Insights

More than Investment Managers we are Wealth Advisors. It’s our mission to assist you in all areas of wealth, from budgeting and debt management to retirement and tax. We publish timely information, findings, and strategies to help you make informed decisions.

Market Insights

November 28, 2024

Even The Good Years Have Down Times

While many aspects of investing in the equity markets may seem unpredictable, one constant remains: volatility. Just how common are market fluctuations? Even in years when the S&P/TSX Composite Index has performed well, we should expect substantial volatility. Over the past 40 years, despite average annual performance of more than 6 percent, the average intra-year […]
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Wealth Planning

November 15, 2024

Are You Overlooking the Tax-Free Opportunity

There are few “gifts” that the government gives us, and the Tax-Free Savings Account (TFSA) is one of them. The opportunity to invest and grow funds on a tax-free basis over a lifetime should not be overlooked. Yet, the latest statistics reveal that many high-net-worth (HNW) individuals are not taking full advantage. The 2024 TFSA […]
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Wealth Planning

November 3, 2024

Estate Planning: Worried About Beneficiaries

Though the pandemic now feels like a distant memory, it did bring about some positive changes. One notable outcome was that many clients began to take a closer look at their estate planning. In doing so, some discovered that they were concerned beneficiaries might not be able to responsibly manage their inheritance. As a result, […]
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Investing

October 24, 2024

Four Perspectives on the Investment Impact of the U.S. Election

Politics and money are never far apart. Election years frequently bring about questions surrounding changes to public policies, potential regulatory shifts and the ensuing effects on the markets and economy. This year’s U.S. election has been no exception, with investors keeping a close eye on possible changes that could influence industries, sectors and the overall […]
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Investing

October 7, 2024

Half Full or Half Empty?

How do you view the glass – half full or half empty? This question aptly captures the dual nature of sentiment today. On one hand, our standard of living is among the highest in history, fuelled by technological advances, improved quality of life, substantial and growing wealth and increased life expectancy. On the other hand, […]
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Wealth Planning

September 23, 2024

The RESP: Would You Turn Down “Free Money?”

There are many reasons to consider a Registered Education Savings Plan (RESP) to save for a child’s future education: tax-deferred growth within the plan, earnings taxed at the child’s tax rate when eventually withdrawn and, of course, the Canada Education Savings Grant (CESG). The CESG consists of funds paid into the plan by the federal […]
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Investing

September 12, 2024

During Uncertain Times: Access to Alternatives

In the current environment of higher valuations, slower growth, and increased volatility, there’s been a renewed attention to alternative investments. Alternatives are often given focus during more challenging times since their performance doesn’t typically correlate with the markets. Alternatives generally refer to investments not available in publicly-traded markets. Most commonly, this includes private equity, infrastructure, […]
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Wealth Planning

September 3, 2024

Cultivating Financial Habits from a Young Age

“The best way to teach your kids about taxes is by eating 30 percent of their ice cream.” – Bill Murray, Comedian   While repeated in jest, this witty remark highlights an important truth: teaching children about financial responsibilities early on can have lasting impacts. Many of us spend our lives working hard to build […]
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Investing

August 19, 2024

Does the Dow Matter? What’s in an Index

The Dow Jones Industrial Average (DJIA or Dow) is one of the most widely watched stock market indices and the second oldest in the world. Created in 1986 by Charles Dow, then editor of the Wall Street Journal, it originally comprised 12 companies from traditional heavy industries, such as Chicago Gas and National Lead, giving […]
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