2020 Progress ReportThese actions are listed in order of importance....
In my communication with clients who do not follow through on advice I have given them, they usually apologise and give an excuse for their inertia. What I have started to reply is something along these lines: Don’t apologise to me, it’s yourself you are hurting. Good...
One of the lesser known tax credits is the disability tax credit(DTC). If a person has difficulty with at least one of the basic activities of daily living such as speaking, hearing, seeing, eating, walking, dressing, bladder functions, or mental functions to the...
I know it has been a good few weeks but thank you to those who replied to my question: Is financial planning easier or more difficult than 20 years ago? No one said it was easier although we certainly have more tools to make it so. Here in order of importance are the...
In today’s local economy there is a disturbing employment trend that I have a very good vantage point to observe, because my clients are from all walks of life. It is the difficulty of remaining employed, especially if a wage earner is in the private sector and middle...
The principles of financial planning will apply differently to each investor’s situation. Here is an example: It is often quoted in mainstream media that a TFSA is better than an RRSP. However, that statement is far too general to have any meaning....
Last week the Bank of Canada raised their overnight interest rate to 1.75%, an increase of .25%. Several of the big banks immediately followed suit. Borrowing costs will likely increase, for example on variable rate mortgages and lines of credit. What prompted me to...
You may or may not have noticed that interest rates have been consistently in the news for quite a while. A client suggested I do a blog post on whether we should care about that topic. The answer is if you are a borrower, or a saver/investor interest rates will...
Here are some quick afterthoughts from the tax season. Being well organized will ensure the task of doing your return is painless and quick. Another plus of being organized is that you will be able to take advantage of all of the claims you are allowed. Start... 
