Over the years, we have helped clients overcome many different challenges. This article focuses on the challenges of looking after our parents as they age. This is a complex responsibility as it involves emotional and financial management. Handling these effectively requires different skills. Below are a few points to assist with the financial challenges. Our […]
Your will is essentially a document that outlines what you want done with your assets after you pass away. The term asset is very broad and can include everything from personal and household effects (“articles”) up to your principal residence. The general structure of a Will typically starts with leaving specific bequests. This can be […]
One of the first roles of an executor of a will is to gather and secure their client’s assets. This process includes ensuring the principle residence is locked and all known assets are secured. The executor has a fiduciary responsibility to do this for the benefit of all beneficiaries. One of the challenges an executor […]
At every stage of our client’s lives, we feel they should have an up to date will. Unforeseen events can happen and planning is essential to ensure your assets and estate are distributed according to your wishes. The term “estate” can be used different ways. For purposes of this article, we will refer to any […]
Ever since the stock market was first introduced, investors have been concerned about declining markets. It’s only natural. In fact, there hasn’t been a single year since the Great Depression during which world events have not impacted investor sentiment. When the dust has cleared, however, financial markets have always found a way to survive some […]
We begin every meeting with our clients by reviewing a summary sheet of key macro items we believe are important for the client to either understand or communicate to us. We provide new clients with a financial checklist to take home, fill out and return to us either by email, mail or at our next […]
Fixed income is often used to describe a category of investments that provide investors with income that one purchases to receive income. Some examples of fixed-income investments include Canada savings bonds, Canada premium bonds, government bonds, treasury bills and corporate bonds. These types of fixed-income investments generate income payments that the purchaser would know in […]
As an investor, you may be receiving information in the mail about companies in which you have invested. You may be quite happy with that arrangement, but if you are not, rest assured there is something you can do. When you first open an investment account, you are required to answer a couple of questions […]
Getting the most out of your day involves a significant amount of organization and goal setting. Working on your big-picture goals may take some time. Sometimes you have to stop everything you’re doing and step back to establish your work-life balance goals. Although you may lose some time in the short-term, you will be on […]
Over the years I’ve had many people ask me for advice for someone wanting to improve their financial position. Below are a few of the concepts of how people generate wealth over time. These may seem like elementary concepts but can be valuable for someone new to investing. Savings trumps investing The first concept I […]
