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.

Bear Market Truths

By now we may have experienced an “official” bear market which is defined as a temporary correction in the equity markets of 20% or more.  As always, at this point in the market cycle, with fear in the air…there’s lots to debate and little to resolve. There are,...

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The Green Rush

Some investors may view others moving towards a new investment idea as a “rush” and a great chance to cash in on a hot new industry.  The classic investor emotion of “fear of missing out” has yet again taken control of those looking to invest in the soon-to-be...

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“Obvious” Investment Truths (explained)

The more we watch the media the more important it is to remind ourselves of what constitutes proven investment truths.  We would like to give credit to an article by Ben Carlson at www.wealthofcommomsense.com for putting together 36 investment truths that serve as a...

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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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When is a 5% return better than a 7% return?

In the quest to grow wealth, many people believe they have to seek out the highest possible return for a given level of risk. However, our experience has taught us that most investors often overlook their real objective… which is to generate the most money after tax....

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DO ETF’s HAVE A PLACE IN YOUR PORTFOLIO?

ETF’s or Exchange Traded Funds have grown significantly over the past decade to the point where they are now a mainstream product. We are often answering questions about ETF’s so we thought we would provide an update here: First: What is an ETF? In general, most ETFs...

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So, would you like to save some tax?

We have found that many accountants and most people are unaware of the significant advantages available to non RRSP investors when investing via Corporate Class Funds. Tax time is a perfect time of year to review the tax you are paying and look for ways to pay less....

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7 Financial Rules You Should Never Forget

Don't try to predict the future. A little more than a decade ago: Greece was strong. Russia was bankrupt. Oil cost $13 a barrel. AOL dominated the Internet. Smart economists thought the government would pay off the national debt by 2009. Apple (Nasdaq: AAPL ) was a...

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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

War, Geopolitics, and the Economy

Like most of you across the country, we’ve been following the humanitarian crisis in Ukraine and our thoughts remain with all the families affected by these seemingly unconscionable actions. Events...

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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