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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 Being Self-Employed

Mother working from home who is self employed.

There is no question that being self-employed is not easy. There are many hardships that business owners have to overcome to be successful.  But there are many benefits that make this journey worth it. There is no denying that not everyone has what it takes to grow a successful business. But if you feel that you have a great idea, are persistent, determined and resourceful, then being self-employed offers a potential lifestyle you’ll never realize you can have. 

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.

Couples Planning to Retire May Face Challenges

Couple discussing their retirement with a financial expert.

When it comes to retirement planning, several assumptions must be used. For example, at what age does retirement start and at what age does it end, where will people live, etc. The fact is that planning retirement for a single person is much easier than for a couple.

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.

How to Set Yourself up for Success in 2023

Family shaking hands with financial advisor for success in 2023

It is a new year, a new beginning, so start the year fresh. Put last year behind you and make plans that focus only on your new goals. Do not sabotage your plan by looking backward. If you do, you probably will not achieve your desired results. This is where recency bias comes in. The past is the past – leave it there.

How Well Do You Understand a TFSA?

Financial advisor and client reviewing documents.

It seems like every time we open our internet browser, we see articles about TFSAs. Should you put money in your RRSP or TFSA? RRSP versus TFSA. TFSA traps to avoid. Why TFSA is the best option for saving. How to use your TFSA, etc.

The more we talk to investors, the more we are realizing that a general knowledge of this type of account is very limited.

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.

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