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...
Article Topic: Blog
Safe Withdrawal Rate
Are you spooked yet?
Classic Financial Planning Mistakes
Sep 21, 2020 | Blog, Featured, Financial Planning
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
Sep 17, 2020 | Blog, Featured, Financial Planning, Insurance
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
Aug 11, 2020 | Blog, Mortgages and Debt, Strategies
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
Aug 5, 2020 | Blog, Investments
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
Jul 5, 2020 | Blog, Insurance, Strategies, Wealth Building
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...
Financial Priorities
Jun 11, 2020 | Blog, Financial Planning, Insurance
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...
An Investment That Can Never Decrease In Value
Jun 11, 2020 | Blog, Investments, Wealth Building
Let me just start by saying ... Nick hates insurance. As far has he is concerned ... it's a waste of money. He provides well for his family. But the idea of this extra cost, where he has absolutely no benefit doesn't sit well for him. Being 10 years older...
10 Strategic Uses for Cash Value Insurance
Jun 11, 2020 | Blog, 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