When financial planning - taxes become a very important piece of the puzzle in many different times in our lives. It is often best to start with the basics before we can go in to strategizing. This wa...

In Canada we have two major tax incentivized accounts to save in.The Registered Retirement Savings Plan (RRSP) - A savings plan that allows you to deduct contributions from your income tax and have ta...

 We sometime take for granted the simple access we have to great tools. Here are some useful calculators we use... Financial Needs Analysis        &nb...

When financial planning - taxes become a very important piece of the puzzle in many different times in our lives. It is often best to start with the basics before we can go in to strategizing. This wa...

Last week I had the opportunity to sit and listen to a presentation at our head office by Norm Lamarche.Norm Lamarche is a veteran investor who has made a name for himself over years by bringing treme...

A very common question - "I have heard that RRSP's arent doing well, should I do something else?"I often find people are not fully aware of what they are investing in (end all asset) with their RRSP a...

May we offer our sincere wishes to you and your family for a healthy, safe and prosperous 2013.Speaking of prosperity, allow us to start with positive news...the Organization for Economic Co-operatio...

It is interesting how herd investing and recency bias works. People often make poor investment decisions because they "Follow the Herd" and do what everyone else is doing and most people think what ha...

I had the privledge the other day to have breakfast with vetran fixed income investor Dan Bastasic. Dan has recently moved to IA Clarington from Mackenzie Financial. He now manages a corporate bond, e...

To see the rates of all GIC providers in Canada click on the image belowSource: canoemoney.caDid you know you can often earn a higher rate of return and get added benefits by purchasing a GIC from a L...

Sprott Asset Management has a history of outperformance, and cutivating leading investment managers.I had the privilege last week to sit at our boardroom table in Toronto over a coffee with Scott Colb...

A lot of investors are worried these days and rightfully so, there is a lot of uncertaintly in the world right now. Whats interesting is that there has always been uncertainty and reasons why "not to...

Our Paid to Wait Strategy consists of owning a broadly diversified portfolio of select sovereign bonds, corporate bonds (investment grade and high yield), real estate investment trusts (REITs), divide...

Alot of people lose a lot of money investing. Many times the reason is because they let Mr. Market take advantage of them...This story was written by father of value investing Benjamin Graham in his c...

Stock Market volatility and low interest rates stressing out your retirement income? Guaranteed Variable Annuities provide a guaranteed floor of growth (prior to withdrawals) of 5% per year, and a gua...

Mutual funds get alot of flack, and dont get me wrong they should there is a lot of terrible funds out there...But dont kid yourself, there is also great money managers out there who can do a far bett...

An important thing to understand about RRSP‘s is the concept of Tax Deferral. What does this mean?Tax Deferral–This simply means that you will not have to pay tax on the money that your money make...

Check out these great useful calculators that will help you understand and get organized with your financial affairs. Send us a message if you would like help using or understanding one. Financia...

Alot of people arent totally aware of how the RRSP tax refund works, so I am going to do my best to explain it to you. I think it is important that people understand the pros and cons of RRSP`s and wh...

I am constantly explaining a common misunderstanding to people. They are not aware of their freedom with their RRSP's and TFSA's.Let me explain...What most people think is that these are accounts that...