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Are Your Children Ready to Inherit Your Wealth?

Mother and daughter sitting on the bed talking.

One of the most common financial objectives is to leave money to children, but it is not always a successful endeavour. According to some projections, 70 percent of inherited money evaporates before reaching the third generation, with average losses climbing to a staggering 90 percent by the fourth.

Benefits of Separately Managed Accounts

Benefits of Separately Managed Accounts

Separately Managed Accounts (SMAs) are not new. In fact, they have long been used by corporations, trusts, endowments, pension plans and high net worth investors. These investors demand a level of attention to their requirements that simply cannot be met by mass-market retail investment products. These investors require a focus and direct relationship with the professionals who are managing their investment portfolio.

How Do I Know If My Investments Are Performing Well?

Retired couple walking through the park.

Investments can fall into categories that can be benchmarked. For example, if you own several Canadian companies they can be benchmarked against an index like the S&P TSX. The same can be done with U.S. companies or international companies or bonds. If your investments are up 4% and the index is up 7%, then you are underperforming and receiving no value for the money you’re paying. On the other hand, if your investments are down 4% and the comparable index is down 7%, then you’re receiving value - as you outperformed the index.

Human Advisor Versus Robo Advisor

Woman on laptop.

It's the rise of the machines. When you walk down the street, everybody is looking at some sort of device, staying connected. You want to have everything right now, right here. We want to get answers immediately, just by clicking the mouse or asking Google. Robo Advisors, which have made headlines in recent years, are online investment management sites that manage your investments for you through unique algorithms. So let’s pit humans: Investment Advisors and Robots head to head to see who you benefit more from when it comes to managing your investments.

I Am Retired – Now What?

I Am Retired – Now What?

You might think this will never happen to you but our experience working with people that transition from a working career to retirement suggests this happens more often than not. You talk about retirement for a long time. You go from the stage in life where you’ve planned everything out and been in total control to what does the future hold. It doesn’t matter how much time and energy you’ve put into this phase of your life. It’s perfectly normal to be confused, excited and a bit overwhelmed all at the same time. After all you are entering a phase where you have zero experience.

Importance of Estate Planning

Importance of Estate Planning

An Estate is the property that a person owns or has a legal interest in. The term is often used to describe the assets and liabilities left by a person after death. Estate Planning involves the transfer of someone's assets (e.g. property, money) when they die, as well as a variety of other personal matters.

It is that time of the year again - Taxes

It is that time of the year again - Taxes

It is that time of the year again, you are getting ready and gathering information to file your income tax returns.  If you are a procrastinator, or not particularly organized, this time can be very stressful. Whether you prepare your returns by yourself or have them prepared professionally, you will still need to gather all the necessary information in order to proceed.

Mistakes You Want to Avoid in Retirement

Mistakes You Want to Avoid in Retirement

Failing to adjust your expenses to reflect your new reality can wreak havoc on your retirement. After many years of working it can be hard to adjust expenses to your new income. This might involve things like less dining out, reducing the amount of vehicles you own, downsizing the home you live in as well as many other possible changes. More than ever you will benefit with a new realistic budget to keep you on track. A Financial Advisor specializing in retirement income planning is best suited to assist you with this.

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