Category Archives: Investments

Got an RSP and Turning 71?

Do you know someone with a Registered Savings Plan (RSP) and turning 71 – maybe your parents, siblings or perhaps yourself? If you do, you should be aware of some decisions that have to be made to the Registered Savings Plan. … Read More »

December 20th, 2012 | Posted in Insurance & Retirement Solutions, Investments, Pensions, Retirement Planning | Tagged , | Comments Off

The Estate Bond – Have Your Cake and Eat it too!

Often we see older investors shift gears near retirement and beyond.  Many become risk averse and move their assets into fixed income type investments.  Unfortunately this often results in the assets being exposed to higher rates of income tax and lower … Read More »

November 23rd, 2012 | Posted in Estate Planning, Insurance & Retirement Solutions, Investments | Comments Off

Diversifying Your Portfolio – A New Investment Class

Recent developments in investment markets and the resulting poor performance have brought about a new appeal to an old workhorse.  For investors looking for a diversification in their investment portfolio and a more tax efficient fixed income investment alternative, a … Read More »

October 16th, 2012 | Posted in Insurance, Insurance & Retirement Solutions, Investments | Comments Off

How Do I Know If I’m a Good Candidate for an Individual Pension Plan (IPP)?

If you are a successful business owner, professional or executive looking to increase your retirement income assets, an Individual Pension Plan (IPP) may be worth exploring. An alternative to the traditional RRSP, these plans are best suited to individuals age … Read More »

May 8th, 2012 | Posted in Investments, Retirement Planning | Tagged , , | Comments Off

“What are my options to reduce volatility in today’s market?”

It is important to note that we are in a period where it doesn’t look like volatility in the equity markets is going to decrease any time soon. A key factor in determining your investment portfolio’s overall risk and return … Read More »

March 23rd, 2012 | Posted in Insurance, Investments, The Markets | Comments Off

Estate Value Risk Management In Turbulent Times

The Mortality Hedge Revisited Living through the volatility of equity markets can be extremely stressful for those who have significant investment portfolios.  Over the past few years it has not been uncommon to see the value of many equity portfolios … Read More »

February 16th, 2012 | Posted in Estate Planning, Insurance, Insurance & Retirement Solutions, Investments, Retirement Planning, The Markets | Comments Off

Should I put money in a TFSA or RRSP?

TFSAs are a great way to save $5000 every year (cumulatively $20,000 as of 2012) on a completely tax free basis. While deposits to a TFSA are not tax deductible, all income, capital gains and dividends are completely tax free. … Read More »

February 1st, 2012 | Posted in General, Investments, Retirement Planning, Taxes | Comments Off

Time for a Sure Thing?

The past few years have not been very kind to investors, especially to those recently or soon to be retired.  Just as investors dragged themselves out of the rubble of 2008, along came 2011.  For those nearing retirement, there just … Read More »

January 19th, 2012 | Posted in Estate Planning, Insurance, Insurance & Retirement Solutions, Investments, Pensions, Retirement Planning | Comments Off

Are You On The Right Track?

In the last bull market many investors started to develop unhealthy expectations as to the long term yields their investments would provide. Many had come to accept returns as high as 15% to 20% per annum as the base return … Read More »

October 17th, 2011 | Posted in Estate Planning, Insurance, Insurance & Retirement Solutions, Investments, Pensions, Retirement Planning | Comments Off

Do you have a Retirement Income Strategy?

Canadians are faced with new realities that pose significant challenges to traditional retirement planning. Many Canadians are retiring earlier and living longer than ever. Currently, the average retirement age in Canada is age 62.  With many living into their 90s, … Read More »

October 11th, 2011 | Posted in Insurance & Retirement Solutions, Investments, Retirement Planning, Updates | Tagged | Comments Off