Market data

What is Responsible Investing?

Thursday, November 16, 2017

Responsible investing (also known as ethical investing and socially responsible investing) is growing in popularity as more investors are seeking to align their portfolios with their values. Responsible investment incorporates environmental, social and governance (ESG) factors into the investment selection process to help manage exposure to risk and opportunities that are not captured by traditional financial analysis. This includes the following:
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Currency Impact on Portfolios

Tuesday, October 24, 2017

Over the last 5 months, the Canadian dollar has risen substantially versus the US dollar (an approximate 13% increase). This is good news for shopping across the line, but bad news for the US dollar exposure within our portfolios. Global investment opportunities complement your existing Canadian investments, pension entitlements or real estate...
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Have You Registered For B.C. PharmaCare?

Thursday, September 14, 2017

We are fortunate to have a publicly-funded health care system that ensures that all eligible B.C. residents have access to medically-necessary health care services through the province’s Medical Services Plan (MSP). However, you might not be aware that the province also covers eligible prescription medications, medical supplies, and pharmacy services through the PharmaCare program.
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Alphabet soup

Tuesday, August 15, 2017

When my mom was an advisor at Rogers Group Financial, I always marveled at all the letters after her name on her business card. Unlike many people, however, I knew what they represented in regards to the work involved in attaining them and how they bettered the work she did on behalf of her clients. My sister and I would go to sleep and mom would stay up studying late into the night so that she could absorb all the important knowledge each designation provided her...
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Sometimes Old Habits Require New Thinking

Wednesday, July 19, 2017

Credit can be an extremely useful financial tool or a slippery slope to financial malpractice. Each of us must choose wisely how we manage our credit capacity (or lack thereof!). In planning, credit is a reserve or back-stop, extended by lenders or vendors, based on financial reputation and future potential. The risk quality measurement of our ability to repay credit extended is represented by a “Credit Score” designed to dynamically respond to our ever-changing financial circumstances....
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What are OAS and CPP worth?

Monday, June 19, 2017

Both OAS (Old Age Security) and CPP (Canadian Pension Plan)are government income entitlements that are meant to provide Canadians a guaranteed inflation-indexed pension for as long as they live. But what are they worth to you today? Another way to look at this question is to ask how much it would cost to buy a pension (life annuity) to replicate these government pensions.
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Not for Profit – An Abundance of Opportunity

Tuesday, May 16, 2017

Many of us are involved in our communities with not-for-profit and charitable organizations. Passion moves us to serving and giving to organizations that make a difference in other people’s lives. Just as a financial plan makes a difference in guiding your personal financial situation, so does good governance and leadership in these not-for-profit and charitable organizations.
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The Ultimate Currency

Thursday, April 20, 2017

What is the ultimate currency? Is it money? Canadian dollars or U.S. dollars? Is it gold or real estate? No, the ultimate currency is not a tangible asset at all. "You can’t save time. You can only spend it… Benjamin Hoff, The Tao of Pooh"
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Taking the Emotion Out of Investing

Friday, March 17, 2017

As financial advisors, a big part of our job is to guide and steer investors in the right direction when it comes to portfolio management. The goal of a typical investor, and this may come as a shock to you, is to generate a consistent long-term return that is suitable to their risk profile and time horizon. However, the real shocking part is that the majority of investors do not achieve this and a big factor that plays to this underachievement is emotion.
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Income Splitting 101

Friday, February 17, 2017

If you or your partner receive qualified pension income, the federal government’s pension income-splitting provisions could mean extra money in your pocket when you file your income tax returns. In a nutshell, pension income splitting allows couples to potentially reduce their overall tax bill by shifting income from one partner (the higher income earner) to the other (the lower income earner) who is taxed at a lower rate. This is just an allocation for tax reporting purposes and the actual income does not have to be paid to the partner.
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