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...
Article Topic: Blog
Financial thoughts, tips and tricks for you to consider.
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Reality Check
You Don’t Know Jack
May 5, 2021 | Blog, Insurance, Retirement, Wealth Building
Jack is 45 and he just purchased $1,000,000 of Term 20 insurance. He pays $1,930 to the insurance company every year. The plan is to drop the insurance after 20 years. His family won't need it. Mortgage will be paid off. Wealth will be amassed. Children are through...
Safe Withdrawal Rate
Feb 4, 2021 | Blog, Featured, Financial Planning
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?
Oct 31, 2020 | Blog
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...
Classic Financial Planning Mistakes
Sep 21, 2020 | Blog, 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...
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...
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...
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905-425-5327 • vws@live.ca
Kathleen van den Berg, MBA, CFP
4 Branthaven Court
Brooklin, Ontario L1M 0B2
Canada