Article Topic: Insurance

Financial thoughts, tips and tricks for you to consider.

I feel shame

As a wealth strategist I work with individuals and families to improve cash flow and build significantly greater long term wealth. The problem is I have been overly focused on one strategy in particular.   Real Estate.    Real estate funds, rental properties, rent to...

Reality Check

I must admit … we just got a reality check. As a wealth strategist, my job is to advise people.     And one of the pieces of advice I am often giving is to “Be Your Own Banker” and control the banking function in your life. But I must admit, while making great strides...
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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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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This is not a safe bet

This is not a safe bet

In Las Vegas the house is designed to win. Imagine that you're in Vegas, and there is a roulette table, where all the slots but one are black.  The caveat is that you are only allowed to bet on red.   And the chances of it landing on red are less than 5%. This is not...

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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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The Goose Or The Egg

The Goose Or The Egg

If you owned the goose that laid the golden egg … which would you insure first? As long as you have the goose you can always get more eggs.  So, if you’re smart you’d insured the goose before you insure the egg. Sadly, most of us insure the egg, and omit insuring the...

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The Why & How Much Of Life Insurance

The Why & How Much Of Life Insurance

If you are not sure if you need life insurance or how much you need, then you are not the only one. Insurance is a function of your financial liability and income replacement in case of untimely death. And there is generally an adjustment made for current savings (not...

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Certainty of Money

Certainty of Money

The certainty of money in the future creates a world in which we can behave very differently now.   Let’s take a look at a simple example.   Imagine that you were entitled to a $500K bonus from your company, but the caveat is that it would not be paid out for 5...

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905-425-5327 • vws@live.ca

Kathleen van den Berg, MBA, CFP

4 Branthaven Court
Brooklin, Ontario  L1M 0B2
Canada