Grant and Sarah are planning on retiring within the next two years. Paul and Linda, already retired, are thinking about making a move. Whether you are about to retire or are already retired and considering a change, you should consider:       *Fictional characters for illustrative purposes only.     Questions about your retirement […]

Over the next several years, governments in advanced countries will likely continue to struggle with mounting debt burdens and the associated rising costs of servicing that debt. It is also noteworthy to remember that total government debt continues to increase every year because of deficit spending.   So how does the Law of Large Numbers […]

Clients often call when markets are looking a bit shaky, or newspaper articles are predicting the next market correction, recession, bubble, etc.   The challenge with reacting to such events or news is that the external circumstances rarely have anything to do with your specific situation and plan. Your mission, should you choose to embrace […]

Despite what many people think, the number one financial dream killer isn’t portfolio losses, or financial emergencies, or unemployment, and not even natural disasters. The number one reason people fail to reach their financial goals is procrastination – putting off the inevitable until the cost of your dreams or goals become prohibitively expensive.   Why […]

Like many business owners, Rick and Warren thought it would be a simple process to continue the business when one of them died.   Nothing could be further from the truth.   Rick and Warren had a printing company and were equal partners. Warren died suddenly. Warren’s shares passed to his widow, Sarah, who became […]

A major Canadian financial institution ran an investment promotion earlier this year that promised attractive returns for GIC-type investors, who needed higher returns to generate income. While dealing with an advisor from this particular institution on another matter, the conversation turned to the details of their offer.   The highlighted promotion offered a much higher […]