Afraid You’ll Outlive Your Funds? The Four Percent Rule Revisited

How much can I spend in retirement so that I don’t outlast my money? This is one of the more common questions we hear as we help clients to plan ahead. 

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Retire Up to 30 Percent Wealthier: Why Not More? 

You may have heard an oft-repeated advertisement in the media today that suggests that by reducing investment management fees, you have the potential to retire up to 30 percent wealthier. While few would choose to forego this amount down the road, it may be worthwhile to take a deeper look at these claims. 

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Responsible Investing: Four Reasons to Consider ESG Investing

Responsible Investing (RI) is quickly growing to become a standard. With accelerating commitments by policymakers and business leaders to address environmental, social and governance (ESG) issues, RI has gained a greater focus in the investing world. Increasingly, investors are prioritizing ESG factors into their investment objectives. Have you integrated ESG factors into your own investing? Here are four considerations...

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Estate Planning: Having End-of-Life Discussions with Loved Ones

It is understandable that many of us prefer to avoid the subject of end-of-life planning, or at least try to put it off until the last moment. Yet, the pandemic should remind us of the importance of these discussions.   

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Talking to Adult Children: The Hot Housing Market 

For those of us who can remember, the average cost of a Canadian home was around $164,000 when we started the millennium.1 In just over 20 years, this has risen to around $716,000 — and, what you get for that price can vary depending upon your location.

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Tax Planning: A Spousal Rollover May Not Always Make Sense

In married or common-law partnerships, using a spousal rollover1 has become a conventional strategy for many estate plans. Under a spousal rollover, any associated capital gains on certain capital property or registered plan income that transfers to a surviving spouse will be deferred until the spouse disposes of, or is deemed to have disposed of, those assets or withdraws them (in the case of registered plans).  

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Estate Planning: Preparing for a Wealth Transfer

With over one trillion dollars of inheritances expected to be passed along over the next decade, taking action to preserve wealth across generations has never been more important.1 Does your estate plan protect this wealth transfer? Here are some considerations: 

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Stock Market Returns: Never a Constant

During buoyant market times, it may be easy to forget that advances in the equity markets often do not happen at a constant rate.

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In Short: The 2021 Federal Budget — How It May Affect You

In April, the federal government released its first federal budget in two years. Perhaps most notably, the federal government expects to continue its significant spending — over $101 billion for the next three years — to support strong economic recovery in the fight against Covid-19. It extended various emergency benefits, resulting in a record deficit and significantly higher projected debt for the foreseeable future.  

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Cutting Through the Noise

Noise, according to Nobel-prize winning economist Daniel Kahneman, is the unwanted variability that can cloud judgment and impact decision making. We can make different decisions when influenced by noise, such as when we are upset, tired or hungry compared to calm, rested or well-fed. Kahneman shows how doctors give drastically different diagnoses to identical patients as a result of this noise. Most of the time, we are unaware of the noise and neglect it. Yet, by reducing it we can make better decisions.

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The Short & the Long of It: GME & the Problem of Wealth Inequality

The rise and fall of GameStop (GME) shares captured the headlines in January. While it exposed the dangers of options trading, it highlighted a more endemic issue: the growing problem of wealth inequality.

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Food for Thought: The Rising Canadian Dollar

Over the past year, the Canadian dollar (CAD) has been gradually appreciating in value, rising by 15 percent after it fell to a low of 0.69 USD in March 2020. What’s driving the loonie’s flight?

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Beyond Buoyant Market Times: Why Advice Matters

The financial markets hit all-time highs to start the year, despite what has been happening on the ground. While investing during bull market times may appear to be a winning strategy, longer-term investors should not forget that markets are cyclical in nature.

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How Much Do You Need to Retire?

Worried about retirement? Specifically, about the cost of retirement and whether you will have enough money? If so, you’re not alone. According to recent surveys, more than half of Canadians are concerned about their retirement savings and the pandemic has only made this situation worse.

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Investing Reminders: Diversification is Important

No matter how you invest, certain principles are important to maintain the boundaries of risk exposure and the return of your portfolio. Diversification is one of these principles.

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The Rise of Cryptocurrencies: Will Bitcoin Become the Next Gold?

As bitcoin continues to hit record highs, it has garnered much attention and fueled an ongoing debate: Is bitcoin the next gold? The current economic environment has helped to support

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