Blog
Financial thoughts, tips and tricks for you to consider.
How we benefited from the Coronavirus stock market crash Part II – Whole Life Insurance and the Coronavirus Crisis
In Part I of Whole Life Insurance and the Coronavirus I illustrated how our insurance policies rescued us from a potentially financially devastating situation last March when the full impact of the Coronavirus hit Canada. I encourage you to read Part I and how...
Classic Financial Planning Mistakes
I believe there are core financial planning beliefs that benefit financial instutions and not Canadians. Which is why my wealth planning process is significantly different then most. To get a taste of how you may be on the wrong track, consider listening to this...
How our life insurance policies rescued us during the coronavirus crisis. Part I – Whole Life Insurance and the Coronavirus Crisis
Its true. I always explain to clients how important it is to have permanent cash value insurance as a key foundation in one’s wealth plan. Without insurance, you are completely exposed to financial hardships, which can be devastating, especially in retirement. ...
Use Debt Strategically
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 owed people money. You always paid your credit card off 100% every month. And you worked hard to be...
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...
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...
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...
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...
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...
905-425-5327 • vws@live.ca
Kathleen van den Berg, MBA, CFP
4 Branthaven Court
Brooklin, Ontario L1M 0B2
Canada