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Keep up-to-date with our current happenings
The Choice for Long Term Care Insurance: Is it Worth It?
Dave and Tyler delve into the world of Long Term Care Insurance by discussing the costs, planning, benefits, and more. Subscribe to the Smokin’ Bulls Channel on Youtube for more hot topics every week!
Smokin Topic: Oil, Markets & Alternatives in Alberta, Canada with Greg Bentz
Flow Through Shares and Using Tax Credits for Investment Returns
Federal Budget Recap – Arriving Soon: The FHSA and More…
This year’s federal budget proposed a new tool intended to help support new home buyers. Expected to begin in 2023, the First Home Savings Account (FHSA) is a registered plan that combines the tax benefits of the RRSP and TFSA. The FHSA will allow Canadian residents...
Oh Canada! Reasons To Keep Perspective
This summer marks Canada’s 155th birthday. As the world continues to be out of balance and the financial markets test our resolve, perhaps this is an opportune time to step away from the headlines and focus on the many reasons to be grateful to be in Canada. We are a...
Corporate Basics: Protecting Assets in Business with Greg Bentz
Women & Insurance: Closing the Gender Gap
According to recent statistics, there continues to be a gender gap when it comes to life insurance coverage: men are better protected than women. Consider that in the U.S., 58 percent of men have coverage, whereas only 47 percent of women do, and that gap further...
In Volatile Times: The Continued Case for Dividends
The long-term case for dividend-paying equities continues to be compelling. During volatile markets, such as the times we are experiencing today, dividends can play a role in reducing overall portfolio risk and volatility. Over the longer term, increasing dividend...
Smokin’ Topic: Living in the Metaverse – A Reality within the Virtual World
What do Dave and Tyler think about the Metaverse and its potential effects on our everyday lives? Subscribe to the Smokin’ Bulls Channel on Youtube for more smokin' topics every week!
Macroeconomic Perspectives: Is a Recession Imminent?
With slowing global growth, persistently high inflation rates and as the central banks have taken a more aggressive position to combat inflation by raising interest rates faster than anticipated, the media has been preoccupied with evoking fear that a recession is...
Market Insights in 2022: The Year of the Fed with Dr. James E. Thorne
July Market Insights: The Fed & Its Use of Economic Coercion: This is Not Coin-Flip Policymaking
With new declarations by Chairman Powell that “overall economic activity appears to have picked up,” after its aggressive actions in June to increase interest rates by 75 bps at a time when global economies are slowing, investors may be easily confused. Yet, there may...
At Last…Welcome Back to Travel! Spending Extended Periods Outside of Canada?
After over two years of lockdowns and shutdowns, the opportunity to travel outside of Canada is a liberating experience that many have eagerly awaited. A significant number of people have organized overseas travel this summer. The many snowbirds who were forced to...
Finding Balance Amid Uncertainty
Keeping expectations on an even keel has been a challenge when it comes to the financial markets.In 2022, we have experienced a rapid reversal in both direction and sentiment. With persistently high inflation, and with headwinds from the Ukraine war and...
Investing in the Metaverse Webinar with Mike Stinton and Meghan Chen of Fidelity Investments
Are we truly stepping into the future with the introduction of the Metaverse? Catch Dave and Tyler as they discuss the Metaverse with special guests Mike Stinton and Meghan Chen of Fidelity Investments and its role in our lives, including our working...
Navigating Uncertainty: Don’t Overlook the Value of Staying Invested
Equities continue to be one of the best asset classes in which to grow wealth, but that’s not without market fluctuations. With significant volatility over recent times, it is worthwhile to remember the importance of staying invested. Here are some reasons...
Full Episode: It Pays to Stay Invested!
In this episode, Dave and Tyler provide insights on the big picture of Investment in 2022, Volatilities in the Financial Market, as well as strategies for smoothing out your investment journey.
The Fed: From Tragedy to Rebirth? Just Follow the Path of the Credit Markets
The first half of 2022 has supported the consensus narrative of “tragedy” that has dominated the financial markets. Indeed, the market pullbacks to start the year have been intense. However, a closer look at the credit markets suggests a changing dynamic. The Fed...
Client Training: Appointing an Authorized Representative
Tower Wealth Advisory Client Education Series: Appointing an Authorized Representative Hosted by: Tyler Cockbain, Portfolio Manager - Wellington Altus Private Wealth Guest Speaker: Justin Nekechuk, Licensed Associate - Wellington Altus Private Wealth
Navigating the Fixed Income Landscape Webinar
With increasing interest rates in 2022, how will fixed-income investments manage to have a positive return? Join us in the Tower Wealth Advisory Webinar: "Navigating the Fixed Income Landscape" with guest speaker Jeff Sujitno, Portfolio Manager at Wellington...
Combatting Higher Prices: Finding Ways To Deal With Inflation
Download PDF Version Here As the theme of inflation continues to dominate the financial headlines, investors may be wondering what steps can be taken to combat rising prices. Higher inflation has been more persistent than many expected, largely driven by the anomalies...
Estate Planning: Spring Clean Your Registered Plan Beneficiary Designations
The idea of spring cleaning often connotes a daunting task.However, it doesn’t have to be an all-consuming effort — even when it comes to your estate planning. Consider starting with a review of your registered plan beneficiary designations. When was the last time...
An Added Layer of Protection For Investors: Nominate Your Trusted Contact Person
Download PDF Version Here With a rise in sophisticated cybercrimes and with increasing concerns over the financial well-being of investors, especially as we age, the “trusted contact person” (TCP) has been introduced to help provide an extra layer of protection. The...
The RRIF: Four Things You May Not Know
If you have yet to reach the retirement age, consider the opportunity to think ahead to the time when you will eventually access retirement funds. Here are four things you bout the Registered Retirement Income Fund (RRIF).Download PDF Version Here1. You can convert...
Tax Season is Here: Consider These Ways To Be Tax Savvy
Spring is here again and with it brings personal income tax season. Many of us feel we pay too much tax and there may be actions we can take to help minimize these liabilities. This may be especially important in these times of high inflation. Here are some...
April Market Insights – Detonating a Tactical Financial Nuclear Weapon: A New Financial World Order?
“With proper tactics, nuclear war need not be as destructive as it appears.” — Dr. Henry A. Kissinger The Ukraine/Russia crisis has highlighted a historic moment in the evolution of geopolitical balance. While the humanitarian perspective cannot be overlooked — and...
Time: The Investor’s Great Ally
It has been said that “history is just one damned thing after another.” This may be particularly fitting today. For many of us, there has been little respite from the challenges of the past two years. Looking forward, it seems as though there is no shortage of new...
Navigating Uncertainty: Keeping Perspective During Volatile Times
Recent market volatility has prompted some investors to rethink their perspective on risk. However, reacting to short-term market fluctuations is not usually advised. Instead, we continue to focus on the importance of having a plan in place with a view for the longer...
Video Podcast: Market Insights – 2022: The Year of the Fed with Dr. James “Jim” E. Thorne
For more content on Financial Insights, Investment, Estate Planning and Wealth Management, please visit the Tower Wealth Advisory Youtube Channel: Click here for the Tower Wealth Youtube Channel
Estate Planning & Trusts: Not Just For The Ultra Wealthy
As you review your estate plan, have you considered the use of a trust? As you review your estate plan, have you considered the use of a trust? Trusts are often seen as a tool used by the ultra wealthy. Yet, there may be benefits for individuals with more modest...
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INVESTMENT TACTICS DURING UNCERTAIN TIMES
After a volatile 2023 in the financial markets, one of the by- products has been that some investors feel inclined to take a more conservative investment stance. How can this be achieved? Selling all of your stocks and holding cash equivalents is one extreme...
THE INVESTING ROAD IS A LONG ONE
As we look forward to another year, after the financial market volatility we experienced in 2023, it may take discipline to stay focused on our objectives, but here are three perspectives: 1. Volatility plays a normal role in the markets. Stock market declines are a...
For High-Net-Worth Investors: Life Insurance for Education Planning
For high-net-worth (HNW) investors, life insurance may provide benefits beyond protection, including helping to support the education costs of a child or grandchild. With the ever-growing cost of post-secondary education, many HNW investors are looking for different...
CPP: FOUR THINGS YOU MAY NOT KNOW
The Canada Pension Plan (CPP) has been in the spotlight as the Alberta government proposes creating its own retirement plan. For the answers to some questions about Alberta’s potential divorce from the CPP, see: https://www.cbc.ca/news/business/cpp-app-pension-...
BEYOND ESTATE PLANNING: FOR 2024, UPDATE YOUR FINANCIAL INVENTORY
As we enter a new year, and in this time of resolutions, why not resolve to take stock of your financial inventory? With over $1.8 billion in unclaimed bank accounts across Canada, the amount of assets that have been simply forgotten over time remains astounding.1...
The Challenges of Women and Wealth Accumulation
Are there gender differences that impact the way we accumulate and manage wealth? In the past, studies have suggested that women tended to approach investing with more risk aversion compared to their male counterparts, leading to the formation of more conservative...
IN BRIEF: REASONS FOR DIVERSIFICATION
In many aspects, the economies of Canada and the U.S. share similarities as developed countries ranked among the top 10 economic powers globally. Over the past two years, we’ve both grappled to curb inflation, with central banks’ actions mirroring each other....
Credit Scores: When Was the Last Time You Checked?
It has been said that “there are two things you should never be without: your reputation and your credit rating. You can destroy them both in an instant and spend the rest of your life trying to get them back.” Over the summer, the long-term credit rating of the...
HOW WELL ARE YOU MANAGING YOUR RRSP? AVOID THESE FIVE RRSP PITFALLS
Registered Retirement Savings Plan (RRSP) season is just around the corner. Beyond the importance of growing funds for retirement, avoiding certain practices can help to save tax or create a bigger nest egg for the future. Here are five RRSP pitfalls: 1. Withdrawing...
WISDOM FROM THE WORLD’S GREATEST INVESTORS: SIX INVESTING RESOLUTIONS FOR 2024
As we begin another year, here are six investing resolutions, alongside words of wisdom, from some of the world’s greatest investors: “Sometimes the tide is with us, and sometimes against. But we keep swimming either way.” — Charlie Munger 1. Keep swimming. Warren...
FOR 2024: FOCUS LESS ON THE HEADLINES
It has been 45 years since BusinessWeek declared the “Death of Equities,” warning that rampant inflation was “destroying the stock market” and “to regard the death of equities as a near-permanent condition.”1 These dramatic prognostications haven’t subsided over time,...
LOOKING FORWARD: REFLECTING ON A YEAR THAT HAS PASSED
Need some good news? Things may be better than they seem. Understandably, consumer sentiment has lingered at low levels. We’ve been through a lot lately. We’ve persevered through a pandemic, only to face new challenges on the other side, many of which have come about...
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