Article Topic: Blog

Financial thoughts, tips and tricks for you to consider.

Go Ahead … Fall In Love!

There is a saying when it comes to investments, don’t fall in love with them.   Just because a particular stock has done right by you in the past, does not necessarily mean it should be a permanent relationship. However, when it comes to the infinite banking concept …...

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...
Pressures On Money In Retirement

Pressures On Money In Retirement

In retirement we enter the distribution phase of our economic life from the accumulation phase. We move from “Working for Dollars” to “Dollars at Work” During the distribution phase there is only a finite pool of resources. Adding new financial assets during...

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You Don’t Know Jack

You Don’t Know Jack

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...

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A Million Dollars Of Debt

A Million Dollars Of Debt

Would you work with a financial planner that was a million dollars in debt? Before you say "No", read the full story. This is not your father's economy. This is not your father's economy. And it shouldn't be your father's saving strategy either. When our parents were...

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Top 3 Mortgage Mistakes

Top 3 Mortgage Mistakes

Your mortgage needs to be much more than just about the rate. It’s the cornerstone to a strong overall wealth plan. Yet focusing on rate is the most common mistake I see clients make when looking for a mortgage solution. Rate is actually the least important factor. #1...

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Don’t Wait

Don’t Wait

If you require permanent life insurance coverage for family, estate planning, business, or tax planning purposes or you just wish to accumulate money in your life insurance program it may be time to look at a permanent, level cost solution. Many of us purchase large...

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You Can’t Handle The Risk

You Can’t Handle The Risk

When I ask clients if they can handle risk, they usually say yes. Well let’s test that hypothesis then shall we. In 2008 did you get into the market or out of the market? How about 2020? If you got out of the market, then you can’t handle risk. If you invested more,...

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Put A Ring On It

Put A Ring On It

I was recently at a networking event when I was introduced to an established and experienced real estate agent. In conversation I learned that she had just recently closed a big sale and as a reward she gave herself a brand new diamond ring worth over 15K. Nervously...

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This Isn’t Good

This Isn’t Good

Tax Free Savings Accounts are not good for the government ... and that's exactly why they are great for you! When we were children, our parents taught us that sharing is good. But sometimes there is such a thing as an "over-share". That's when you're forced to hand...

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905-425-5327 • vws@live.ca

Kathleen van den Berg, MBA, CFP

4 Branthaven Court
Brooklin, Ontario  L1M 0B2
Canada