RESP withdrawal strategy in Canada: What families miss about grants, contributions, and the 20% penalty
Getting money out of a Registered Education Savings Plan (RESP) is easy. Getting the most value out of one takes a bit more work. That distinction matters more than most families realize and September is when it comes up constantly. The mechanics are simple. The strategy is not. Withdrawing from a Registered Education […]
Should You Own Bitcoin in 2026? A Wealth Advisor’s View
What Is Happening With Bitcoin? Bitcoin has been a frequent topic of client conversations recently. That makes sense. The price action has been confusing, the headlines are loud, and the opinions range from “digital gold for the next century” to “it is going to zero”. Cutting through the noise requires a clear framework. Start with […]
You were right to be worried. Here is why we did not let that guide your portfolio.
Conrad Kluge Wealth Advisory Group Wellington-Altus Private Wealth You watched the markets fall in March 2026 (like what happened 12 months earlier). You watched the news get worse before it got better. You asked the question that every high-net-worth investor asks during a correction: is this the one that does not come back? That is […]
Estate planning: A structured approach for high-net-worth families
Estate planning is one of the most consequential components of a comprehensive financial plan. Despite this, many families delay the process or avoid it entirely. That delay carries real risk. This article outlines the core documents, the decisions they require, and the questions that come up most often. Why this conversation cannot wait A […]