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Personal Wealth and Finance

Financial Viewpoint

The Joy of Cash Flow Planning for Wealth

The household debt ratio rose in the second quarter of 2018. Canadians owed $1.69 in credit market debt per dollar of household disposable income.1 Demand for consumer credit increased while mortgage or non-mortgage loans decreased due to interest rate hikes. …


Financial Viewpoint

Wealth Creation for Millennials

Millennials have time to activate a solid financial plan guided by a credentialed financial planner. They can reduce their student loans, begin to use credit cards wisely, and listen to educated financial mentors who hold the key to financial wisdom.


Registered Investments

It’s RRSP Top Up Time

It is that time of year when you weigh your tax bill against the contributions to an RRSP which can be deducted from your taxable income. This allows you to pay less tax on the money you make, hence leaving more money to invest for retirement.


More Recent Articles

Financial Viewpoint

Planning your CPP: Review 2018-2019

The Canada Pension Plan (CPP) provides contributors and their families with partial replacement of earnings in the case of retirement, disability or death. Almost all individuals who work in Canada outside Quebec contribute to the CPP. Calculating your CPP while …


Tax Tips Quarterly

Planning Together – Spousal RRSPs and Tax

A spousal RRSP account in your name belongs to you. By contributing to your account, a tax deduction can be claimed by the contributor minimising income tax payable currently.


Registered Investments

The Registered Education Savings Plan (RESP) for Educational Planning

Facts about an RESP A Registered Education Savings Plan (RESP) is a savings plan registered with the government that can help you save for your child’s post-secondary education. Money invested in an RESP grows tax-deferred. The government helps contribute to …



7 ways to remap your mortgage finances

It is important to plan ahead regarding your mortgage. A mortgage specialist can help you review your needs looking at developing your most advantageous financial strategies.


Investor Insight

Education’s effect on future income

In Canada, the government allows a welcome tax break when you save for your child's education. As parents, we need to consider the effect that education will have on the future income and lifestyle of our children.



Snapshot of Buyer and Seller Real Estate Markets

Just as the stock market is cyclic, so is the housing market. When buying or selling a home, try to ascertain what kind of market you will enter.


Tax Tips Quarterly

Plan your RRSP Ahead to Reduce Taxable Income

Every year we publish legislative and current updates to the Registered Retirement Savings Plan (RRSP) and Pooled Registered Pension Plan (PRPP) and Specified Pension Plan (SPP).


Wealth Viewpoint Quarterly

Many worry about impending retirement

Anxiety over inadequate retirement funds is a stress needling many who are approaching the period of not working — meaning retiring and reliant upon saved monies to supply a monthly cash flow. It’s not checking off the bucket list that …


Life Insurance

Family Capital Legacy: Strategies to consider

You may want to include multi-generational strategies to include estate plans and long-term provisional care with your senior family members who may depend on tax planning ahead of time. Family Capital-Transfer Strategy Seniors may be able to transfer capital to …


Life Insurance

Two income solutions if you are disabled

The individual should include some form of disability coverage to replace his or her income.


Life View

Good financial plans use life insurance

In the event of the death of the insured, life insurance is designed to create capital. It provides a precautionary measure in a financial plan to stabilize the financial security of loved ones reliant on your income or your capital provision. If you have a spouse or children, make sure you have adequate life insurance coverage.



New Mortgage rules January 1, 2018

New rules take effect January 1, 2018: Check how this might affect your mortgage loan if you've applied before January 1, 2018. Talk to me to find out about these new rules and your own mortgage situation.


Wealth Viewpoint Quarterly

Why widows need a financial plan

The widow population over the age of 65 is one of the fastest growing demographics facing poverty! Senior widows outnumber widowers four to one and represent about 45% of all women aged 65 and over.



Understanding Variable Mortgages and Interest Rate Increases

Many people cannot stand the risk of not knowing if their mortgage rate is going to climb higher due to rising interest rates.


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