Market data

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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Is Your Daughter or Son off to University/College this Fall?

Monday, July 18, 2016

September will soon be upon us and with ‘back to school’, your daughter or son may be entering their first year of university/college. Often, this transition is full of angst for both young adults and parents alike particularly if the student will attend an out-of-town university. The move includes living in a dorm, making new friends, adjusting to their new studies and most importantly— it may be their first experience of living away from home.
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Canada Child Benefit – How will it affect my family?

Tuesday, June 14, 2016

There were many changes in this year’s Federal Budget and Canadians families should pay attention specifically to the new Canada Child Benefit (CCB). Starting July 2016, this will replace both the former Universal Child Care Benefit (UCCB) and the Canada Child Tax Benefit (CCTB).
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Current Life Expectancy Numbers

Wednesday, May 25, 2016

In Canada, as in many countries around the world, our life expectancy continues to increase. In B.C., these rates are the highest of all the province— just slightly higher than the Canadian average. Today, life expectancy at birth in B.C. is....
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Protecting Your Greatest Asset

Tuesday, April 19, 2016

Most of us want to protect the things that we have worked so hard to acquire. We make sure that we have home insurance to protect our homes and car insurance to protect our cars. Every time we purchase an electronic item, we are asked if we want to buy insurance on it, or extend the warranty, in case it breaks. We may also research and secure life insurance to ensure that our loved ones will be financially secure in the unfortunate case of our passing.
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