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Personal Wealth and Finance




Estate View

Eliminating Debt in an Estate Plan

Copyright of AdviceOnMedia® Life insurance designed to pay the debt Many owe thousands of dollars on their credit cards. Others who are highly successful entrepreneurs may be millionaires who want to transfer a business to the next generation or sell it …


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Mortgages

Why use a Mortgage Broker

As a dedicated mortgage professional, I have access to numerous lending institutions offering unique mortgage products. First-time homebuyers or those either with a mortgage for renewal or looking to refinance, give us a call. You needn't look any farther as we offer great options as a one-stop broker.


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Life Insurance

Understanding Life Insurance Planning 

Life insurance plans offer tax-free death benefits, which protect against lost income if one partner who is a wage earner were to die. It can also be used to pay off a mortgage, credit card or Home Equity Line of Credit (HELOC) debt. 


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Registered Investments

Educational Planning

The Registered Education Savings Plan (RESP) 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. …


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More Recent Articles




Registered Investments

Retirement Investments

Now is a good time to assess what you want to invest in your Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA) or both. RRSP Contribution Limits 18% of the income you earned the previous year, up to …


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Estate View

The Problem of Estate Capital Gains Tax

You and your heirs may think that all of your assets will pass over to them tax free. Let's examine how estate taxation can erode the value of one's property and cause business succession problems


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Registered Investments

RRSP and TFSA Differences

The Registered Retirement Savings Plan (RRSP) and the Tax-Free Savings Plan (TFSA) offer two different tax advantages to allow your money to grow. Let’s compare to see which or if both are preferred for you.


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Financial Viewpoint

Understanding Market Psychology and Investor Reaction 

Updated February 1, 2020, Copyright AdviceOnMedia® There is long-standing investor wisdom that has proven over and over again, that: “what goes down must come back up” Our goal is to manage your money through all market contingencies. That means both …


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Investor Insight

Cognitive Biases and Investment Decisions

Cognitive errors in the way people process and analyze information can lead them to make irrational decisions which can negatively impact business or investing decisions.1 Anchoring Bias Some investors anchor their investment decisions by fixating on a targeted result. Calculations …


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Life View

How can Life Insurance protect my family?

Life insurance has provided families with basic financial security for well over 100 years.


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Investor Insight

The Bias of Investment News

Traditional economic indicators are often poor predictors of a stock market trend. One of those indicators is the news. It can increase emotional reactions among investors but it will not predict stock market trends. here is an example of financial news that you may be exposed to in a week:


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Financial Viewpoint

The Patterns of Economic Recovery

The global economies still face the high rising costs incurred by the pandemic affecting us all. Economists, financial analysts, fund managers and CEOs of various reputable financial institutions continue to reassess their viewpoint on the recovery of the world’s financial markets.


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Financial Viewpoint

Scammer-thieves on the rise

We live in a busy world with the increasing stress of Covid-19. overwork, concerns for our children’s fiscal and career futures, ageing parents, and our retirement, ageing and health concerns. Others are dealing with grief over the death of a …


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Business

12 roadblocks to a great succession plan

Various circumstances can make succession planning either difficult or impossible.  The right successor quits A son or daughter may decide to leave the firm after having worked in the family business for years without a commitment to a concrete succession plan. …


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Estate View

Focus on the essentials of your estate plan

What is estate planning? The nature and extent of an owner’s rights concerning land, property, and financial assets and life insurance benefits can be given over to heirs using documents referred to as the Last Will and Testament, drawn up by …


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Investor Insight

Bear Market Duration

Bull markets are periods of rising capital valuations that generally create increased wealth for investors in the equity markets. Bear markets work to conversely decrease gains in equity investments for a limited but unknown period of time.


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Business

A Business Owner’s Insurance Checklist

Managing risk is a survival strategy businesses can’t ignore. Start-up firms and smaller companies are especially vulnerable to risk because they often lack big company sophistication and in-house risk-control expertise.


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Estate View

5 tips for choosing an executor for your estate

Common sense easily persuades us that every adult needs an up-to-date will. Without a will, provincial laws outline how an estate is to be settled, which may not reflect your wishes.


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