 16, 2017

Many of us are involved in our communities with not-for-profit and charitable organizations. Passion moves us to serving and giving to organizations that make a difference in other people’s lives. Just as a financial plan makes a difference in guiding your personal financial situation, so does good governance and leadership in these not-for-profit and charitable organizations.
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The Ultimate Currency

Thursday, April 20, 2017

What is the ultimate currency? Is it money? Canadian dollars or U.S. dollars? Is it gold or real estate? No, the ultimate currency is not a tangible asset at all. "You can’t save time. You can only spend it… Benjamin Hoff, The Tao of Pooh"
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Taking the Emotion Out of Investing

Friday, March 17, 2017

As financial advisors, a big part of our job is to guide and steer investors in the right direction when it comes to portfolio management. The goal of a typical investor, and this may come as a shock to you, is to generate a consistent long-term return that is suitable to their risk profile and time horizon. However, the real shocking part is that the majority of investors do not achieve this and a big factor that plays to this underachievement is emotion.
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Income Splitting 101

Friday, February 17, 2017

If you or your partner receive qualified pension income, the federal government’s pension income-splitting provisions could mean extra money in your pocket when you file your income tax returns. In a nutshell, pension income splitting allows couples to potentially reduce their overall tax bill by shifting income from one partner (the higher income earner) to the other (the lower income earner) who is taxed at a lower rate. This is just an allocation for tax reporting purposes and the actual income does not have to be paid to the partner.
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Don’t Overlook a Guarantee of 20%... ever

Monday, January 23, 2017

When a child is a resident of Canada and receives a permanent social insurance number, they instantly qualify for Registered Education Savings Plan (RESP) benefits. For example, every dollar invested in an RESP attracts a 20% grant through the Canada Education Savings Grant Program (CESG). The annual amount added to the grant room is $500 per beneficiary, and the maximum amount of CESG that can be received in any given year is $1,000. A $2,500.00 annual deposit collects the beneficiary a $500.00 grant up to and including the year the child turns 17, to a lifetime limit of $7,200...
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Taking Stock and Making Resolutions

Thursday, December 15, 2016

As the year draws to a close… if you’re like me, you may be looking back over the year – considering what worked, what didn’t, and what you might like to do differently or focus on next year. This year, the world experienced several headline-dominating events. Markets had a rocky start over concerns about a slowdown in China; Brexit caused plenty of market volatility as well as significant political and economic uncertainty; and the US election delivered a result that surprised much of the world and left many feeling anxious as we move forward into 2017.
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How to Succeed at Retirement

Thursday, November 17, 2016

The word retirement can mean different things to different people, and can evoke wildly differing emotions. To some, retirement translates to excitement. For years, you have been working those long hours and diligently setting money aside, and now you can finally enjoy it. Your dream of leisurely enjoying your morning coffee and taking that extended vacation can finally become your reality. You’ve earned it!
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Less Time Shopping, More Time Planning

Monday, October 17, 2016

We haven’t hit Halloween yet, but I have already seen Christmas decorations at Costco. When it comes to Christmas shopping, there are those of you who start early and all but avoid the malls in December and those of us who like to get things done closer to the big day. Regardless of what type of shopper you are, having a budget ahead of time will lead to a much more enjoyable shopping experience and a much less stressful bank statement in January...
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Beneficiary Designations – benefits and considerations

Wednesday, September 21, 2016

Individuals have the option to designate beneficiaries directly on assets such as registered plans, investment and insurance products and annuities. Electing this option results in the proceeds of an asset to by-pass the estate and flow directly into the hands of a beneficiary (or beneficiaries). Naming beneficiaries is an important estate planning tool and some of the key benefits are provided below...
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The Brexit Irony

Wednesday, August 24, 2016

There was no shortage of news and opinions about the Brexit vote this past June. And while it made for good political theatre, I couldn’t help but wonder what the people on the ground really felt about it. As luck would have it, the vote happened on June 23rd, and my family and I landed in London on June 27th...
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