Blog

Financial thoughts, tips and tricks for you to consider.

Option traders should invest in insurance.

Option traders should invest in insurance. Many of my connections in the real estate world took the initiative this year to learn about option trading and are actively relying on this strategy for income and wealth creation.   Congratulations if you have taken the...

Infinite Banking is not Life Insurance

I have been getting a lot of inquires lately about infinite banking life insurance. Firstly, infinite banking is not life insurance.   But rather, infinite banking is a concept.   There are many other descriptions for the same idea.    Be your own banker.   Circle of...

4 things you should know about your term insurance

Find out if you have a convertible feature. When shopping around for term insurance it would be a mistake to go for the cheapest policy.   As is often said in life, you pay for what you get.   The cheapest term insurance policies have no conversion features.   You...
BRRRR

BRRRR

If I had to use one word to describe this summer it would be BRRRR! No, I am not crazy. I realize this has been one of the hottest summers on record. Around the world. But BRRRR has nothing to do with being cold. It’s a real estate strategy that my husband Bill and I...

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Insure Your Lifestyle

Insure Your Lifestyle

As a Wealth Strategist the number one question I get from people approaching retirement is, “How much do I need to retire?”   And far too often we are not having the “What’s my number?” discussion early enough in the financial planning process.     Real Estate has...

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Debt Reduction Is Not The Path To Wealth Creation

Debt Reduction Is Not The Path To Wealth Creation

If what you KNEW to be true about paying off your mortgage was not true, when would you want to know? Coming from European parents, especially my Dutch father, paying off debt was probably the most important financial truth instilled in us at an early age.  You never...

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Sequence of Returns

Sequence of Returns

Sequence of Return Risk is a simple concept to understand, but it is not often talked about.    And it’s a serious risk in retirement that can be easily avoided. Simply speaking, the risk is the impact of a significant downturn in one’s retirement assets in the first...

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Longevity

Longevity

While insurance professionals are always mentioning the need for coverage to protect one from a premature death, they are rarely building in solutions to cover the risk of living too long – longevity risk.   Source:  World Bank The average life expectancy for a...

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Obsolescense

Obsolescense

You can't predict the future.    In a world where it is cheaper to buy a new phone than replace the battery you are better off to create a better built plan that achieves maximum wealth than trying to account for your future needs. Obsolescense is a real problem that...

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Inflation

Inflation

Inflation is one of the biggest problems facing Canadians in retirement. And even the reported Consumer Price Index (CPI) is likely significantly underestimating the cost of goods. Items such as housing, medication, hydro, petro have been increasing significantly more...

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Safe Withdrawal Rate

Safe Withdrawal Rate

If you are not familiar with the term “Safe Withdrawal Rate” you should be. Its the key factor to guide you in determining how much money you can withdrawal from your savings each year once you reach retirement. Nobody wants to run out of money. So using this...

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Financial Priorities

Financial Priorities

As a wealth strategist, when I speak with most of my clients their financial focus is usually on paying down debt, investing in stock markets or real estate, and saving for retirement. They overlook one of the most important pillars of financial success … life...

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905-425-5327 • vws@live.ca

Kathleen van den Berg, MBA, CFP

4 Branthaven Court
Brooklin, Ontario  L1M 0B2
Canada