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September Newsletter

Personal Wealth and Finance


Registered Investments

Tax Difference of RRSPs and TFSAs

What are some of the differences between a Tax-Free Savings Account (TFSA) and the Registered Retirement Savings Plan (RRSP)?

Financial Planning

Financial Planning and Your Net Worth

Here is why preparing your net worth statement is smart.

Investor Insight

Implementing an investment plan

An investment plan will include tactical implementation and ongoing monitoring.

More Recent Articles


Wealth Viewpoint Quarterly

Many worry about impending retirement

Anxiety over inadequate retirement funds is a stress needling many who are approaching the period of not working — meaning retiring and reliant upon saved monies to supply a monthly cash flow. It’s not checking off the bucket list that …

Life Insurance

Family Capital Legacy: Strategies to consider

You may want to include multi-generational strategies to include estate plans and long-term provisional care with your senior family members who may depend on tax planning ahead of time. Family Capital-Transfer Strategy Seniors may be able to transfer capital to …

Life Insurance

Two income solutions if you are disabled

The individual should include some form of disability coverage to replace his or her income.

Life View

Good financial plans use life insurance

In the event of the death of the insured, life insurance is designed to create capital. It provides a precautionary measure in a financial plan to stabilize the financial security of loved ones reliant on your income or your capital provision. If you have a spouse or children, make sure you have adequate life insurance coverage.

Life View

When Permanent Insurance makes sense

As the children get older and move out on their own, and your mortgage and other debts are nearly paid off, the need for life insurance capital designed to replace income for dependents decreases.

Wealth Viewpoint Quarterly

Why widows need a financial plan

The widow population over the age of 65 is one of the fastest growing demographics facing poverty! Senior widows outnumber widowers four to one and represent about 45% of all women aged 65 and over.

Financial Viewpoint

Getting a Grip on your CPP: Review 2017-2018

The Canada Pension Plan (CPP) provides contributors and their families with partial replacement of earnings in the case of retirement, disability or death. Almost all individuals who work in Canada outside Quebec contribute to the CPP. Calculating your CPP while …

Wealth Viewpoint Quarterly

We have life insurance solutions for your business

Financial products and services address specific needs in your financial plan and help you build a successful business. As an advisor, I have access to a broad range of insurance, investment, employee disability, and group benefits to help meet your …

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Mutual funds provided through FundEX Investments Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual Funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

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