The new CPP: Take it now or leave it for later?

Before you can decide what’s the best choice for you (and your spouse or partner, if you have one), you need to assess what the CPP changes really mean in terms of the CPP benefit you can receive. Keep in mind that changes are being phased in – all changes will be fully effective by 2016 at the latest. What …

Leaving a Legacy through your Charitable Giving

Most of us don’t need science to tell us that giving makes you feel great, but new research has proven when individuals give money to charities, they get a boost in happiness. On the other hand, the same research shows those who spend on themselves get no such cheery lift. But there is much more to charitable giving then a …

Our Approach to Wealth Building

What are your goals? What does success mean to you? Where do you want to be in 10 years?  20 years? 30 years? What do you want to do in retirement?  Most likely you can answer these questions easily, but at the same time your answers are probably fairly personal and differ from others around you. The good news is that’s …

5 Things You Need to Know About Your TFSA

If you don’t know what TFSA stands for or you don’t have one set-up than you definitely need to keep reading. In 2009 the government created a great investment option for Canadians through the creation of Tax Free Savings Accounts. TFSA’s are a simple and incredibly beneficial option, but somehow many Canadians still know very little about this opportunity and …

Big Bang for Business Owners

Owning a business takes guts, tenacity and vision. It’s not something for everybody but for those of us who have the passion and drive for it have realized there are great benefits that off-set the challenges. As a business owner myself, I understand the unique situations you face everyday and I also know your money requires its own unique tools, …

The Family Business

Business owners spend great amounts of time and energy building their companies, and it is only natural to want to see their children follow in their footsteps and take over the company. However, many family business owners struggle with how to integrate their children into the business. It becomes even more challenging when you consider a business that employs non-family …

The Wealthier You Are the Longer You’ll Live

The Wall Street Journal recently published the findings of economist Barry Bosworth at the Brookings Institution which found that the richer you are, the longer you’ll live. And it’s a gap that is widening, particularly among women. The Story for Women The story found in the data regarding women is that they are living longer than men at every income level …

Canadians Find Saving Difficult Due to Debt

Everyone knows they need to save but 60% of Canadians say their current debt level doesn’t allow them to save as much as they’d like. In fact, a recent poll has shown that 31% of Canadians are unable to save at all because of their debt load. In fact, half of Canadians are unable to put money into a savings …

Is Conservative Investing Right For You?

Rules for investing often fluctuate and change but there is one that has stood the test of time: the older a client gets the more conservative they become. It’s easy to understand why this happens, retirees need their savings to last and they’re not willing to risk losing their money. At the same time, this is one rule that can …