Consultant, Investors Group Financial Services Inc.
47% of people under the age of 50 do not have a financial planner.
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.
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.
"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."
livemint.com Focus so hard on the future that your today is a grim treadmill of the relentless search for more
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!
What do you look for in a financial planner? What would you do if you retire the same time as your adviser?
business.financialpost.com Four main points to think about when looking for a new professional
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.
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
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
Is buying / selling your home one of your New Years Resolutions? These factors will be a game-changer for the housing market in 2018.
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.
2018 is peaking it's head around the corner. Here are the important numbers you need to know going into the New Year!
advisor.ca You have a lot to remember as an advisor, so we've assembled this handy list of tax numbers
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
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
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.
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
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.
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.
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
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
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
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...
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
It is hard to believe that the Canadian dollar was once at par with the US. Going forward, it'll be interesting to note how our spendings and savings will be impacted.
business.financialpost.com Jason Heath: Investors who have owned foreign investments have benefitted handsomely in recent years due to both performance and currency
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'
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...
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.
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...
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.
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
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
Talking about your personal finances can be a sensitive topic. It is important to find a professional you trust to provide you with the proper advice. This article outlines how silence can be detrimental to your financial future.
investorsgroup.com Finances can be tough to talk about, but keeping your money issues a secret can be bad for your health.
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.
It’s important for millenials to develop good savings habits as early on as possible. Secure your financial future and plan ahead.
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
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
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.
82% of Canadian millennials expect to buy homes soon. With the consistent rise of the housing market and the foreign influence are we going to start seeing houses that hold 3 generations of family members?
advisor.ca Home sales hit their highest level since April 2016, gaining 5.2% in February compared to January, reveals statistics from the Canadian Real Estate Association. Read: The solution to Canada’s housing crisis The national average price for a home sold in February was $519,521, up 3.5% from a year ago....
Unfortunately this is commonly known among the banks. I'm not one to bash competitors so I'll let this article speak for itself. If you are at all concerned and want to improve your finances I urge you to reach out.
cbc.ca Employees from all five of Canada’s big banks have flooded Go Public with stories of incredible pressure to meet sales targets — at any cost.
Protect your online identity.
investorsgroup.com Avoid digital fraud by knowing the facts.
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.
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
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.
Reduce your debt by up to 80% and get your life back. We help you eliminate your debt, rebuild your credit and get you back on track.
Financial Service Advisor offering Life, Health, Group Insurance & Investments. Mutual Fund Representative
Individual and No-Medical Life Insurance, no blood pressure reading, diabetic, no lifestyle questions, final expenses, new to Canada, coverage in 24 hours.
I am a Financial Planner with the Royal Bank of Canada and Royal Mutual Funds Inc.
Helping individuals, families and professionals, create, preserve and transfer wealth.
Let us open the doors to your next home or investment property!
Providing my clients with exceptional service, and access to a comprehensive network of distinguished financial professionals
For decades we have helped clients achieve financial prosperity by providing exceptional financial planning. Mutual funds provided through FundEX Inc.
With proper planning, you can become financially independent so that you can enjoy the lifestyle you've always dreamed about. Start planning now!
As a Financial Advisor, it is my role to work with you to meet your insurance and investment needs and goals. "Protect Your Wealth"
Knights of Columbus - Bouvier Agency. Life Insurance, RRSP/RRIF/TFSA, Long Term Care, Disability Insurance.