Solutions

Key strategies to start implementing.

Never pay off your mortgage

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...

Designing the Perfect Investment

If you could design the perfect investment, what characteristics would it entail? Safe, maybe even guaranteed A Great Rate of Return is a must It would be great if you could use it as collateral and borrow against it. Being able to take money out when needed or put...

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...
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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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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Are you spooked yet?

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...

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905-425-5327 • vws@live.ca

Kathleen van den Berg, MBA, CFP

4 Branthaven Court
Brooklin, Ontario  L1M 0B2
Canada