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.

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.

WHAT HAPPENS IF YOUR BANK FAILS?

When you put your money into a bank account, you trust that it will be there when you need it. But what if it wasn’t?

IS IT TOO LATE?

The man in front of me looked at me like I had four heads. “I am 52 years old; I just don’t see how this could work.” He was absolutely adamant, but then he paused. And in that pause, you could almost feel the tiniest bit of hope creep in. “… right?”

WHY MORE ISN’T ALWAYS BETTER

During the initial phases of the PULSE process with a client, I remember staring in confusion at the numbers she provided me for her income...

EXCITING TAX CHANGES IN 2023

“Tax news” doesn’t exactly sound like something you’d be excited to read about. But you should be. (Or at the very least, your Certified Financial Planner ® should be excited to tell you about it!)

WHEN DOES A BAD FINANCIAL DECISION MAKE SENSE?

Have you ever held back on something because it would “cost” too much? Because you couldn’t justify it, financially?

WHY FINANCIAL PLANNING MAKES SPONENAITY POSSIBLE

It only took 8 days after Cindy called. A 40-minute phone call, and 8 days later we were in Costa Rica. In just over a week after one phone call, I was walking

ARE YOUR ASSETS SAFE AFTER YOU DIE?

If you have a Will, you expect that it will be followed. If you designate your RRSP to your surviving spouse, for example, you expect them to receive it.

Should You Get a Prenup?

Whether you are engaged or already married, you should have a prenuptial agreement (or a marriage contract if you’ve already tied the knot). Yes, even if you don’t have vast sums of wealth or assets. The reason why might surprise you.

Financially Preparing for Divorce

Divorce is hard – there is no question about that. Separating two lives from each other comes with its own unique financial challenges. But you can take steps to make the process easier on yourself.

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