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Insights

Stay informed and on top of your finances with valuable insights, financial news and helpful tips that will bring a fresh inspiration towards growing your wealth.

“Those who understand it, earn it..”

With the NHL playoffs beginning a few weeks ago, no doubt many of you witnessed the continued obsession self-directed platforms put on “Retiring 30% Wealthier”. If you have seen these ads, it would suggest you would do well with them. The constant undermining of...

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When Should You Turn Your RRSP into a RIF?

As Canadians plan for retirement, one looming decision is when to convert their Registered Retirement Savings Plan (RRSP) to a Registered Retirement Income Fund (RRIF).  While the deadline to convert to a RRIF is Dec 31st in the year you turn 71, retirees...

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Federal Budget 2024 – Impact to Investors

Last week the Canadian government presented their 2024 Federal Budget, which contained several items that may be of interest to Canadians.  From a financial standpoint, at first glance the main concern with this budget is that it lacks clear priorities and fails to...

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“How much do we need to retire at 65?”

With so many sources contributing to a households’ retirement income in Canada, many pre-retirees have a hard time wrapping their head around how far their savings can take them in retirement. When we are preparing retirement projections, as you may imagine the #1...

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The Millionaire’s Mind(set)

There’s an old book we’ve had in our office for over 20 years titled The Millionaire Next Door, which was published in 1996 by Dr. Tom Stanley and his colleague Bill Danko.  Every time we open it up again, right off the bat you see “Wealth is what you accumulate,...

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Steps to Lower Your Income Taxes 

Over the next few months everyone will be gearing up for income tax season. In the year ahead, set yourself up for a more favourable income tax situation in 2023 & 2024. Consider; Maximizing Registered Retirement Plan (RRSP) Contributions: One of the only ways you...

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2024 TFSA Limit and Insights

The new Tax-Free Savings Account (TFSA) contribution limit for 2024 was released last month, and it is $7,000, bringing the TFSA dollar limit from $88,000 to $95,000 (assuming you were 18 in 2009).  The TFSA is an amazing account for Canadians, but for many new...

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Unsuitable selling of Universal Life Insurance Policies

As financial planners who put our clients first, we’re happy to see the industry begin to dig deeper into unsuitable sales of various life insurance products. The Financial Services Regulatory Authority of Ontario (FSRA), who is the regulatory body for life and health...

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“Comparison is the Thief of Joy”

As you (hopefully) find time for relaxation in the last few weeks of summer, we wanted to leave you with some food for thought and a timeless reminder of successful long-term investing:  Reviewing a portfolio too often isn’t good for you OR your portfolio...

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Equities & Expectations

We spend a lot of time speaking about managing emotions and investor behaviour. Setting expectations is a big part of that. Now, why would setting realistic expectations be so important to our client’s long-term experience?

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It is our strong belief that to be successful in reaching your goals it is necessary to have a plan in place and to follow a process. That is, to make your life and financial decisions not by accident but by design.

Remember, successful people ACT towards the future they want!

Recent Posts

“Those who understand it, earn it..”

With the NHL playoffs beginning a few weeks ago, no doubt many of you witnessed the continued obsession self-directed platforms put on “Retiring 30% Wealthier”. If you have seen these ads, it would...

read more

Our Clients

Their honesty and customer service is right up there, with the knowledge and recommendations on where investments should be made. When it’s time for a change Tim is always honest with us on where any changes should be made.

Janet McDonald

To me, it is their personalized service. When something happens, you can go in and discuss your options. The whole team knows your plans, listens to your needs, and can help you make adjustments.

Richard Dumoulin

They are very courteous, friendly and find them very professional. They are good at taking care of time sensitive matters and you get a general sense of being taken care of.

Ginny Blair

The fact they take time to discuss with you their knowledge base, they give you all the options then give you their opinion and let YOU make the final decision.

Elisabeth 

Their integrity and 1-on-1 communication skills, always personable. Tim and his team make you feel comfortable no matter how much you are investing.

James