You are concerned with planning for the transition to retirement, how to best generate income during retirement, properly invest your nest egg, or deal with your estate planning. My team and I listen to you, come to understand your goals, and help realize those goals with a written plan, disciplined implementation, and regular scheduled checkups for your lifetime.
You are concerned with planning for the transition to retirement, how to best generate income during retirement, properly invest your nest egg, or deal with your estate planning. My team and I listen to you, come to understand your goals, and help realize those goals with a written plan, disciplined implementation, and regular scheduled checkups for your lifetime.
You are concerned with planning for the transition to retirement, how to best generate income during retirement, properly invest your nest egg, or deal with your estate planning. My team and I listen to you, come to understand your goals, and help realize those goals with a written plan, disciplined implementation, and regular scheduled checkups for your lifetime.
My childhood dream was to be a teacher - to help people understand things and share the feeling they have when it happens. I loved showing people how to fix things, and enjoyed puzzles and mystery novels. In college, I even took a course in Detective Fiction. As I grew to adulthood, my dilemma was finding a domain that interested me while allowing me to exercise my need to solve problems and educate others. At Concordia University, I was fortunate enough to be chosen as one of eight students to study the first university full-year course in practical financial planning, and I was hooked. My clients now call me "The Explainer" - they talk to me in order to understand their situation, and then feel comfortable and confident in making life decisions. It is an honor and a privilege to guide clients through a lifetime of critical financial events and decisions. I see myself as the captain of my client's ship - they depend on me to guide them on their life's journey, letting them know what they need to make critical decisions and helping them avoid mistakes that could jeopardize a successful outcome.
I grew up on Montreal's West Island, and graduated Concordia University. After spending 1993 in Australia and my first year in the financial advisory field in 1994 (Montreal), I settled in Vancouver in 1995 and joined the firm's founder, Jim Rogers, in his financial advisory practice. In 1999, I took over some of Jim's practice as he was in the process of retiring, the same year meeting my wife-to-be, Linda. We married in 2002 and were blessed with twin daughters in 2005. Outside of their activities of dance, judo, piano, and voice lessons, the children enjoy their mini Havanese dog, Ollie, travelling with their parents, and joining me at the finish line of endurance cycling races. Linda is an author, and having completed a Masters Degree in Creative Writing, is working on her PhD in Psychology.
BComm (Finance) - Concordia University
CFP (Certified Financial Planner)
FMA (Financial Management Advisor)
CIM (Chartered Investment Manager)
I was skiing last season and took in a mogul run I probably shouldn’t have. My skills are solidly “blue level”, and this was a black diamond run.
News outlets are breathless, declaring, “The markets are up!”, “The markets are down!”, “The markets are volatile!”.
I yearn for the quaint old days of receiving the occasional email from a “Nigerian prince”, asking me to help him protect the riches of his country by accessing my bank account as a conduit to safety.
Hope for the best, prepare for the worst – words to live (and golf) by.
Prior posts have been about why our current situation is a health crisis, and not an economic one at its root. Many of the repercussions are economic, of course, and it gets more complicated.
My last post was about the possible disconnect between the stock market (the price of the underlying companies) and the health of the economy (the value of those underlying companies).
The stock market bottomed around March 23rd. The Dow went from just shy of 30,000 to less than 19,000, an approximate 37% drop.
On Monday April 20th, 2020, the price of oil went negative for the first time in history. What does that mean?
Ben Bernanke served as Chairman of the US Federal Reserve Bank (the Fed) through the financial crisis of 2007-2009.
Are investors catching their breath? Market volatility has been very high for the last couple of months, mostly on the down side.
The news about coronavirus surrounds us constantly. It’s easy to get emotional. I feel it, too.
After a summer of doldrums and headlines of doom and gloom, Mr. Market decided to be contrarian, and so equity markets surged through to year end, posting strong gains
With coronavirus talk everywhere you turn, I thought it necessary to provide some comments and guidance in regard to your investments and planning.
Day-to-day, month-to-month, even year-to-year, markets are a popularity contest. Stocks go in and out of favour ...
All three professionals help people navigate a journey to their desired destination.
A solid credit score is your endorsement as a desirable borrower, providing you with access to capital at better rates, saving you considerable interest costs and helping you achieve your financial goals.
When we are young, we don’t know what we don’t know!
Recently, my nephew and I went out for lunch to celebrate his acceptance to the University of Victoria. I would like to share some of the financial advice I passed on to him.
What does it mean to create a financial plan? And why is it important to do so?
Managing risk is something we do in many aspects of our lives. When I give seminars on financial planning, I like to ask the audience what they think their biggest asset is. Most will answer their home, especially in the Lower Mainland.
Informal trusts, or ITFs, are a tax-efficient way to provide a savings plan for a minor child. These accounts can be used for funding future education, protecting an inheritance or, as is often the case...
Love isn’t in the big gestures. It’s in the small details – the everyday minutiae of the lives of people that we care for.
For the purposes of this piece, we will be focusing on managed money and, in particular, mutual funds. An investment advisor who chooses investment funds on behalf of a client is implementing what’s called Overlay Money Management.
Once all the Christmas dinners are done, the guests have gone home, the Boxing Day shopping is done, our new purchases are safely home, and the house is quiet as we wait to bring in the New Year, our thoughts often begin to turn toward resolutions for the new year
When my oldest son turned 19 last year, he was very surprised when I insisted that he apply for his first credit card – a student credit card with a low limit and no annual fee. He happily obliged!
After thirty-five years of financial advising, I would like to share some insights I’ve recognized as important ingredients in effective integrated wealth management.
In the past 10+ years, Vancouver homeowners have enjoyed significant increases in property values. In some cases, property values have increased 2x and 3x
Most investors understand that to achieve their long-term target rate of return, they will need to accept some volatility in the short and medium term.
Statistics Canada recently reported that Canada’s annual inflation rate rose to 2.5% in June. In addition, consumer prices grew faster than in the previous six years.
Today, many of us have fragmented relationships with our financial institutions. Gone are the days when we would head to our local bank branch to take care of our monthly bills, deposits,withdrawals and update our bank books,
While leading retirement seminars for pre-retiring professionals over the past 10 years, I have observed diverse levels of readiness, attitude, and concern toward this major work/life transition.
What does it mean to create a financial plan? And why is it important to do so?
Employers guarantee a specific retirement benefit for each employee who participates in their defined benefit pension plan.
Knowing the tricks of the travel trade could save you money and hassle the next time you take a trip. There are plenty, but here are a few of my favorites to consider before your next trip.
On Saturday, August 24th and Sunday, August 25th, the Market Cycles of RGF Integrated Wealth Management took part in their 11th straight Ride to Conquer Cancer benefiting the BC Cancer Foundation.
We can give our children a lot – from material possessions, to our time and energy. In return, we often desire or expect expressions of gratitude from them, but this doesn’t always happen.
I’ve had the privilege and honor to work with many clients transitioning to retirement over my nearly 20-year career in financial services.
Informal trusts, or ITFs, are a tax-efficient way to provide a savings plan for a minor child. These accounts can be used for funding future education, protecting an inheritance or, as is often the case...
Love isn’t in the big gestures. It’s in the small details – the everyday minutiae of the lives of people that we care for.
My initial conversation with the client had been friendly, but brief. He gave me most of the relevant details unprompted and had obviously done some research on what might be expected during the divorce process.
When my oldest son turned 19 last year, he was very surprised when I insisted that he apply for his first credit card – a student credit card with a low limit and no annual fee. He happily obliged!
Is that will of yours looking a little worn and tattered or perhaps you don’t have a will at all?If the answer is yes, you are not alone.
In the past 10+ years, Vancouver homeowners have enjoyed significant increases in property values. In some cases, property values have increased 2x and 3x
Most investors understand that to achieve their long-term target rate of return, they will need to accept some volatility in the short and medium term.
Planning for what happens after you die is something most people don’t really enjoy, but it is an integral part of financial planning. One of the most common ways to plan is by drawing up a will.
Love isn’t in the big gestures. It’s in the small details – the everyday minutiae of the lives of people that we care for.
Is that will of yours looking a little worn and tattered or perhaps you don’t have a will at all?If the answer is yes, you are not alone.
I love pie! The invitation for family Thanksgiving Dinner came via text: the menu included a cherry & pumpkin pie. I began to imagine the texture and taste of this interesting blend of favourites, eager to try this new
As you make decisions regarding your estate and succession planning, you want to ensure that your final wishes will be upheld and withstand judicial scrutiny.
I had a pastor many years ago who often said, “If it weren't for people…”.
On Saturday, August 26th and 27th, our RGF team, the Market Cycles took part in the 2017 Ride to Conquer Cancer – our ninth in as many years.
Do you ever find that you can rationalize putting off important responsibilities because they may be painful or cause discomfort?
A life annuity is a financial vehicle that allows you to exchange a lump sum of capital for a guaranteed income for as long as you live (or you and your spouse or partner lives).
If you’ve had to obtain a mortgage to purchase a home or condo, you will have noticed the number of times insurance was discussed.
Many of us are involved in our communities with not-for-profit and charitable organizations. Passion moves us to serving and giving to organizations that make a difference in other people’s lives. Just as a financial plan makes a difference in guiding your personal financial situation, so does good governance and leadership in these not-for-profit and charitable organizations.
As the year draws to a close… if you’re like me, you may be looking back over the year – considering what worked, what didn’t, and what you might like to do differently or focus on next year.
On Saturday August 27th and 28th our team, the Market Cycles, of Rogers Group Financial took part in the 2016 Ride to Conquer Cancer – our eighth in as many years.
I have been actively involved with charitable organizations for the past 19 years, but I have been charitably-minded my whole life.
There are some risks that we take purely for the fun of it: skinny-dipping, roller coasters, even alcohol consumption. These risks range from fairly benign to potentially catastrophic.