Ryan McArthur - Investors Group

Consultant, Investors Group Financial Services Inc.

47% of people under the age of 50 do not have a financial planner.

http://www.theglobeandmail.com/globe-investor/personal-finance/household-finances/financial-advisers-arent-just-for-the-rich-and-nearly-retired/article4607809/

If you fail to plan - you're planning to fail. It's a scary feeling going through life events by yourself, but it doesn't have to be that way. At Investors Group comprehensive plans are built for clients that are customized to meet their current needs. Having a tangible plan gives you reassurance that your goals can become reality. Throughout your lifetime, everyone can benefit from financial planning. Whether it's getting your first job, buying your first home, raising a family or just saving for retirement.

business.financialpost.com

Confronting the ‘wonderful’ problem of the too-large RRSP

Is your RRSP too big? Some might find that question funny... However, those with large amounts saved in their RRSP face a giant tax liability in the future.

business.financialpost.com Baby Boomers could be facing a big tax hit when it comes time to draw down their RRSPs. But there are ways to minimize the damage.

livemint.com

The ultimate money question we need to ask

"Life is fragile. Life is tenacious. How do you live each day knowing that it can end in a heartbeat and yet behave as if you will live forever? Insure our lives against living too short and then build our retirement pool against living too long."

https://www.livemint.com/Opinion/Ro7HP52uRqRg3tpjBqcNsO/The-ultimate-money-question-we-need-to-ask.html

livemint.com Focus so hard on the future that your today is a grim treadmill of the relentless search for more

business.financialpost.com

Five ways the federal budget may affect average Canadians

Some important highlights from today's federal budget announcement. http://business.financialpost.com/news/economy/five-ways-the-federal-budget-may-affect-average-canadians

business.financialpost.com Smoking just got more expensive, housing hopefully will get cheaper and the tax hit for cannabis

RRSP deadline is March 1st. If you'd like to know more on how you can maximize your contribution, let's talk!

business.financialpost.com

What to do when your adviser retires — just as you are heading into retirement, too

What do you look for in a financial planner? What would you do if you retire the same time as your adviser?
http://business.financialpost.com/personal-finance/retirement/just-when-you-need-retirement-help-most-your-advisor-is-retiring-too-heres-what-you-can-do

business.financialpost.com Four main points to think about when looking for a new professional

cnbc.com

Here's what Americans say they would do with an extra $10,000

What would you do if you had an extra $10,000? https://www.cnbc.com/2018/01/26/lending-tree-survey-given-10000-americans-would-pay-down-debt.html

cnbc.com It can't hurt to be prepared.

moneysense.ca

Where to get free stuff on your birthday

Shoutout to all the February birthdays - I'm one of you!

Best way to soften the blow of turning another year older? Let one of these generous retailers GIVE you a FREE present on your birthday! http://www.moneysense.ca/save/where-to-get-free-things-on-your-birthday/

moneysense.ca With a little digging, you can find dozens of retailers wanting to help you celebrate your birthday with cool freebies. Here are 20 to start you off.

[01/18/18]   What would happen to your family if you were diagnosed with cancer, stroke, or a heart attack today? Would you be able to pay your mortgage, medical bills, outstanding debts? Would you have to sell your house, or have your partner work 2 jobs? With critical illness insurance, you won't need to ask any of these questions. http://ow.ly/Rx1L30hG3QO

investmentexecutive.com

Fitness, finances top Canadians’ New Year’s resolutions - Article - investmentexecutive.com

Canadians are eager to change their financial situation for the better, with 1/3 of New Years Resolutions pledging to improve financial health. Make 2018 the year you speak to a financial advisor, let's make your goals happen. http://ow.ly/mz9l30hA3qE

investmentexecutive.com Over a quarter of Canadians plan to make a money-related resolution this year

cbc.ca

5 things to watch in Canada's housing market this year

Is buying / selling your home one of your New Years Resolutions? These factors will be a game-changer for the housing market in 2018.

http://www.cbc.ca/news/business/real-estate-trends-1.4460775

cbc.ca Real estate was a big topic in the business world in 2017, and with some major changes on the horizon, the subject is likely to dominate headlines again this year. Here are five things to watch in Canadian real estate.

business.financialpost.com

We have 750 billion reasons to have ‘the talk’ about inheritance with our children

In the next decade, there will will be a large transition of wealth. Having an estate plan gives you a peace of mind that it will be passed along as per your wishes. Minimizing tax and any unforeseen costs along the way.

business.financialpost.com Put plans into place while everyone has the wherewithal to understand the implications

business.financialpost.com

One in three Canadians already feeling the pinch on finances from rising interest rates: poll

We've been in a low interest environment for quite awhile and for millennials it is all we know. Learn how rising interest rates will impact you.

business.financialpost.com ‘It’s clear that people are nowhere near prepared for a higher rate environment,’ says president of insolvency firm MNP, which had the poll done

investorsgroup.com

More Canadians Are Retiring With Debt

Everyone has a different view of what their retirement looks like. However, a common response is "I'd like to be debt free in retirement". Why are Canadians carrying debt with them into retirement? Plan ahead and get that burden off your shoulders. Contact me if you are looking to improve your situation.

investorsgroup.com As people’s work years draw to a close, many still owe a lot of money.,As people’s work years draw to a close, many still owe a lot of money.

beta.theglobeandmail.com

Want your money to go further in retirement? Defer CPP until age 70

Here are some eye opening numbers... By 2036, 25% of the Canadian population will be 65 or over. In the 1960s, 6-7 workers were making CPP contributions for every eligible CPP recipient. By 2031, it will be 2.6 workers per 1 CPP recipient. Can you rely on government income in retirement?

beta.theglobeandmail.com By postponing your CPP pension, you are essentially transferring some of the investment and longevity risk back to the government, Vettese writes

investorsgroup.com

How to Make More Money

Tips to increase your net worth 💰

investorsgroup.com Bump up your net worth and your lifestyle with these income-increasing tips.,Bump up your net worth and your lifestyle with these income-increasing tips.

cbc.ca

Equifax hack said to affect only Canadians with U.S. dealings

Wow... Your personal information might have been hacked. Over the summer the private information of up to 143 million Americans, along with an undisclosed number of Canadians have been comprised. They say Canadians with US dealings are at the highest risk.

cbc.ca Equifax Canada's customer service agents are telling callers that only Canadians who have had dealings in the United States are likely to be affected by the massive hack announced last week.

beta.theglobeandmail.com

Canadian dollar edges higher as Canada’s bond yields climb

The Canadian dollar increases to 0.83 US dollar. I sense a shopping trip across the border in the near future 😀

beta.theglobeandmail.com Loonie at 82.35 U.S. cents

theglobeandmail.com

The secret to paying less tax in retirement

Tax planning is one of the pillars of financial planning. In retirement you will start receiving government money (CPP, OAS, GIS), pension money through work and money coming from your personal investments. This money is taxable and in order to ensure that you have a successful retirement you should seek the advise of a financial planner. Have a professional help put more money in your pocket and less in the government's.

theglobeandmail.com The goal is not to reduce taxes year by year – that can lead to expensive tax traps – but to reduce taxes over the balance of your life

theglobeandmail.com

Is critical illness insurance worth it?

Approximately 1 out of 2 Canadians will be diagnosed with cancer in their lifetime. Critical Illness Insurance is a fantastic way to protect yourself. As an additional benefit, if you stay healthy until age 65 you will also receive all your money back. Either way your benefiting from having this policy. Here is a great article illustrating the importance of having CI insurance.

theglobeandmail.com Consumers need to be aware of the complexities and limitations of this financial product, experts warn

Investors Group “Individual” - Full

What does your financial plan look like?

We’re all different. So why are they giving us all the same financial advice? Don’t settle for off-the-shelf financial advice. Get advice that’s as individua...

theglobeandmail.com

Sponsor content

People who have raised children and now are helping their parents are the sandwich generation,” says Christine Van Cauwenberghe, VP Tax and Estate Planning. Mitigate stress – and save your finances – by planning ahead:

theglobeandmail.com The Globe and Mail offers the most authoritative news in Canada, featuring national and international news

business.financialpost.com

What you need to know before you say ‘I do’ to a marriage contract

Tis' the season, are you or someone you know getting married this year? Here are a few things to take into consideration before the big day.

business.financialpost.com Laurie H. Pawlitza: The end of May heralds the beginning of a dramatic period in the family law calendar — 'marriage contract season'

investorsgroup.com

Helping Disabled Canadians Save

A Registered Disability Savings Plan (RDSP) helps parents and others save for the long-term for of a person with a disability. The federal government matches what you put in the account. For those who qualify it is a great way to capitalize on the government grants.

investorsgroup.com Thousands of Canadians have opened an RDSP since the program was introduced in 2008. Thousands more who qualify have not. Here’s what you need to know.,Thousands of Canadians have opened an RDSP since the program was introduced in 2008. Thousands more who qualify have not. Here’s what you need to kn...

investorsgroup.com

Mortgage Planning | Mortgage Advisor | Investors Group

Buying a home? Investors Group is currently offering a great promotion on their mortgage rates!

investorsgroup.com An Investors Group Mortgage is one of the most affordable mortgages. Speak with a financial advisor to understand the mortgage process & discover your options.

youtube.com

Investors Group “Unique” - Full

We’re all different. So why are they giving us all the same financial advice? Get advice as unique as you.

youtube.com We’re all different. So why are they giving us all the same financial advice? Don’t settle for off-the-shelf financial advice. Get advice as unique as you ar...

investorsgroup.com

Drop Your Debt Or Put Money in the Market?

Should you build your wealth or eliminate your debt? Why not both... Have a strategy that is customized to meet all of your goals.

investorsgroup.com With today’s low rates, the pay down debt or invest debate isn’t as clear cut as it used to be.

business.financialpost.com

'Best gift government has given us': The long-term power of the TFSA has yet to be fully tapped

Completely agree, the government has limited the use of TFSA thus far. It's potential has yet to be unlocked!

business.financialpost.com The TFSA is new enough that Canadians tend to think of it just as a savings, and not investing, vehicle. That's a mistake. Here's what else you could be doing with it

business.financialpost.com

Five reasons experts say Toronto home prices are going through the roof

Why is the housing market skyrocketing in Toronto? These experts give their insight to the cause.

business.financialpost.com It’s a mystery that is stumping politicians and policy makers alike, but here are five factors that could be causing the market to defy gravity

investopedia.com

7 Steps To Selling Your Small Business

Are you or someone you know selling their business? Here are just a few points to take into consideration. Hiring a financial planner would help ease making these financial decisions.

investopedia.com Money in the bank and newfound free time make this grueling process worth the trouble.

business.financialpost.com

Holding off on CPP until they are 70 would make huge difference to this couple’s retirement income

Delaying your CPP payments will have a large impact to your retirement plan. At what point does it benefit you the most?

business.financialpost.com If Harry and Mary defer the start of OAS, they would get a 7.2 per cent a year boost or 36 per cent in total increase each year to 70

theglobeandmail.com

Is your bank trying to upsell you? Here's what you should – and shouldn’t – buy

Is your debt increasing? Here are products that you should avoid and/or get rid of. You'll start to see an increase in your cash flow and dedicate those funds to your financial goals.

theglobeandmail.com A customer’s best defence against upselling is to know which sales pitches are worth listening to, and which to shut down

investorsgroup.com

How Much House Can You Buy? | Investors Group More

Can you guess how much the average house is going for across Canada?

investorsgroup.com Here’s what $470,661, the average home price today, can get you across the country.

investorsgroup.com

Stay Safe Online | Investors Group More

Protect your online identity.

investorsgroup.com Avoid digital fraud by knowing the facts.

fromyouradvisor.ca

RESP advice for Mindy Lahiri | FromYourAdvisor.ca

Mindy Lahiri is a gynecologist from New York. She gives birth to her son, Leo, but splits up with her fiancé and colleague Danny after it’s clear they’re incompatible parents. How can this single mother plan for herself and her son?

fromyouradvisor.ca How to secure her son Leo's future.

business.financialpost.com

EU parliament votes in favour of landmark trade deal with Canada

Trump's criticism of globalization has pushed the European Parliament to make a free-trade deal with Canada. Before this agreement the EU was Canada’s No. 2 trade partner after the U.S., and Canada was the EU’s 12th-biggest.

business.financialpost.com Ratification by the European Union parliament now paves the way for 90 per cent of the agreement to come into force once the Canadian Parliament follows suit in the coming months

investorsgroup.com

So Long, Social Media | Investors Group More

How long could you be disconnected from social media before going through withdrawals??

investorsgroup.com There’s a movement afoot, called the Joy of Missing Out, where people put down their cell phones and enjoy the world around them. We explain.

investorsgroup.com

Meet LIRA, the Lesser-Known Retirement Savings Plan | Investors Group More

We're all familiar with the RRSP, but it’s not the only retirement account out there. Many Canadians have what’s called a Locked-In Retirement Account (LIRA).

investorsgroup.com There’s more to Canadian savings accounts than the RRSP and the TFSA.

theglobeandmail.com

New fee disclosure rules won't show all of the costs investors pay

When you open up your financial statements in 2017 the cost of investing will now be included. However, this is only part of the fees that are associated with investing. A portion of fees also come from fund managers which are not disclosed. Do you know how much you are paying to invest?

theglobeandmail.com In January 2017 investors will have their first look at the fees paid to advisers and investment firms. In this video, Preet Banerjee looks at what will and will not be included.

investorsgroup.com

Choose Wisely: Picking an Executor and a Power of Attorney | Investors Group More

Read our new article, which highlights topics like:
• Choose an executor wisely
• Be a good power of attorney

investorsgroup.com You want to make sure the right people are looking after your finances when you can’t do it yourself.

fromyouradvisor.ca

Financial advice for The Bachelor | FromYourAdvisor.ca

What advice would you give Nick?

fromyouradvisor.ca Nick Viall is going all in.

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Sean O'Donnell                           Mortgage Planner Sean O'Donnell Mortgage Planner
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