Article Topic: Blog

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...
Use Debt Strategically

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...

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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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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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10 Strategic Uses for Cash Value Insurance

10 Strategic Uses for Cash Value Insurance

Paydown versus interest only - enhance lifestyle by spending more of your wealth Reduce pressure on capital – less capital is needed to produce the same retirement lifestyle Reduce pressure on withdrawal rates – less reliance on traditional retirement savings and less...

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905-425-5327 • vws@live.ca

Kathleen van den Berg, MBA, CFP

4 Branthaven Court
Brooklin, Ontario  L1M 0B2
Canada