Providing advice about one’s financial affairs requires a multi-faceted approach. Each client and family has unique experiences. Our work is like looking through the lens of a telescope – to see the big picture, while looking up-close at the personal details. We enjoy the ongoing interaction necessary to keep re-focusing that lens through life’s changes.
Providing advice about one’s financial affairs requires a multi-faceted approach. Each client and family has unique experiences. Our work is like looking through the lens of a telescope – to see the big picture, while looking up-close at the personal details. We enjoy the ongoing interaction necessary to keep re-focusing that lens through life’s changes.
Providing advice about one’s financial affairs requires a multi-faceted approach. Each client and family has unique experiences. Our work is like looking through the lens of a telescope – to see the big picture, while looking up-close at the personal details. We enjoy the ongoing interaction necessary to keep re-focusing that lens through life’s changes.
In 2014, Teresa was a recipient of the Fellow of FPSC. Her designations speak to her belief in constant learning.
Teresa has served locally and nationally on boards that have been part of shaping the history of the financial planning profession.
Teresa has been quoted in various publications including Readers Digest, Canadian Living, Vancouver Sun, and the Globe and Mail.In 2014, she was also recognized in the Investment Journal as one of Canada's most influential women in the Life Insurance industry.
When Teresa is not working, you will find her volunteering at church and in her community. She enjoys exploring new travel sites with her husband Lee and spending time with her granddaughters. She confesses that she should visit the gym more often, and that a good sense of humour will carry one through many of life's ups and downs.
“I believe that it is better to give than to receive. Throughout most of my career I have served on community and industry boards. In more recent years, my interests have drawn me to committees overseeing board governance, finance and audit and compensation. Interacting with other passionate professionals has helped me continually improve my interaction and service to clients.”
CFP (Certified Financial Planner)
R.F.P. (Registered Financial Planner)
CLU(Chartered Life Underwriter)
CIM (Canadian Investment Manager)
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,
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.
Recently I was sick after coming back on from a trip. This was the first time my husband and I traveled together without the children and I was looking forward to spending quality time with them upon my return.
I had a pastor many years ago who often said, “If it weren't for people…”.
‘Water is the new fire’ says the Insurance Bureau of Canada (IBC)
Life expectancy is one of the most misunderstood aspects of retirement income planning - yet, it is one of the most important factors.
At this time of year, we are all accustomed to looking back at the year that has gone by. Today, I would like to suggest that we look ahead to 2018.
With spring just around the corner, parents may be wondering what memorable gift may be appropriate for their graduating daughter and/or son.
As we approach the holiday season, you’ll hopefully find some time to spend with family and/or friends. Many conversations will be had and some may be about that overdone turkey and some may even be about the investment markets.
Responsible investing (also known as ethical investing and socially responsible investing) is growing in popularity as more investors are seeking to align their portfolios with their values.
Don't simply retire from something; have something to retire to. ~Harry Emerson Fosdick
Over the last 5 months, the Canadian dollar has risen substantially versus the US dollar (an approximate 13% increase). This is good news for shopping across the line, but bad news for the US dollar exposure within our portfolios.
Do you ever find that you can rationalize putting off important responsibilities because they may be painful or cause discomfort?
With spring just around the corner, parents may be wondering what memorable gift may be appropriate for their graduating daughter and/or son.
We are fortunate to have a publicly-funded health care system that ensures that all eligible B.C. residents have access to medically-necessary health care services through the province’s Medical Services Plan (MSP). However, you might not be aware that the province also covers eligible prescription medications, medical supplies, and pharmacy services through the PharmaCare program.
Generally speaking, you can contribute to a family plan as long as the beneficiaries are less than 31 years of age at the time of contribution.
When a child is a resident of Canada and receives a permanent social insurance number, they instantly qualify for Registered Education Savings Plan (RESP) benefits.
A New Year is underway and some of us have already broken our New Year’s resolutions…
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.
September will soon be upon us and with ‘back to school’, your daughter or son may be entering their first year of university/college. Often, this transition is full of angst for both young adults and parents alike particularly if the student will attend an out-of-town university. The move includes living in a dorm, making new friends, adjusting to their new studies and most importantly— it may be their first experience of living away from home.
To get this information, you, as the subscriber for the RESPs, will need to call the Canada Education Savings Program (CESP) toll-free line at 1-888-276-3624, between the hours of 8am and 5pm (ET), Monday to Friday.
My wife and I are expecting our first child this August. As new parents to be, we are spending a lot of time analyzing our finances and are doing a lot of planning to ensure that we are well prepared.
There were many changes in this year’s Federal Budget and Canadians families should pay attention specifically to the new Canada Child Benefit (CCB). Starting July 2016, this will replace both the former Universal Child Care Benefit (UCCB) and the Canada Child Tax Benefit (CCTB).
On February 16th, the BC government did the first reading of its 2016 provincial budget. As always, there is both good and bad news for BC residents, depending on their personal situations. Here are some of the highlights.
Teaching our children about money and how to handle it can oftentimes be a difficult topic for many parents.
In February 2013, the BC government announced that any BC resident with an RESP for a child born on or after Jan. 1, 2007, may apply for a one-time grant of $1,200 between the child’s sixth and seventh birthday. Two years have passed since then, as it has taken the government time to develop the applications, and for Financial Institutions to obtain approval to offer the grant.
People may not want life insurance, but they do want what life insurance can provide.
A question faced by loved ones who care for family members that suffer from disabilities is, “How will I protect them once I am gone?”
Government of Canada information regarding persons and/or children with disabilities, and compassionate care leave.
Calculate how much your money can grow in an RESP with the added contributions from the Canada Education Savings Grant, as well as how much you will need to save for your children's education.
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Whether breaking glass
Over the years, I have had the privilege of working with great men. I have found though, that women communicate differently - whether they need details to affirm their decision-making, or whether they need
Helping
This is a big step. Sometimes it happens naturally and sometimes the responsibility comes on quickly. It is important to understand the responsibility and accountability one bears coming into the role with your parent's Power of Attorney. We have worked with hundreds of seniors over the years and assisted many adult children to bridge this gap in
If you work in the charitable or not-for-profit sector, we share your passion for others.
Working with individuals in our business is a long-term relationship. What makes that rewarding is working with people we connect with. Passion for work in the charitable or not-for-profit sector can sometimes mean working for less in wages, or in an industry in constant transition. You love the organization and those whom you serve. You want to keep your eye on the organization which is so important to you. Let us help you with your personal matters so you can do just that.
Are you ready? We can help you find out, then work with you to get there.
Retirement means different things to different people. For
We have the experience to help you know for sure.
