Blog

Financial thoughts, tips and tricks for you to consider.

Is your term insurance Bad?

Is your term insurance bad? As an advocate of wealth insurance and infinite banking policies, I am often asked, “Is term insurance bad?”. There is nothing inherently wrong with term insurance.   Its a cost-effective way to get people coverage and peace of mind.     ...

Own, Don’t Rent Your Insurance

If what you KNEW to be true about insurance was not true, when would you want to know? Most consumers are under the impression that term insurance, like Term 10 or Term 20, costs significantly less than permanent insurance. But that is like saying renting a house...

Is this your new Joint Venture Partner?

At its most basic level a real estate joint venture is simply a business arrangement.    Real estate joint ventures don’t last forever and like all good contracts, a joint venture agreement covers things like how and when the partnership may dissolve and should...
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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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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Taxation Risk

Taxation Risk

The common financial belief is that you will be in a lower tax bracket in retirement and therefore saving within an RSP structure makes the most sense.   I however believe that in many, actually most, situations this will not be the case at all. Firstly, why on earth...

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Now is always better than later.

Now is always better than later.

When it comes to life insurance, now is always better than later. You can’t purchase home insurance when your house is on fire.  And you can’t purchase life insurance if your health has declined significantly. I have personally seen how waiting to purchase insurance...

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905-425-5327 • vws@live.ca

Kathleen van den Berg, MBA, CFP

4 Branthaven Court
Brooklin, Ontario  L1M 0B2
Canada