Articles

Over the years it has been interesting to hear how people talk about income taxes. Taxes affect everyone differently. People are critical about income taxes taking up too much of their earnings. Many recent graduates complain about high taxes while they are struggling to pay off student debt. Some income earners might invest in risky … Tax-effective investing

There are early signs that Canadians are starting to better manage their personal debt. That is a benefit to all Canadians including those with no debt. Over the past several years the high level of personal debt we have carried has posed a risk to all Canadians. Think of the Canadian economy as a small … Managing personal debt

​The provincial Liberal Party was voted into office with a majority government. Are they in charge of our financial future or will that be in the hands of the credit rating agencies that decide our credit worthiness? Ontario’s credit rating determines the interest rate we pay to borrow money. If we are deemed to be … Credit rating agencies hold a lot of power

Investors are going to receive better mutual fund information before they make that fund purchase. This is a welcome upgrade to the existing system. It will help millions of Canadians who own mutual funds and have them as their investment vehicle of choice. The value of Canadian mutual funds is approaching $1 trillion. About half … Fund Facts: an improvement for educating investors

The role of wealth management is to provide a road map to a client’s financial success. That road is constructed with the aid of decades of research from two opposing camps: investment theory and behavioural finance. Successful navigation means using what has been learned from both bodies of research. The first is investment theory about … The role of wealth management

When is the best time to plan for retirement? This is a question that has come up quite often lately. Planning is, however, more of an ongoing process than a single one-time event. Yes, there is the initial plan, but that should be followed by continuous planning. Planning should generally be done at least yearly, … Retirement planning should be an ongoing process