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September Market Insights: The Fed’s High-Wire Act
Discretion is the Better Part of Valour “We are navigating by the stars under cloudy skies.” – Chairman Jerome H. Powell, August 25, 2023 Download this PDF here. The adage, “Discretion is the better part of valour,” has never been more pertinent as the U.S. Federal...
Welcome to the Age of Artificial Intelligence
In the summer of 2022, technology pioneer Bill Gates met with the team that developed the algorithm ChatGPT and left them with a challenge: “Train an artificial intelligence to pass an Advanced Placement biology exam...if you can do that, you’ll have made a true...
Maximize Your Exemption: Thinking Ahead to the Sale of Your Property (IES)
It is the summer — one of the busiest seasons for residential home sales. For many of us, our home is one of our most valuable assets. With many investors now owning multiple properties, thinking ahead to their eventual disposition may be worthwhile. As a reminder,...
August Market Insights: Unveiling The Crystal Ball
A Glimpse Into The Future Of Financial Markets From 2024 To 2030 Download this PDF here. In early 2021, I presented a thesis regarding the latest inflation episode and its potential economic implications. At that time, I shared a perspective that differed from the...
Intergenerational Wealth Planning: In Praise of the Summer Job
Remember the days of old, when the summer job was a rite of passage? Those of us who preceded the digital era may connect with an article in the popular press that reminisces on this bygone era: “newspaper delivery was the first rung on many an economic ladder....
The Fed Pause: Are We Near the End of the Rate Cycle?
If talk of interest rate increases has seemed unending, you’re not mistaken: we are in one of the most aggressive tightening cycles in 40 years. In May, the U.S. Federal Reserve raised rates for the 10th consecutive time in its fight to bring down inflation. In less...
Wall Street Is About To Embrace Crypto, And It’s Not What You Think!
A New Era Is Upon UsDownload this PDF here.“Nothing is more powerful than an idea whose time has come.” – Victor HugoThere is an old saying, “never let a good crisis go to waste.” And true to form, Wall Street is capitalizing on the current chaos within...
The Future Looks Bright, Indeed!
It has been said that millennials — those born from 1980 to 1994 — were the first generation worse off than their parents financially. Skyrocketing housing prices, a higher cost of education and a challenging economy, among others, were to blame. And while things...
Unveiling the Secrets of Real Estate Investments with Greg Romundt
In this episode, we sit down with Greg Romundt, the visionary CEO and President of Centurion Asset Management. Get ready to explore the world of real estate investments as Greg takes us on a journey through Centurion's remarkable success. Centurion Apartment Real...
Land Lease Financing for Farmers with Andrea Gruza
In this episode, we talk about land lease financing for farmers. We have the privilege of interviewing Andrea Gruza, the brilliant Managing Partner of Bonnefield Financial—a Canadian finance company with a remarkable mission. Since 2009, Bonnefield has been creating...
June Market Insights: Is AI The Next Goldrush?
Terminator vs. R2-D2Download this PDF here.Hollywood and Artificial Intelligence (AI): The Emotional Scars Are With Us TodayIn the movie Terminator, a dystopian society is under attack by artificially intelligent robots that are hell bent on the...
Personal Finance: Surviving Difficult Economic Times
Regardless of the differing views — whether there will be a “hard,” “soft” or “no landing” at all — we have entered a more challenging economic period. While we will never be able to control the timing of an economic slowdown, what we can control is how we prepare for...
Personal Income Tax Season is Here
Personal income tax season is here Are You Doing All You Can to Save Tax? It is personal income tax season, a time when many of us are focused on keeping as much of our hard-earned dollars as possible. As we deal with receipts and returns, it may be a good reminder...
May Market Insights: The FTX Fiasco Has Nothing To Do With Blockchain Adoption.
Huckleberry Finn Is Not Tom Sawyer. Download this PDF here. “Corruption, embezzlement, fraud, these are all characteristics which exist everywhere.” — Alan Greenspan When one thinks of blockchain, one quickly thinks of Bitcoin, NFTs, and cryptocurrencies. Just as so...
Change is the Only Constant: SPRING 2023
“A new technology bids to transform the human cognitive process...redefine human knowledge, accelerate changes in the fabric of our reality and reorganize society.” These are the words of Henry Kissinger on the age of artificial intelligence (AI) and the potential...
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...
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Biggest Economic Shift in 50 Years Dr. James Thorne’s Bold Predictions for 2025 | Smoking Bulls Podcast
🌎 The Biggest Economic Shift in 50 Years! 📈 In this compelling episode of Smoking Bulls, we dive deep into the unprecedented economic and political pivots reshaping the global landscape with Dr. Jim Thorne, Chief Market Strategist at Wellington Altus. From U.S. energy...
A New Year Check-In
Has Your (Or Your Family’s) Health Status Changed? As we enter a new year, if your or a family member’s health status has recently changed, it may be an opportune time to explore whether this could unlock access to valuable financial support. Many people are unaware...
SEEKING INCOME-SPLITTING OPPORTUNITIES?
RRSP Season: Don’t Overlook the Spousal RRSP It’s RRSP season once again! Over the decades, the federal government has eliminated many income-splitting opportunities available to taxpayers. However, if you have a spouse/common-law partner, don’t overlook the spousal...
Prorogation Purgatory: What Parliament’s Shutdown Means for Proposed Tax Changes
Download this PDF here. On January 6, 2025, Prime Minister Justin Trudeau resigned, effective upon selection of a new leader of the Liberal Party of Canada, and requested that Parliament be prorogued. The Governor General consented to the request, terminating all...
NEED IDEAS ON WHERE TO START?
Your New Year’s Financial Checklist The beginning of a new year is an opportune time to revisit certain aspects of your wealth management. If you don’t know where to start, here are a handful of ideas. For more information, please call the office. Contribute to the...
Canoe Defensive Questions with Nicolas Papageorgiou | Smoking Bulls Podcast
Learn the secrets to mitigating investment risks while staying fully invested in the market! In this episode of the Smoking Bulls Podcast, we’re joined by Nicolas Papageorgiou, a seasoned portfolio manager at Canoe Financial, and Wayne Myers, District Vice President...
SURPRISING TFSA STATISTICS
Are You Overlooking the Tax-Free Opportunity? There are few “gifts” that the government gives us, and the Tax-Free Savings Account (TFSA) is one of them. The opportunity to invest and grow funds on a tax-free basis over a lifetime should not be overlooked. Yet, the...
2024 Fall Economic Statement
Download this article as a PDF. On December 16, 2024, amid a tumultuous day at Parliament Hill, the Federal Government released its heavily delayed 2024 Fall Economic Statement (FES 2024). Earlier that day, Chrystia Freeland resigned as Deputy Prime Minister and...
FINAL MONTHS OF THE YEAR
The FHSA Carryforward Rules & More... The final months of the calendar year are a time when tax strategies are often top of mind. As a reminder, the tax rules allow you to carry forward certain tax credits or deductions not used in the current year. Be aware that...
IT’S BACK-TO-SCHOOL TIME…
The RESP: Would You Turn Down “Free Money”? There are many reasons to consider a Registered Education Savings Plan (RESP) to save for a child’s future education: tax-deferred growth within the plan, earnings taxed at the child’s tax rate when eventually withdrawn and,...
Estate Planning: Worried About Beneficiaries?
Though the pandemic may now feel like a distant memory, it did bring about some positive changes. One notable outcome was that many clients began to take a closer look at their estate planning .In doing so, some discovered that they were concerned beneficiaries might...
A Primer on Structured Notes
A Primer on Structured Notes With the return of equity market volatility and the high concentration among a handful of mega-cap names, alongside volatile bond markets as central banks have raised and lowered interest rates, there has been significant interest in...
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