Solutions
Key strategies to start implementing.
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...
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...
How to stay cool in today’s hot real estate market
Yes … it’s getting hot out … but there is a way to stay cool in this hot real estate market. By implementing the BRRRR strategy - BUY, RENOVATE, RENT, REFINANCE, REPEAT you can stay cool even in hot markets. Recently I was asked if we are still buying...
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...
Are you spooked yet?
Today scary decorations are all around our neighbourhood. Halloween, the day of dressing up and trick-or-treating, is full of fun and excitement for the young. But there are often 365 days of fears for retirees. What scares retirees the most? The Market When you...
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...
905-425-5327 • vws@live.ca
Kathleen van den Berg, MBA, CFP
4 Branthaven Court
Brooklin, Ontario L1M 0B2
Canada