Independent Thinking
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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.

One Year Later

On March 20th 2020, the S&P500 index (a main stock market reference to judge the US economy) was down 34% from its previous high reached that February. During that span, we witnessed one of the most volatile stretches in stock market history.  The pandemic...

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“Retire up to 30% Wealthier?”

With the Super Bowl “kicking” off this past weekend, 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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Top questions to ask a financial advisor

With many hundreds of billions of dollars circling the globe every day, financial markets are becoming increasingly complex. Given this, it only makes sense that your investments should be fully researched and followed on an ongoing basis by someone with the expertise...

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Why doing nothing is so hard to do

Remember: Patience is a virtue Although the best investors understand the importance of patience, it is one of the most difficult skills to learn as an investor and portfolio manager. You’ll often hear the expression “patience pays off”, but what does that actually...

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Focus On What You Can Control

We’re entering our second month of the COVID-19 pandemic and it continues to have a lasting impact on all parts of life. New daily routines have been established, as we all do our part to flatten the curve. Instead of panicking, it’s better to step back and focus on...

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The Big Six Banks Will Fleece You—If You Let Them

An article with this title was published in the March 20th Edition of the Globe and Mail. The reporter, Rob Carrick wrote about how the Financial Consumer Agency of Canada outlined in a report issued in mid-March that the Big Six banks are sharply focused on selling...

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Bank Employees Under Pressure: Sales vs. Service?

Do sales goals get in the way of a financial institution’s promise to put clients’ interests first?  Can banks and credit unions align their priorities and interest with that of the consumers? Twisted Priorities The banking industry has been shaken up in recent months...

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Letting Go of the Why

Watching the constant flow of positive and negative news unfold over the last 20 years has made a number of things very clear to us. First of all, no one really knows what’s going on in the markets in the short term. I remember listening to a very well-respected...

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Why Does Buy and Hold Have to be Impossible?

Dr. Andrew Lo, a finance professor at MIT, recently shared his thoughts on a long-term, buy and hold strategy in an interview on MarketWatch: “Buy and Hold might sound like good advice because on paper when you take a look at the S&P over the last 10, 20 or 30...

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The Professional Advantage

Getting what you pay for….. Every now and again, someone asks us to explain the benefits of dealing with a financial professional. This issue has been in the news lately, so we thought it might help to go over a few of our answers. We admit some may consider our...

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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

Do I need Life Insurance?

One discussion we seem to run into over and over again is the need for life insurance. It seems like a pretty simple question, but many Canadians fail to address the need for life insurance until it...

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Federal Budget 2021 update

Monday afternoon the Federal government released its 2021 Federal Budget: A recovery plan for Jobs, Growth and Resilience – outlining its policies to continue the fight against COVID-19 and to...

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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