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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...
A Rising Rate Environment: Five Reasons for Investors to Keep Perspective
Five Reasons for Investors to Keep Perspective As we move forward towards a return to “normal” from the pandemic, the central banks will be raising rates to more “normal” levels. For many months, the media has been hyping concerns over rising interest rates. As...
Human Emotion and Investing
How Cognitive Bias Can Affect Investing Why do investors sometimes fall into the trap of buying high or selling low? Why do many of us procrastinate in saving for retirement, despite knowing its importance? Behavioural economists have shown that cognitive biases can...
Estate Planning Law: Ontario Residents — Changes Are Forthcoming
As always, change is imminent! Ontario will be seeing some notable changes to estate planning law starting in 2022, as a result of Bill 245 receiving royal assent in 2021.* When was the last time you reviewed your estate plan? While many of these changes may not...
Trez Capital Webinar – Outlook for US Real Estate
Trez Capital provides short-term loans to large developers throughout North America with a large focus on residential development. The focus areas for Trez are states with low to no state taxes that are growth-friendly and business-friendly. These states continue to...
Finding Income in a Low-Rate Environment
How do we help our clients prepare for income in retirement? In today’s low-rate environment, this continues to be a challenge. Thirty years ago, we could easily have expected to achieve annual income of seven percent on a laddered government bond portfolio. For...
The Timeless Wisdom of Warren Buffett
We may all benefit from some investing perspective as we enter into 2022. Who better to draw on for that wisdom than one of the most successful investors of our time, Warren Buffett. Many of Buffett’s messages are timeless. Download PDF Version Here In fact, a more...
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WHAT’S BEHIND OUR INCREASING EXPENDITURES?
Three Perspectives on Our Higher Cost of Living With higher inflation, the increasing cost of living has been top of mind for many Canadians. While there has been good news on the inflation front given continuing signs of easing, here are three perspectives on our...
Live Long & Prosper: Better Health, Better Wealth
Many of us remember the classic Star Trek mantra ‘live long and prosper,’ which may be worth reflection as we enter the leisurely summer months. The keys to a longer and more prosperous life are often rooted in fundamentals that include both health and wealth. Better...
Dow at One Million?
When the Dow Jones Industrial Average (Dow) crossed a new high of 40,000 in May, it achieved a milestone that appeared implausible given recent popular sentiment. Just two years earlier, central banks were still on the path of aggressively hiking rates to curb...
Increasing Capital Gains Inclusion Rate: Planning for the Cottage or Cabin
Welcome to the summer — and the return of cottage and cabin season! While many of us are eager for some rest and relaxation, cottage and cabin owners may face new concerns due to increases to the capital gains inclusion rate. Looking ahead to when the property is...
INCREASES TO THE CAPITAL GAINS INCLUSION RATE
To Defer or Not to Defer: Realizing Capital Gains The proposed* increases to the capital gains inclusion rate have prompted some investors to ask the tax-planning question: To defer, or not to defer? Tax deferral is commonly viewed as a way for investors to create...
The Power of Economic Sentiment
“Have we all just become economic snowflakes?”1 This question emerged from a recent study analyzing the text of 200 million newspapers spanning almost two centuries. It concluded that both economic and non-economic sentiment have substantially declined over the past...
FACTORS IMPACTING THE CPP TIMING DECISION: More Perspectives on When To Start CPP Benefits
When it comes to the decision of when to start Canada Pension Plan (CPP) benefits, actuarial studies show that many are better off delaying benefits since the break-even age* commonly falls below our average life expectancy. Living beyond the break-even age means that...
Your Digital Footprint: Don’t Overlook Its Value
In estate planning, many of us tend to focus on assets with tangible value, such as investments and real estate. Yet, frequently disregarded are many digital assets due to their perceived lack of monetary value. However, a Wall Street Journal article reminds us that...
Unlocking High Net-Worth Financial Solutions with National Bank’s Private Banking 1859
https://youtu.be/sTnE3gmF2E4 Discover the exclusive world of National Bank's Private Banking 1859. In this episode of Small Convos, we dive into the services and benefits of private banking, tailored for high net-worth individuals. Learn from Senior Private Banker...
BE AWARE OF NEW REPORTING RULES: Are You Associated With a “Bare Trust” Arrangement?
Are you a legal owner of an asset where someone else is a beneficial owner and has a beneficial interest and oversight of the asset? I f so, you may be holding a “bare trust” and have a filing requirement where you previously did not. Here are some examples where a...
Thinking Beyond Retirement: A Higher Purpose
It has been said that “if you are what you do, when you don’t … you aren’t.” As you think ahead, have you contemplated a plan for what you will do in retirement? Many of us plan by working hard, saving consistently and investing for the future to ensure a financially...
Have U.S. Equities Become Overvalued?
With the rapid rise in the “Magnificent 7” stocks to start the year, there has been renewed discussion over whether U.S. stocks are becoming overvalued. What has been driving these returns? Stock prices are driven by a variety of factors. In a perfectly efficient...
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