Don’t Use Your Debit Card

Don’t Use Your Debit Card

With Christmas around the corner it is sometimes easier to stay on budget if you use cash to pay for purchases.  When I mention cash I am referring to the use of debit cards, which takes the money from your bank account immediately upon a purchase being made.  Debit...
Market Movements

Market Movements

In the past few weeks we have seen an uptick in notable newsworthy events and corresponding movement from the stock market (AKA volatility).  Sometimes we get calls from clients after certain market events have made the headlines asking our thoughts on these events. ...
C.P.P.  To Receive Now or Not to Receive

C.P.P. To Receive Now or Not to Receive

Often we are asked should I apply for early CPP or wait until 65 or later. This is a common question and deceptively tricky to answer.  There are many variables to consider such as current income, future retirement income, work pensions, current health, future health,...
Retirement; is it even possible for you?

Retirement; is it even possible for you?

Well summer has finally arrived along with the nice weather.  You may be planning what to do on the family vacation. It seems like Canadians spend more time planning their vacations than their retirement.  It has been reported that household debt levels are higher...
Spring has Sprung: Here we Grow Again

Spring has Sprung: Here we Grow Again

As of June 3rd I have taken on a full time business partner.  You may be asking how this will impact you personally.  I will continue to be your personal Investment Advisor.  Over the next year I will be introducing Daniel J. Fearon, Investment Advisor with...
Spring has Sprung: Time for Cleaning up Your Finances Part 2

Spring has Sprung: Time for Cleaning up Your Finances Part 2

Last month we discussed getting your Will and Powers of Attorney done. Besides those documents you may want to review your work plans and other registered accounts to make sure you have named a Beneficiary where ever possible. I have seen many clients bring in...