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. ...
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...
I work in the financial services business with a very unique approach to wealth and retirement planning. Everyday I actively support my clients in owning income properties in order to retire earlier with greater income security. So, I gladly accepted CREW’s QUIT YOUR...
There is this thing that financial services industry does that irks me to no end. Whenever they see an RSP Portfolio … and use this information in building a financial plan we use the balance at face value … and it is worth in fact … considerably less. Canadians need...
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,...
RULE 1: FULL REPLACEMENT PROTECTION Unforeseen events can happen at any time. Full replacement value of your assets, income, and life is essential for wealth conservation in the event of a claim. A properly designed protection plan is a higher priority before savings...
If what you KNEW to be true about RSPs was not true, when would you want to know? What is the number one reason Canadians contribute to an RSP? It’s not to save for retirement. It’s to LOWER THEIR TAXES THIS YEAR. But this approach can often be a big...
Has a financial planner ever asked you how much you’ll need in terms of income in retirement? I admit even I have been guilty of this classic “traditional financial planning” question. But the truth is, we have no idea what the future holds. Here is what we don’t...
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