Blog
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The Burdens of Wealth Accumulation
By Stefano Pannu on 17 Apr 2019
I was recently reading through some material from the Canadian Securities Institute, one of the financial industry’s education providers, and came across an interesting piece called “The Burdens of Wealth Accumulation.”
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The Value of Our Advice
Posted on 26 Mar 2019
When you envision your future, from both professional and personal points of view, what do you see?
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Informal Trusts
By Christian White on 20 Feb 2019
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...
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Introduction to My Account
Posted on 16 Jan 2019
Despite being an incredibly useful tool – not to mention free to use – the Canada Revenue Agency’s (CRA) My Account portal is still vastly underused.
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A Few Financial Resolutions for the New Year
By Anne Hammond on 24 Dec 2018
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
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The Benefits of Student Credit Cards
By Debbie Saleem on 19 Nov 2018
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!
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Cherry and Pumpkin Pie – A Legacy Recipe
By Patrick McGuire on 10 Oct 2018
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
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Sequence of Returns Risk
By Nick Hearne on 17 Sep 2018
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.
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Trump and Tariffs: Where does this lead?
By Bryson Milley on 20 Aug 2018
Having now crossed the half-way mark of 2018, it is interesting to look back at the first 6 months in an effort to gain perspective of what the rest of the year may bring.
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Inflation Rises To 2.5% In June…The Highest Since 2012
Posted on 25 Jul 2018
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.
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Where Do We Go From Here?
By Walker Mooney on 26 Jun 2018
The overriding commentary is on the question of whether, at this late stage of the economic business cycle, will the markets continue to drive higher or are we in for a correction or potentially a major pullback and possible recession?
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Reaching Our Goals
By Cecilia Tsang on 15 May 2018
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.
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Emergency Reserves
By Alain Quennec on 18 Apr 2018
Years ago, I actually had someone say to me that they didn't need to put money aside because, "I don't plan on having any emergencies." Letting that sit without a response for a moment or two (I may have raised an eyebrow)
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Federal Budget 2018
By Shaun Sun on 19 Mar 2018
Some clarity for business owners holding passive investments in their corporations.
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A Balanced Budget
Posted on 20 Feb 2018
The thought of completing a budget can feel like a daunting task. When you see how much you spent on lattes and avocados in a month, it can be a bit of an eye-opener.
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Our new website
Posted on 23 Jan 2018
Our new website was created to provide a more intuitive, user-friendly experience for you. Here are some of the exciting changes we’ve made.
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Holiday conversations…
By Mark Neufeld on 19 Dec 2017
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.
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What is responsible investing
By Linson Chen on 03 Dec 2017
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.
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How to Succeed at Retirement
Posted on 17 Nov 2017
Don't simply retire from something; have something to retire to. ~Harry Emerson Fosdick
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Currency Impact on Portfolios
By Jon Knutson on 24 Oct 2017
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.
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Have You Registered For B.C. PharmaCare?
By John Hale on 14 Sep 2017
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
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Alphabet Soup
By Chris Eynon on 15 Aug 2017
When my mom was an advisor at Rogers Group Financial, I always marveled at all the letters after her name on her business card. Unlike many people, however, I knew what they represented in regards to the work involved in attaining the
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Sometimes Old Habits Require New Thinking
By Brett Simpson on 19 Jul 2017
Credit can be an extremely useful financial tool or a slippery slope to financial malpractice. Each of us must choose wisely how we manage our credit capacity (or lack thereof!).
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Not for Profit – An Abundance of Opportunity
By Teresa Black Hughes on 16 May 2017
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 diff
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The Ultimate Currency
By David Baker on 20 Apr 2017
What is the ultimate currency? Is it money? Canadian dollars or U.S. dollars? Is it gold or real estate? No, the ultimate currency is not a tangible asset at all. You can’t save time. You can only spend it… Benjamin Hoff, The Tao
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Taking the Emotion Out of Investing
By Stefano Pannu on 17 Mar 2017
As financial advisors, a big part of our job is to guide and steer investors in the right direction when it comes to portfolio management. The goal of a typical investor, and this may come as a shock to you, is to generate a consisten
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Income Splitting 101
By Bryn Hamilton on 17 Feb 2017
If you or your partner receive qualified pension income, the federal government’s pension income-splitting provisions could mean extra money in your pocket when you file your income tax returns.
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Don’t Overlook a Guarantee of 20%, ever
By Christian White on 23 Jan 2017
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.
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Taking Stock and Making Resolutions
By Anne Hammond on 15 Dec 2016
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.
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Less Time Shopping, More Time Planning
By Patrick McGuire on 17 Oct 2016
We haven’t hit Halloween yet, but I have already seen Christmas decorations at Costco.
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Beneficiary Designations – benefits and considerations
By Nick Hearne on 21 Sep 2016
Individuals have the option to designate beneficiaries directly on assets such as registered plans, investment and insurance products and annuities. Electing this option results in the proceeds of an asset to by-pass the estate and flo
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The Brexit Irony
By Bryson Milley on 24 Aug 2016
There was no shortage of news and opinions about the Brexit vote this past June. And while it made for good political theatre, I couldn’t help but wonder what the people on the ground really felt about it. As luck would have it, the
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Is Your Daughter or Son off to University/College this Fall?
Posted on 18 Jul 2016
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
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Canada Child Benefit – How will it affect my family?
Posted on 14 Jun 2016
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 (
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Current Life Expectancy Numbers
By Walker Mooney on 25 May 2016
In Canada, as in many countries around the world, our life expectancy continues to increase. In B.C., these rates are the highest of all the province— just slightly higher than the Canadian average.
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Protecting Your Greatest Asset
By Cecilia Tsang on 19 Apr 2016
Most of us want to protect the things that we have worked so hard to acquire. We make sure that we have home insurance to protect our homes and car insurance to protect our cars. Every time we purchase an electronic item, we are aske
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Why Pessimism Is So Attractive
By Alain Quennec on 15 Mar 2016
Markets have gone through some ups and downs in the last decade, and this has caused many investors to be worried and pessimistic about the future. Throughout history, people have been apprehensive about times yet to come.
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Making that RRSP contribution before the deadline
By Shaun Sun on 16 Feb 2016
So, you haven’t fully ‘topped-up’ your RRSP? There’s still time to make a contribution and have it count towards reducing your taxable income earned in 2015, if you do so before February 29th. Here are some things to consider before
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What is critical illness insurance and how can it help you?
Posted on 26 Jan 2016
In 1960, life expectancy in Canada was 71.13 years old, today it is over 80. While we may like to think we are living longer because we are healthier than our parents and grandparents were, the reality is that medical advances have dra
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How will the new Federal Government impact your finances?
By Mark Neufeld on 15 Dec 2015
Changes are coming with the new Federal government. Not all the details are known yet, but here is a brief summary of some of the changes that may impact your finances:
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