Learn more about wealth management as Melany Goodhue, financial advisor and founder of Pulse Wealth Management, shares financial advice, industry news, and other valuable insights to help you build your wealth.

HOW TO MAKE THE MOST OUT OF YOUR TFSA

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?

FINANCIAL PLANNING ESSENTIALS FOR SENIORS

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?”

PAY DOWN MORTGAGE OR INVEST: WHAT’S BEST FOR YOU?

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.

FINDING FINANCIAL CLARITY WHEN YOU’RE SELF-EMPLOYED

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.

LIFE INSURANCE MYTHS VS. REALITY

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

STRATEGIES FOR FIRST-TIME HOMEBUYERS

For many aspiring homeowners, today’s real estate market seems out of reach. What will it take to turn the dream into a reality?

WILL LOWER FEES REALLY SAVE YOU MONEY?

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

MANAGING THE HIGH COST OF POSTSECONDARY EDUCATION

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.

OPTIONS FOR PROTECTING YOUR RETIREMENT INCOME

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?

DO YOU KNOW WHAT RETIREMENT LOOKS LIKE FOR YOU?

“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

WHAT SHOULD YOU DO WITH YOUR TAX REFUND?

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?

REAL ESTATE ISN'T AS STRAIGHT FORWARD AS IT USED TO BE

It used to be that you saved up until you had enough for a down payment on a nice starter home. Then you would live in said starter home until you built up some decent equity and your home’s value increased.

DO YOU NEED LONG TERM CARE?

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.”

WHAT KIND OF INSURANCE SHOULD YOU HAVE?

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?

THE COMEBACK OF ANNUITIES

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.

IS YOUR FINANCIAL PLANNER PART OF YOUR BIG LIFE MOMENTS?

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.

DO YOU FEEL FINANCIALLY SECURE?

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.

THE IMPORTANCE OF HAVING A TRUSTED FINANCIAL CARE PARTNER

At the first meeting I had with a client of mine, she brought her daughter. I was surprised because Sue hadn’t indicated that her daughter would be present.

INCREASED WEALTH WITHOUT NEW MONEY

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.

THE TIME TO REPAIR THE ROOF IS WHEN THE SUN IS SHINING

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.

HOW TO MINIMIZE YOUR OLD AGE SECURITY CLAWBACK

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.

Underspending in Retirement

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

The Surprising Truth About Your Goals

No one knows you better than you know yourself, right? Well… maybe not. Sometimes we don’t know ourselves that well after all. That’s why we may need a little nudge when it comes to defining our goals, especially financial ones.

CAPITAL GAINS TAX

A family cottage is a place to create memories. Sunny days spent lounging on the dock. Late afternoon naps in the hammock. Kids shrieking behind a boat as the tube hits the wake. Roasting marshmallows at the firepit.

HOW TO RIDE OUT MARKET VOLATILITY

They say that marriage is hard work. Well, so is investing – and for many of the same reasons! Staying “married” to your long-term financial goals can be difficult in the face of market volatility. But staying in it for the long haul is worth it.

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