There are a number of different associations, not for profits, quasi government and other entities that provide industry guarantees in Canada. These include CIPF, CDIC, FSRAO (for Ontario credit unions), […]
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 […]
I do a lot of financial planning, group benefit & estate planning work with lawyers in Ontario. In discussing their plans I have come across a somewhat unique situation – […]
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 […]
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 […]
If a bank, an agent or a broker is selling you a critical illness policy without this definition be very suspicious of their motives. Those who know me know that […]
Monkeys are cute, fun, intelligent, and a little ridiculous. I only mention this because I required an opening statement for what is to follow. In many towns and villages in […]
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 […]
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 […]
When doing retirement and financial planning there four investment risk factors one must be aware of and prepare for. Understanding what these are and how to mitigate them will greatly […]
