This Is A Retirement Income Guarantee
A retirement income guarantee is: We will give you $x income per month, for life. Or it is – We will give you $x income per month, for life, indexed […]
Seven Simple, Useful, Risk Management Guidelines
Life is fraught with risk – being hit by a bus, losing one’s job or spilling coffee on yourself right before that crucial once in a lifetime meeting. This article […]
Traditional Balanced Funds No Longer Work
What are balanced funds and how are they meant to work? A balanced fund is a fund that has been appropriately diversified between negatively correlated (and sometimes non-correlated) assets. A […]
Dr. Marius Bernard & Critical Illness Insurance
I have a truly renewed and reenergized appreciation for critical illness insurance. In the last six months alone those close to me have experienced a successful quadruple bypass, lost a […]
Ontario Lawyers Must Read This Before Purchasing Life Insurance
I was recently asked to review the Canadian Bar Insurance Association term life insurance plan that if offers to its members. Below is a copy of the memo I wrote […]
Insurance Companies Are Bastards & the Life Agent’s Job as Advocate Quote
“Look, insurance companies are bastards. It’s not that they’re evil and trying to screw the little guy out of their money. It’s that they are totally, morally, apathetic. The same […]
Cognitive Bias, Logical Fallacy, and How Brain Shortcuts Cost You Money
What would you say is the number 1 reason that people don’t achieve their financial goals? What do you think the greatest single threat to financial un-breakability is? It isn’t […]
Ten Most Common Wealth Accumulation & Financial Planning Mistakes
If your goal is to be financially unbreakable you want to avoid these 10 common mistakes. Procrastination. This is the biggest money mistake of all – putting off until tomorrow […]
Every take off is optional, every landing is mandatory (Or why math doesn’t always align with real life) – Part 2
This is post 2 of 2 in the series “Every Landing is Mandatory (Or why math doesn't always align with real life)” Every Takeoff is Optional, Every Landing is Mandatory […]
Sequence of Returns and Why they Matter
There are, depending on one’s definition, two or three phases in a person’s financial plan. These are: accumulation preservation decumulation For most of us, we make money, we put it […]