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Investment Planning

Investment Planning

Investment Planning is thought by many to be the financial plan. It’s NOT!  The investment plan is often the last step in the process after the financial plan has identified goals and objectives and their priorities. Sample investment planning goals could include:

  • “We want to accumulate a sum of $400,000 in non-registered savings by the time we retire in 2018.”
  • “We need our portfolio to generate after-tax income of $14,000 each year.”

This all begins with a thorough analysis of your financial situation. Data collection may include the following:

  • identify all cash flow commitments,
  • analyze existing assets,
  • identify any investment opportunities or constraints that are unique to you, such as employee stock options plans or ownership of a small business corporation;
  • determine your current and projected tax profile;
  • identify your current or future need to use an investment asset as collateral.

In addition, the client’s risk tolerance is determined. Care must be taken to consider both the financial and emotional aspects (i.e. both the desire to assume investment risk and the capacity to handle the risk).

Good Educational Tax Free Savings Account (TFSA) Articles

Good Educational Tax Free Savings Account (TFSA) Articles   The Tax Free Savings Account, TFSA, is a great savings plan. Below is a collection of what I consider good educational articles about the TFSA. If you have further questions, please contact me.   When Not to Contribute to a TFSA A TFSA isn’t the holy grail …

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2015 TFSA Update – Additional $5,500 of Room Available

2015 TFSA Update – Additional $5,500 of Room Available The Tax Free Savings Account (TFSA) is becoming a more important part of financial planning as each year passes by.

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TFSA Update – Additional $5,500 of Room Available in 2014

TFSA Update – Additional $5,500 of Room Available in 2014 BACKGROUND TFSAs are in their fifth year. As of January 1st, 2014, you can now invest an additional $5,500. You do not have to set up a TFSA or file a tax return to earn contribution room. TFSA contribution room accumulates every year, if at any time …

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Indices and Benchmarks – Q4 2013

Indices and Benchmarks – Q4 2013 Reviewing the returns of indices and benchmarks is useful for comparing how your portfolio performed when viewing your latest statement.  A portfolio is made up of several components based upon your risk profile. For example, a balanced portfolio might have 5% cash, 45% bonds and 50% equities. The Canada Pension Plan portfolio …

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January 2014 Newsletter

January 2014 Newsletter RETIREMENT INCOME PLANNING  Canada Pension Plan, CPP Payouts for the Canada Pension Plan, CPP, rose a minuscule 0.9% for 2014 based upon the Consumer Price Index. Click here for minimum and maximum Canada Pension Plan Payment Rates. Your CPP payment is dependent on your contributions to the plan over your working career and when …

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