The Tax-Free Savings Account (TFSA) is one of the most versatile tools available to Canadians, yet many people aren’t taking full advantage of its potential. Are you?

At our first meeting, the 75-year old widow shifted uncomfortably in her chair. Her unease was palpable as she clutched her son’s hand. And her voice wavered as she asked: “Is it too late for me to make a financial plan?”

One of the most common questions we get is: “Should I pay down my mortgage faster, or invest my extra cash? We often help clients who are grappling with decisions like these. It’s easy enough to run the numbers, but many people get overwhelmed by all the variables.

For busy entrepreneurs, it’s all too easy to put off financial planning until things settle down a little…except that never seems to happen.

Most people know that they should have life insurance.  But with so many types of insurance and levels of coverage available, it’s easy to find yourself over-insured, under-insured, or covered by a

Everyone’s talking about lower investment fees. They make it seem like a no-brainer - pay less, save more, right? Not necessarily.

Tears of joy spring to your eyes as you watch your high school graduate cross the stage and receive that hard-earned diploma. You’re filled with pride and excitement for the journey ahead.

Retirement is an exciting stage of life, but it’s important to make sure your income will be there when you need it. A Registered Pension Plan is intended to provide a predictable income once your working days are over, but is it always the best option to stay in your employer’s plan at retirement?

“We’ve been saving since we were just starting out. But life is so expensive, I’m worried we’ll never have enough to retire!” I could feel the frustration emanating from this

So you’ve made a contribution to your RRSP this year. Great! You should be proud of being proactive with your savings (you’re already doing better than a lot of people). Now, what are you going to do with the tax refund?

I don’t think I’ve ever met anyone as stubborn as my client Jane. Within minutes of arriving at my office for the first time, she stuck out her chin and stared me down defiantly, stating: “I’m just going to tell you right now, I won’t put him in a home.”

Having too little coverage is not something you want to discover when you need it most. Having too much coverage is a waste of your hard-earned money. So, what kind of insurance coverage do you need?

Did you know that annuities are now a top investment option for many people? It has been years since that has been the case. They have always offered a very safe option, but other safe options provided much better returns. Until now.

When something big happens in your life – good or bad – you may not think of your financial planner as one of the people you include. But they should be.

That’s the advantage of having the right insurance and understanding your financial plan: security and confidence. So if something unexpected happens, you already know how to respond and what resources are available.

Most clients who come to me have done well on their own. Often, they come with what they think is a single question. But that one question quickly unearths many other questions—and opportunities.

When it’s sunny, it might feel unnecessary to hire a contractor to hoist themselves up onto your roof to take a look. Why should you do that when the roof has never leaked before? Because being proactive is a LOT easier than being reactive.

You’re entitled to Old Age Security benefits after you turn 65. But if your taxable income reaches a certain threshold, the government will take back some of that benefit. There are several strategies to avoid this.

The fear of not having enough is a valid one. That’s why retirement saving is one of people’s most important financial goals.