The key to successful financial planning is cash and debt management. With the constant pressure for instant gratification many. Financial management is more than preparing a preparing a budget, or figuring out when you can afford to buy a house. In many cases a client may not have the cash flow to fund his or her objectives and that’s where I can help. By properly structuring your debts I can help you achieve your financial goals and objectives.
Open a high-interest Advantage Account for your everyday banking and savings needs. You’ll enjoy great features, plenty of flexibility — and an exceptional rate on all your money! Applying for an account should take about five minutes. Please have the following items ready: ● Your contact information ● Your Social Insurance Number (SIN) You must […]
In a recent article, see reference below, the “report found that the average amount held in a TFSA climbed more than nine per cent to $30,921 from a year ago, December 2020. With a TFSA limit in 2020 of $69,500, this represents about 45% of the maximum limit (excluding any growth in the TFSA). What […]
Most people generally understand what a doctor, lawyer or engineer is and when they might likely need one. When a consumer needs financial advice, should they go to a “financial adviser” or “financial planner”? My industry is still working on that issue after 20 years. I started in financial services in the year 2000 with […]
2020 has been quite a roller coaster for investors so far, to say the least. COVID-19 was the primary reason for the market’s decline in March 2020 and thankfully the outlook is slowly improving. While younger investors may take advantage of low prices for securities due to a longer term time horizon, those in the […]
Whether you are already retired or planning to retire in the next 10 years, the Variable Retirement Income (VRI) can help quantify how comfortable you are with your retirement income strategy. Over the past decades, companies are shifting their pension plans away from defined benefit (DB) pension plans to defined contribution (DC). Why? Companies no […]