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Longer-Term Investing: The Long & Short of It
investing perspectives Longer-Term Investing: The Long & Short of It Renowned investor Warren Buffett is well known for saying, “our favourite holding period is forever — When we own portions of outstanding businesses with outstanding managements, we expect to...
Tax-Saving Opportunities: Shift Income, Split Tax
Do you feel as though you are paying too much tax? A recent study suggests that high-income families pay a disproportionately large share of all Canadian taxes — in fact, the top 20 percent of incomeearning families pay 61.4 percent of the country’s personal income...
2023 Federal Budget with Peter Bowen of Fidelity Canada
Join us for an exclusive interview with Peter Bowen, the VP, Tax Retirement Research at Fidelity Canada, as he gives us an inside look into the 2023 Canadian Federal Budge0t and what it means for individuals and businesses alike. Don't miss this opportunity to gain...
What’s Your Cognitive Life Expectancy?
What is your “cognitive life expectancy?” One study suggests that, on average, brain health declines around 12 years after the age of 65. This means that once we reach an average life expectancy, we are likely to experience cognitive decline. Those over age 85 have a...
Fixed Income — Where to From Here?
After a difficult year in 2022, some investors have been asking: what lies ahead for the fixed-income market? Modern portfolio theory has been built upon the premise that portfolio risk can be reduced through diversification — investing in assets that have low...
Market Insight: April 2023 – Dr. James Thorne, Ph.D., Chief Market Strategist
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...
Be Aware of Evolving Scams
PROTECTING YOUR PERSONAL FINANCES Be Aware of Evolving Scams Financial scams continue to be on the rise and the level of sophistication is growing.1 Phishing attacks, where deceptive messages fool victims into providing sensitive information, are increasingly using...
Investing in “Tax-Smart” Ways
INVESTING IN “TAX-SMART” WAYS Have You Maximized Tax-Advantaged Accounts? We aren’t doing a good job fully maximizing TFSA contributions — even the wealthiest Canadians appear to be overlooking the opportunity! The latest reports suggest that only nine percent of TFSA...
New Year’s Advice for the Younger Generation: It Starts With Saving!
At one time in the not-so-distant past, our society was tuned into saving. We wouldn’t think of buying something until we saved enough cash to pay for it, whether for a car or other consumer goods. Only for the rare, big-ticket item, such as a home, would we go into...
When Was the Last Time You Reviewed Your Will?
Over the years, the statistics haven’t changed much: the majority of people still do not have a Will and, for those who do, it may be outdated. When was the last time you read through your Will? Why not make your Will a priority in 2023. If you haven’t yet drafted a...
March Market Insights: Fire and Ice – The Fight Between Inflation and Deflation
“Some say the world will end in fire, some say ice. From what I’ve tasted of desire, I hold with those who favor fire. But if it had to perish twice, I think I know enough of hate to know that for destruction, ice is also great and would suffice.¹”What’s a More...
Deferring OAS Benefits: What’s the Break-Even Age?
Many high-net-worth investors do not require income from Old Age Security (OAS) benefits, thus having the option to defer the start of payments. While the decision of when to take OAS benefits depends on many factors, including your income requirements, health status,...
A Silver Lining to Inflation? Adjustments to the TFSA & CPP Make a Difference
If there is any good news that can come with high inflation rates, it may be the resulting cost-of-living adjustment. Each year, certain personal income tax and benefit amounts are indexed to inflation using consumer price index (CPI) data. With inflation reaching...
Rising Interest Rates: What to Expect in 2023
2022 will go down in the record books as an abnormal year for the financial markets. As inflation reached 40-year highs, it caught the central banks by surprise and led to a rapid tightening of monetary policy through interest rate increases. What has made this...
February Market Insights: Apocalypse Delayed – The U.S. Debt-Ceiling Debate
“It’s never paid to bet against America.” — Warren BuffettWhat if the US Government Defaults on its Debt? If the U.S. was to default on its debt obligations, it would cause investors to flee from U.S. Treasuries, leading to a decrease in confidence in U.S. government...
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....
Common Retirement Planning Pitfalls
“Plan on Living Past Your Life Expectancy” — this is the headline of a recent article in the Wall Street Journal that suggests that many of us will live longer than we expect.1 As advisors, we do our best to prepare our clients for retirement and beyond, and one of...
The RRSP & RRIF: Be Aware of Taxable Withdrawals
The market volatility in 2022 put many asset values under pressure. Yet, markets are cyclical and we expect prices to eventually resume their climb in the same way as the cycle swings back to more optimism. As such, consider the implications of making taxable...
To Start a New Year: In Need of a Bit More Happiness?
A recent article in the Wall Street Journal suggests that we may all be in need of a bit more happiness.¹ It pointed to the “Misery Index,” which has climbed to double digits in recent times. This may not come as a surprise. We’ve been through a lot lately: a...
Three Reminders to Start Another Year
After a difficult year, and as we look to the year ahead, here are three reminders to help keep perspective. Volatility: Likely to persist Periods of greater volatility tend to coincide with market drawdowns and 2022 was no exception (chart).* In 2023, we expect...
For 2023: Look Forward, Not Back
Most people, investors or not, tend to base their current views on what is most recent in memory. In good times, we may expect them to continue for the foreseeable future; in bad times, we often underestimate our ability to move forward. We all tend to “drive by the...
The 2023 Market Forecast – The Pause that Refreshes
“All models are wrong. Some models are useful.” — George E. P. Box, statistician “Patience is a form of wisdom,” notes Jon Kabat-Zinn, creator of the Stress Reduction Clinic and the Center for Mindfulness in Medicine at the University of Massachusetts Medical School....
Estate Planning: Helping Preserve Family Harmony
We can often have very unique visions for our legacy. For some, it may be to support the next generation to gain skills or to carry on a family business; others may have more philanthropic goals, such as supporting a cause they believe in. However, in many cases, a...
Managing your Fixed Income in this Inflationary Environment
With bonds being as volatile as stocks, how can you manage your fixed income in this economic environment? Dave and Tyler sit with Sandy Liang, Head of Fixed Income and Lead Portfolio Manager at Purpose Investments, as he talks about the current state of the...
Is Now A Good Time to Consider an Annuity?
Given increasing longevity and as equity markets continue to go through a rough patch, some investors have asked whether there is value in revisiting the opportunity for an annuity as a component of a retirement income strategy. In general, the best time to purchase...
November Market Insights: Trump, Gridlock And What It Means For Investors In 2023
Steve Jobs once said, “You can’t connect the dots looking forward; you can only connect them looking backward. So, you have to trust that the dots will somehow connect in your future. You have to trust in something – your gut, life, destiny, karma, whatever. This...
Coping With Volatility
The summer did not see much respite from the volatility that has gripped the financial markets. The bearish commentators continue to evoke fears that the aggressive moves by the central banks in raising interest rates will inevitably push economies into recession. It...
Dr. James Thorne’s Global Market Insights | Center of Influence 2022 Event
What does the future of the global economy hold? With inflation at historical levels and rates keeping on rising, what can we do to abate this economic crisis? Dr. James Thorne, Chief Marketing Strategist at Wellington-Altus Private Wealth, joins us in this year's...
Six Reasons Why: A Business Owner/High Net-Worth Individual Should Look at Life Insurance – Part 2
How can business owners & high net worth individuals use insurance to manage their wealth and other problems? Dave and Tyler are joined again by special guest Neeraj Pardeshi of PPI in the second part of this two-part webinar to elaborate on the potential benefits...
Why Private Equity Can Be a Great Addition and Compliment to Your Portfolio
Dave and Tyler sit down with Daniel Cohen, Director of Private Equity at Fiera Comox Partners to discuss how investing in private equity can help your portfolio. Private equity is the largest alternative asset class, with over $6 trillion in assets under management as...
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Higher Rates for Longer?
Mortgage Debt & the Great Renewal It has been termed ‘the great renewal’: A significant number of Canadian mortgages are coming up for renewal. By one account, around 2.2 million mortgages, or 45 percent of all outstanding mortgages, are set to face higher...
Your Questions Answered
Year-End Planning & An Increased Inclusion Rate With the (proposed*) increase to the capital gains inclusion rate in 2024, there have been various questions from investors about tax planning. Here are two that relate to year-end planning. 1. What is the Capital...
Critical Illness Insurance – Executive Health Plan | Smokin’ Bulls Podcast
Join us in this Smokin' Bulls episode as Lori Hartery from Desjardins Financial Insurance discusses the Executive Health Plan—a powerful strategy designed to protect corporations while offering significant tax savings for business owners. Whether you’re a small or...
My/Our Difference During Uncertain Times
Access to Alternative Investments In the current environment of higher valuations, slower growth and increased volatility, there’s been renewed attention to alternative investments. Alternatives are often given focus during more challenging times since their...
Current Events: Four Perspectives on the U.S. Election & Investing
Politics and money are never far apart. Election years frequently bring about questions surrounding changes to public policies, potential regulatory shifts and the ensuing effects on the markets and economy. This year’s U.S. election has been no exception, with...
VOLATILITY: A COMMON FEATURE OF THE MARKETS
Even the Good Years Have Down Times While many aspects of investing in the equity markets may seem unpredictable, one constant remains: volatility. Just how common are market fluctuations? Even in years when the S&P/TSX Composite Index has performed well, we...
Half Full or Half Empty?
Half Full or Half Empty? How do you view the glass — half full or half empty? This question aptly captures the dual nature of sentiment today. On one hand, our standard of living is among the highest in history, fuelled by technological advances, improved quality of...
Navigating the Journey: Seven Investing Pitfalls
“It’s good to learn from your mistakes. It’s better to learn from other people’s mistakes.” — Warren Buffett While we can learn much about successful investing by studying the best investors, there may be valuable lessons learned by examining our mistakes. The CFA...
Perspectives on Retirement Saving & Spending
“Chances are you will be the happiest you have beensince you were a teenager.” According to an article in the popular press, this is what many of us can anticipate in retirement.1 If you’re retired, perhaps you concur. If retirement is still on the horizon, the...
SUMMER BRINGS HOME-BUYING SEASON
FHSA or HBP: Reasons to Prioritize the FHSA As a result of the federal budget increasing the withdrawal amount for the Home Buyer’s Plan (HBP), some clients have asked which plan is better for younger family members: the First-Home Savings Account (FHSA) or the HBP,...
Cultivating Financial Habits From a Young Age
“The best way to teach your kids about taxes is by eating 30 percent of their ice cream.” — Bill Murray, Comedian While repeated in jest, this witty remark highlights an important truth: teaching children about financial responsibilities early on can have lasting...
A BRIEF LOOK AT INDICES
Does the Dow Matter? What’s in an Index The Dow Jones Industrial Average (DJIA or Dow) is one of the most widely watched stock market indices and the second oldest in the world. Created in 1896 by Charles Dow, then-editor of the Wall Street Journal, it originally...
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