info@watsoninvestments.com
(905) 842 -2100
FREE CONSULTATION
STAY CONNECTED
About
About You
About Us
Our Team
5 Step Process
1. Gather and Analyze
2. Develop your Financial Roadmap
3. Discuss and Implement the Financial Plan
4. Financial Forecasts
5. Communication and Monitoring
Testimonials
Resources
Articles
Videos
Presentations
Media
Events
Contact
Investment -ACPI
Client Login
Articles
Many baby boomers facing retirement risk
February 16, 2012
Power of Attorney
February 9, 2012
Coordinate Health and Wealth Efforts
February 2, 2012
Posts navigation
<<
1
…
98
99
Article Categories
Retirement Planning
Investment Philosophy
Fee Transparency
Peter’s Opinions
ARCHIVES
2023
March
Canadians Worry About Personal Finances
Women’s Careers Look Promising
February
Beware of Telephone Theft Attempts
Stock Market Returns can be Misleading
Our Health Care System is Broken
Bad Year for Bonds in 2022
January
Government Grants Offered to Parents
University Costs Can Disrupt Your Retirement Plans
2023 is the year of side hustles
Lessons Learned from 2022 Disappointments
What’s your New Year’s resolution
2022
December
The Holiday Season is a time to reflect
The New Financial Challenge for Seniors – Mortgage Payments
Financial Pain Comes From Higher Interest Rates
Many struggle with high inflation
November
Investments Too Good to Be True
Stock Market Can Provide Useful Investing Insights
Stock Market Volatility Can Leave You Depressed
The Challenges of Another Interest Rate Hike
Financial Pain is on The Way
How to Build Your Investment Portfolio
October
Investing – A Time to be Brave
Dementia Could Be a Significant Financial Risk
Retirement in Canada is Becoming More Risky
September
Canadians Net Worth Declined Significantly
Saving for Your Children’s University Education
Bank of Canada Increases Interest Rates Again
Prices Increasing and Spending Decreasing
Why investors should understand stock market details
August
Dollar Cost Averaging: A Strategy to Consider
Full-Service Investment Firms Can Be Challenged at Providing Comprehensive Advice
When shopping for financial products, be your own advocate
Should You Sell Your Stocks?
Personal Finances are Challenged with Continued Increase in Inflation
July
Interest Rate Increase Will Hurt Many Canadians
House Prices To Fall
Federal Government Loses Billions in Unpaid Taxes
Investors Lost Millions and Fraud Charges Laid
Narcissistic Investment Managers Underperform
June
Lessons Learned from Golf That Apply to Investing
Large Tech Stocks Underperform
Financial despair can have a silver lining
Seniors Face Many Financial Challenges
May
Millennials Prefer Financial Advisors More Than Robos
Better Investment Fees Disclosure is Proposed
Managing Expectations and Important Aspect of Investing
Significant Interest Rate Increases will be Painful
April
Federal budget attempts to balance many priorities
Financial Stress for First Time Homeowners
Investors Will Benefit from New Investment Industry Rules
Over managing your investments could cost you money
March
Mutual fund past performance data can be misleading
Interest Rate Increases will be Painful
The pandemic will continue to change how we work
February
War and the Effect on Stock Markets
Facebook Parent Company Shares Plunge in Value
Normal economic cycles can hurt the individual
Rising Interest Rates Ahead
January
Financial worries can cause mental health problems
Successful Investing starts with asset allocation
Is COVID-19 tax coming?
Why You Need a Tax-Free Savings Account
Why you need to be optimistic when investing
New Year’s Resolution: Is it Time for a Career Change?
2021
December
The Perfect Gift for Your Child in 2022
Are you afraid of losing all your investments
Canadians Will Spend More This Holiday Season
Financial Stability on Pins and Needles
November
What Companies Should You Invest?
Investing Can Be Simple: Do What Works
Estate Planning Gone Terribly Wrong
Inflation Over Time is a Significant Personal Risk
Tax Avoidance Hurts Us All
October
Investing and Sports Both Include Competition
Understanding Inflation is Important to Investing Success
House Value Warning Issued by CMHC
Banks Push Back on Investor Protection Reform
September
Mortgage debt is a financial risk
Investing – Measure Twice and Cut Once
Financial Planning More Difficult for Women
August
New Investor Regulations are an Upgrade
Federal Election 2021: Will it Affect My Investments?
Do not judge an investment decision by the outcome
Successful Investing Requires a Long-Term Approach
July
Residential Rentals Putting a Strain on Personal Finances
Invest in Stocks – Prepare to Lose
Failed CMHC Policy Could Not Control Rising House Prices
Is It Time to Re-Balance Your Investment Portfolio?
Investment Predictions Often Do Not Come True
June
Languishing can be Damaging to Your Personal Finances
Stocks and Bonds: What to Expect
Managing Your Investment Risk
Personal debt is a financial challenge
Six Reasons Why You Might Leave Your Job
May
Time to Extend Free Education Past Highschool
The Crazy Real Estate Market Can Cause Mental Strain
Manage family finances as a partnership
You vs. Government: A Conflict of Interest
April
Can Canadian Taxpayers Afford this Budget?
Universal Basic Income: A Liberal Party Proposal
The Good, The Bad & The Ugly
Go away by staying at home in Canada
March
Stock Market Risk Reduces with Time
Financial Fire Drill: Be Prepared
Health and Wealth is Under Siege
Politicians, Get Ready for a Fight
The Stock Market on Steroids
February
Lessons Learned from the Past
Ontario University in Financial Trouble
Creative Thinking can Lead to Business Success
The Dangers of Your House Mortgage
January
Alberta Lost, The Environment Won
How Long is Your Runway?
Freedom of Speech: Who Makes the Rules?
Three Important Documents Needed as you Age
Innovation – Your Friend for the Future
2020
December
Oh my, what a year
Christmas Is A Special Time of Year
Three Steps for Successful Investing
Problem-Solving: Your Path to Financial Success
Top Performing Large Stocks Tend to Change to Underperforming
November
Please Do Not Destroy the Planet
Investment Returns are Based on Expected and Unexpected Factors
The Stock Market-A Form of Democracy
The US Election Drove Me Nuts
Monthly Payments can be a Financial Sink Hole
October
COVID-19 Chaos Disconnected from Stock Market Performance
Debt levels are dangerously high and is a risk for us all
Will the US Election Affect Stock Values?
Speech From The Throne: Our Path Forward
Change happens, so plan ahead
September
Office work in the future has changed forever
Covid-19 Provides an Opportunity for Fraudsters to Steal
Employment Insurance logic needs to be fixed
Cyber Attack Against the Federal Government Puts Canadians at Risk
August
The Toronto Maple Leafs disappointing season teaches us a lesson about diversification
COVID Alert app will Help Fight the Pandemic
Lessons Learned from COVID-19 can Help Your Personal Finances
Uncertainty and Risk Ahead Despite Recovering Economy
July
Covid-19 Could Change Your Life for the Better
Stock markets can be mind boggling
Financial Planning will be taught in elementary schools
Tough financial decisions ahead
June
Stock Market COVID-19 Volatility
Timing the Stock Market Can be Risky and Costly
Scams and fraud are a real threat
Home Ownership Dangerously More Accessible
Stock market declines can result in panic selling
May
Stock market volatile annual returns
Are you Making an RRSP Mistake?
Personal income tax returns should be automated
Protect Yourself Against Fraud
April
Protecting your investments before a stock market crash
Seven Steps to Building an Evidence Based Investment Strategy
Understanding the Stock Market will Lead to Success
Stocks Plunge and Investors Panic
Buy and Hold Stock Advice Could Backfire
March
Flexibility Should be Built into Your Retirement Planning
Climate Change Risk to Ontario Homeowners
What is the future for Robo Advisors?
January
10 tips for a better retirement
2019
December
Tax-saving benefits of asset location
November
Pay yourself first- a sound principle
Tips on your personal credit rating
Curb overspending with good financial habits
Warren Buffet wins $1-million bet
October
Consider trusted contact person for the elderly
Financial planning helps achieve lifetime goals
Financial Stress of the Sandwich Generation
Tennis win shows the benefits of planning
September
The importance of money conversations
Financial planning helps achieve lifetime goals
The effects of low interest rates
When investing, you need to do the math
CESG helps with the expense of education
August
Affordable rental housing shortage in Canada
Questions for a potential financial advisor
Hiring a financial advisor is an important decision
Lower investment risk by diversifying
The Importance of Asset Allocation
July
Reduce debt and accumulate assets
Stop Investing and start planning
Wasting food makes no sense
Dementia can cause debt or the loss of financial assets
June
Portfolio Overactivity can Backfire
CMHC defends mortgage stress test
International investing and diversification
Canada’s money laundering problem
May
Financial Professionals Title Protection Act, 2019
Mental health issues can affect financial planning
Fair wills help avoid resentment during a difficult time
Beware of phone and Internet scams
The future of wealth management
April
Tips on decision-making when investing
High cost of education
Female investors are a major force in the financial industry
Canada’s Income Tax Act Needs Reform
March
Avoid Investment Fads
Windfall Funds Change Financial Priorities
A lesson from Oshawa: Plan for the unexpected
March 8 is International Women’s Day
February
Market volatility and investment expectations
Let’s talk about risk
Canadians less likely to trust sharing personal data
RRSP or TFSA Contribution?
January
Tips to protect yourself from cybercrime
Data Privacy Day on January 28
Both financial planning and investing are important
Understanding tax free savings accounts can be profitable
2018
December
New Year is a good time to tackle your debt
A Christmas gift that could last a lifetime
DIY investors charged fees for advice not received
November
Why is it so difficult for people to save?
The advantages of the mutual fund structure
Money does not make you happier
Human brain not built for smart financial decisions
October
Mutual funds Survivorship
Ontario does not support banning DSC fees
Making the most of Thanksgiving
September
Evidence-based investing is highly recommended
Do you have an up-to-date will?
Parents need to save for their children’s education
CRA poll: Wealthy are favoured when it comes to income tax
August
The importance of adviser communication skills
A coffee drinker could become a millionaire
Should Canada implement an inheritance tax?
Growing old has financial risks
Young adult children living at home longer
July
Cybersecurity risks due to lack of trained specialists
Proposed changes to mutual fund fees
Planning for retirement: how long will you live?
The 411 on mutual fund fees – the news isn’t good
June
Professional ethics are key to being treated fairly
Canadians weigh in on financial stress
Don’t be swayed by temporary setbacks
Trade wars hurt consumers
May
Investing in stocks should be done for the long-term
Financial literacy doesn’t necessarily mean financial wellness
Digital technology – The future of financial advice in Canada
RCMP outsources experts to fight white-collar financial crime
Tax planning and asset location
April
Stay vigilant against evolving crime
It is human nature to want to speculate
Investors 65 years and older need better protection
Plan for retirement spending
March
Secrets and lies: financial infidelity in Canada
2018 TFSA maximum contributions stays the same
Budget 2018: a progressive agenda with proposed billions in new spending
The importance of women’s financial independence
Fraudsters are getting more sophisticated
February
The CRA is cracking down on tax evasion
Planning for retirement is getting more complex
Federal government not practicing what they preach
New home mortgage stress test
January
Bank of Canada warns on record household debt levels
Reflect on the future with 2018 New Year’s resolutions
Robo-Advisor technology to be used by financial advisors
2017
December
Be prepared: save for a rainy day
The gap between government and cryptocurrency a concern
Technology – is it working for or against us?
Achieve financial self-sufficiency with practice of ‘Pay yourself first’
November
Let’s start talking investments
Canadian Tech firms reporting increased U.S. job applicants
Lots of news about money
There is an increasing appetite and expectation for transparency
Is it time to pay off your mortgage?
October
A valuable financial lesson from the Sears Canada bankruptcy
Financial abuse—the silent partner of domestic violence
Identity theft is big business so you need to stay vigilant
Scholarship details reveal Sheridan sports are bright
September
Embedded commissions debate continues as changes loom
Weighing privacy against risks involved with cryptocurrency trends
Toronto’s Air Canada Centre to be renamed Scotiabank Arena
It’s time to rethink strategy for post-secondary education
August
Canadians love affair with personal debt continues unabated
It’s inevitable — We are headed toward a cashless society
Research suggests buying time may make you happier
Parents give adult children $24k average to move out
Canada’s greying population gives rise to financial challenges
July
Millennials’ financial priorities
It’s official… Bank of Canada has finally boosted interest rates
Sears Canada’s financial woes – it can happen to anyone
Food for thought… Amazon and Whole Foods an investment lesson
June
Happy Birthday, Canada… we salute all 150 years
Financial diversification is good
Your home is your castle — maybe your healthcare plan
Raising minimum wage a good, and bad, idea
Value in monitoring your investments
May
Standing up for accountability
Protections proposed for self-directed investors
Ontario government introduces basic income pilot project
The dream of home ownership could turn nightmarish
April
The financial and human sides to soaring house prices
High investment industry fees do not result in superior returns
Tax season tends to bring out the financial fraud scammers
Ontario provincial government moves to protect investors
March
Without trust, where are we?
Big banks facing public relations fiasco on sales tactics
Will the 2017 federal budget reflect gender-based analysis as promised?
A heart to heart talk about the cost of receiving investment advice
Dream of retirement seems elusive for many 55 and older
February
RRSP contribution season – it’s that time of year again
How Canada could benefit from current U.S. presidency
Changing how investment returns are reported
Have a candid conversation with advisor about mutual funds
January
For those of you who like to pick stocks – you don’t need to read this
New investment disclosure rules a good first step
Privacy is a very big deal
New Year’s resolutions… It’s that time of year again
2016
December
The importance of managing your investment portfolio
B.C.’s no-interest down payment loans and financial reality
Should financial advisors be held to a higher standard?
Pension reform, what’s good for some should be good for all
How to choose an investment advisor
November
Disconnect between investor client and investment manager
Technology will change financial advice
2016 Presidential election in U.S. not an indicator of future
Investors are turning against stock picking
October
The importance of effective communication for advisors
Portfolio diversification is the smartest investment option
The dangers of Canada’s real estate bubble will affect us all
Canada Savings Bonds could become extinct
September
Investors’ human nature leans towards pessimism
Behavioural finance and the illogic of ‘mental accounting’
Behavioural finance and risk tolerance
Behavioural finance’s role in investment decisions
Investment strategy: a balancing act of risk taking
August
Contrarian investors: you go your way, I’ll go mine
Not all investors are created equally when it comes to risk
Making your investment portfolio more profitable with tax planning
What the Canadian sale of negative-yield bonds means for investors
July
New disclosure regulations for investors a positive move
The housing market: home sweet home or house of cards?
Individuals are lousy investors because of human behaviour
Reform of the CPP is a step in the right direction
June
Stock market’s volatile reaction to Brexit vote is normal
Will Apple be your future bank?
Investing requires discipline and managing reactions
Protecting Investors
Investment decisions should be evidence-based
May
Trust is a critical element to successful investing
Buffett: High fees for actively managed funds ‘eat up capital like crazy’
Survey shows more younger Canadians worry about money
Buffett’s words of wisdom
April
Obligation to Native residential schools should be honoured
The rights of investors should be improved
The Panama Papers scandal more intriguing than a Grisham novel
Alleged bad advice costs couple close to $50K
March
Federal budget looked more like Christmas giving
RBC change results in higher taxes for some investors
Fairness has evaporated from income tax rules
Human pessimism hurts performance of investments
Emotional decisions lead to losses; invest in the long term
Ward Funeral Home – Plan for tomorrow, today
February
Advice from retirees to younger generation – start saving early
Dementia can be a personal and financial challenge
Panic selling of stocks can be expensive for investors
Investment industry regulation is stuck in the dark ages
Better Brain Health: maintaining a happy, healthy brain
January
Investing can be an emotional rollercoaster
Dealing with stock market declines requires discipline
Invest time, effort to increase your abilities
Canadians are at risk from government overspending
2015
December
Canadian debt is a risk, time for the government to lead
Christmas – a time to reflect on yourself, too
Positive career opportunity for those in their 30s and 40s
Pending physician-assisted death legislation may change estate planning
Investment guidelines might harm investors
The Power to Choose – Physician Assisted Death
November
Should gains from the sale of a house be taxed?
RRIF rule change presents a tax planning option
Remembrance Day: a time to be thankful
Mutual fund trailer commissions are a conflict of interest
Year-end Tax Tips for Boomers and Beyond
October
The challenges and solutions of growing old in Canada
Investors can learn a lesson from Canada’s federal election
Pension inequality ignored during federal election campaign
Using Yogi-isms to learn how to better invest funds
Living Well, Living Independently. A discussion of practical strategies and resources to help you enhance your quality of life.
Investors should protect themselves against white-collar crime
September
Some ‘free’ investment courses are a sham
It’s risky to borrow when investing
August’s stock market decline is a good thing
Humans are their own worst enemy when it comes to investing
August
Millennials should consider moving back home
Ontario is helping residents prepare for retirement
Prepare like a politician when it comes to financial planning
Running out of money is a real risk during retirement
July
Financial malpractice could torpedo your investment results
Bank of Canada interest rate reduction is a significant move
Short-term investment predictions do not work
Measure twice, cut once when it comes to investing
Mutual funds have hidden fees: report
June
A tale of two investors: one smart and one not
Financial illiteracy is your enemy
Snowbirds, beware of tax liabilities in the U.S.
FIFA scandal should serve as warning
Canadian Snowbirds Tax Issues
May
Four simple strategies for successful investing
The new financial fee disclosure will be good for investors
Procrastination can hurt investors’ financial success
Conflict of interest for investment advisors and their clients
Crime Prevention and Personal Safety
April
Federal budget a political sales pitch
Living in your later years can be expensive – plan ahead
Tax-Free Savings Account’s increased contribution limits good for Canadians
Age can guide decisions on investment
Oakville’s Early History
Tax-planning ideas to net better investment returns
March
Research shows many avoid seeking financial advice
It’s best to rely on facts, not your mood when investing
Downsizing and decluttering are part of life
Buffett’s investment sense: good for you but not for T.V. ratings
Avoiding Transition Trauma
February
Don’t overlook the RRSP contribution advantage
Hello Retirement…shall we dance?
Estate planning 101: prepare a will and renew it
The plunge of the dollar will affect many Canadians
Estate Planning 101 – Are You Prepared?
January
Lack of financial consistency, transparency is bad government
Sudden collapse of Target stores is a lesson for us all
Competition in the banking world is good for consumers
Leave emotions at the curb when making investment decisions
Try to resist temptation to guess stock market performance
2014
December
Bank of Canada warns your house may be overvalued
Advances in technology are a threat to earning an income
Study shows Canadians are living with debt denial
Running out of money is the biggest fear of retirement
November
Financial Stress is keeping Canadians awake at night
Landmark decision against misleading manipulation of information
New tax proposals a cat-and-mouse game to win votes
Look for ways to improve the health of your finances
October
Seek lower cost options when investing in the market
Get a personal rate of return yearly
Reassess financial future and reduce personal debt
Fund managers turned advisers may be good for investors
The new era of financial advice
September
Generating income from your portfolio
Don’t let work lower your quality of life
Will technology or investment advisers best serve your needs
Using elementary math to plan for a post-secondary education
August
Focus on own personal investments
Holistic view part 2: factors affecting mutual fund returns
A holistic view for achieving financial success: Asset Allocation
Mutual fund costs influence investment performance
July
Get the most out of your advisor
Financial success requires clear focus
Small risks are more significant when it comes to investing
Tax-effective investing
Managing personal debt
June
Credit rating agencies hold a lot of power
Fund Facts: an improvement for educating investors
The role of wealth management
Retirement planning should be an ongoing process
May
Human nature affects poor buy and sell decisions
Most investment managers fail to beat the market over long term
Why investment clients are firing their financial advisors
Why investment clients are firing their financial advisors
The Ontario Liberals’ new pension idea good, but administratively inefficient
Canadians should be allowed to buy health care in Canada
April
Don’t be fooled by perceived wealth status
Match risk to time when investment funds are needed
Incentives for students to file tax returns
Avoid making short-term decisions with long-term investments
March
Over-managing may destabilize investment foundation
Over-managing may destabilize investment foundation
Don’t wait to plan your retirement income needs
Look for good value when shopping for banking services
Bad investment advice still is all too common in today’s financial world
February
Olympic-win formula can be applied to financial planning
New government regulation takes aim at bitcoin currency
Investors should optimize on wide range of TFSA options
Financial priorities keep changing
January
Alternatives to deferred sales charge
Diversification, long-term investing wins in 2013, not predictions
Sometimes success when investing takes courage
Diversify as bond market is risky to predict
Supreme Court ruling may boost individual investor confidence
2013
June
Celebrating No. 500
Tips from Junior Achievement’s financial literacy program
Choose the appropriate investment structure to reach goals
Senate scandal highlights importance of auditing personal finances
May
Boomerangers and housing values may affect retirement
Actively managed mutual funds continue to disappoint
Baby Boomers – will they outlive their capital?
April
Be proactive at protecting your personal information
Illegal tax sheltering affects all Canadians
Assessing investment risk – what tools to use
Assessing your investment risk
March
Risk adjusted return
Active investment management does not work
A word of caution on historic low housing interest rates
Be successful at managing your family assets
February
Real Estate Price Declines
Research shows another reason for fee transparency
2012
July
Change the relationship with your advisor
June
Summer school: teach your children about finances
May
The perils of making investment predictions
April
Enjoy retirement savings
March
Working into Retirement
Beware of hidden fees from investment advisors
February
Many baby boomers facing retirement risk
Power of Attorney
Coordinate Health and Wealth Efforts
Sign-up to our newsletter
First Name
Last Name
Email
How did you hear about us?
How did you hear about us?
Referral
Google
Social Media (Facebook, Instagram, LinkedIn)
Peter’s articles
Newspaper ad
Tradeshow
Other