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  Reflecting on the financial crisis 10 years later
GLEN HODGSON  

Friday, September 14, 2018

Senior fellow at the C.D. Howe Institute I t's been a decade since the collapse of Lehman Brothers sparked the 2008-09 global financial crisis and recession. The global economy is finally performing at a robust level, with solid output and employment growth in many regions and interest rates generally on the rise toward more normal levels. The acute pain felt during the financial crisis and the protracted period of recovery should have encouraged policy-makers and their voters to take meaningful steps to avoid a repeat performance. But have lessons been learned?
FULL STORY


Four reasons why business owners should consider life insurance
TIM CESTNICK  

Friday, September 14, 2018

FCPA, FCA, CPA(IL), CFP, TEP, author, and co-founder and CEO of Our Family Office Inc.This week I had the opportunity to speak at a conference for insurance advisers.
FULL STORY


Understanding how and when to apply for long-term disability
MATT LALANDE  

Friday, September 07, 2018

LEADERSHIP LABFounder, Lalande and Company Disability Lawyers, HamiltonWith many working Canadians living paycheque to paycheque, there is no doubt that an unexpected illness, injury or catastrophic medical event can leave many people overwhelmed with financial strain and scrambling to avoid crushing debt. Whether it's the onset of major depression, cardiovascular disorder, mental illness, serious bodily injury or cancer - coping with the toll of being unable to work and meet financial obligations can be disastrous for many people.
FULL STORY


Pets find a comfy spot in the wills of Canada's well-to-do
GAIL JOHNSON  

Tuesday, September 04, 2018

When Vancouver resident Jane Mundy first saw the photo of rescue puppies from Alberta, she knew right away that one in particular was for her. The moment the Karelian Bear dog arrived at her place, it bounded out of the van and ran right up to her. The two formed an instant bond.
FULL STORY


Great savers, not so great at investing
DIANNE MALEY  

Saturday, September 01, 2018

Logan and Tina are clear about their goal: to retire in four years with more money in their pockets than they are spending now. He is 63, she is 54.
FULL STORY


'Capital preservation is my No. 1 goal'
DIANNE MALEY  

Saturday, August 25, 2018

Faith is a recently separated, 53-year-old professional woman who makes about $32,000 a year working in the complementary health-care field.She has two teenagers, one going into second-year university this fall and the other Grade 12.
FULL STORY


Avoid being penny wise and pound foolish with probate planning
STEPHEN PIETROPAOLO  

Friday, August 10, 2018

Wealth adviser at Scotia Wealth ManagementThe first time I purchased a new car from a dealership, I was excited. Not only for the car, but because I was prepared to negotiate.
FULL STORY


How life insurance can help pay for a child's education
TIM CESTNICK  

Friday, August 03, 2018

I've got two kids attending university this fall. Our oldest son will be living offcampus in an apartment that can only be described politely, based on its odour, as objectionable. My wife thinks it's even more concerning that he doesn't seem to care. I told her: ''Carolyn, young men are a species that are happy to wear wrinkled clothing lying on the floor if it isn't walking itself to the laundry room. You think they care about the look and smell of their living quarters?'' Despite the condition of the place, I can attest to how expensive the rent is every month.
FULL STORY


For solo seniors, who takes care of the will?
ROB CARRICK  

Wednesday, August 01, 2018

One of life's most unappealling honours is to be selected by someone as executor for their will.Being an executor means walking a long and grinding road - emotion, money and bureaucracy joined together in a task for which you will never receive thanks from the person who asked you to do the job in the first place.
FULL STORY


Canada's 'innovation economy' needs a reality check
NEIL DESAI, GRAEME MOFFAT  

Saturday, July 21, 2018

Neil Desai and Graeme Moffat are executives with Canadian technology scale-ups and Fellows at the Munk School of Global Affairs and Public Policy at the University of Toronto.There has been a steady drumbeat of headlines praising Canada's innovation economy of late, including our academic contributions in the area of artificial intelligence, federal ''superclusters'' that will foster collaboration between large multinationals, local startups and postsecondary institutions, and strategies to increase access to venture capital.
FULL STORY


Use caution when advisers cut their fees
ROB CARRICK  

Saturday, July 14, 2018

The problem with seeking the lowest-cost investment advice is that you may end up with the lowest-quality advice as well.Savvy investors generally work on the principle that paying less is unquestionably a good thing.
FULL STORY


Giving to charity? Don't use your will
GAIL JOHNSON  

Tuesday, July 10, 2018

It is better to give than receive, especially when that giving results in tax savings.One of the most common ways to donate money to a charity is through a will. But this approach has drawbacks. The tax savings is limited, and estates with high levels of charitable giving are sometimes challenged by family members. High-net-worth individuals should consider other methods.
FULL STORY


Surplus-funds strategy key to early retirement plans
DIANNE MALEY  

Saturday, June 30, 2018

For many Canadians, 55 seems to be the magic number - the ideal age to retire. So it is with Vicky and Norm.''My wife and I are both 44 years old and we both are currently working in Toronto,'' Norm writes in an e-mail. Vicky is a salaried professional, Norm holds a middle management position. Together they bring in about $280,000, not including Norm's bonus. They have a 12-year-old son whom they'd like to help through university.
FULL STORY


Tax breaks from insuring a child's life can have cascading benefits
TIM CESTNICK  

Friday, June 22, 2018

FCPA, FCA, CPA(IL), CFP, TEP, author, and co-founder and CEO of Our Family Office Inc.Have you ever considered buying life insurance on one of your kids? Maybe it depends on the lifestyle of your child. I think about the young man who, a few years ago in Stafford County, Va., would dress himself up in camouflage gear, lie across forest trails and wait to be run over by all-terrain vehicles.
FULL STORY


CLIENT SITUATION

Saturday, June 16, 2018

The people: Roger, 56, Ruth, 49, and their two children The problem: How to ensure they can afford to retire early and travel extensively without running out of money.The plan: Take full advantage of all the income and tax-saving moves available. Pay off the credit line and shift from GICs to a balanced portfolio of stocks and fixed income.
FULL STORY


Oops. I goofed on my tax return. What now?
JOHN HEINZL  

Saturday, June 09, 2018

I own units of a real estate investment trust that distributes a significant amount of return of capital every year. I know that ROC must be subtracted from one's adjusted cost base, but I was not aware until I read your column that once the ACB hits zero any further ROC payments are taxed as capital gains. As a result I have a negative ACB of about $13,000 on one of my REITs and I'm wondering what I need to do to make sure I don't get in hot water with the Canada Revenue Agency.
FULL STORY


Couple seek security in mobile retirement
DIANNE MALEY  

Saturday, June 02, 2018

Darryl and Don hope to hang up their hats in four years when Don will be entitled to an unreduced pension.When they do, they're thinking of selling their Toronto house, moving to Victoria and travelling extensively, Darryl writes in an email.
FULL STORY


Preparing now for cognitive decline is just plain smart
MARY GOODERHAM  

Tuesday, May 29, 2018

Most investors try to stay on top of their accounts and follow the rules of prudent money management.But as the mind slows with age, decision making may be impaired, and experts warn that dementia and even Alzheimer's disease can leave you incapable of managing your affairs.
FULL STORY


Empty nesters prepare for life after downsizing
DIANNE MALEY  

Saturday, May 26, 2018

Kyle and Talia have done almost everything right financially and now they're preparing to reap the rewards - helped, as is often the case, by an impressive rise in the value of their house over the years. He is 59, she is 58. They have four grown children who are wellestablished in their careers.
FULL STORY


Wealthsimple for Advisors appoints new CEO
CLARE O'HARA  

Wednesday, May 23, 2018

Robo-adviser Wealthsimple is boosting its line of business for financial advisers with the addition of prominent wealth management executive Jean-Francois Courville.Mr. Courville has been appointed chief executive officer of Wealthsimple for Advisors, the online portfolio manager's business-to-business platform designed specially for financial advisers looking to offset a portion of investment management tasks.
FULL STORY


Booking better returns for easy retirement
DIANNE MALEY  

Saturday, May 19, 2018

Louise is 59, divorced with no children. She's collecting long-term disability insurance benefits and could well continue doing so until she retires at age 65. She also gets a Canada Pension Plan disability benefit, bringing her total income before tax to $48,445 a year.
FULL STORY


Getting a grip on a lean, workable retirement
DIANNE MALEY  

Saturday, May 05, 2018

Louis has enjoyed an enviable lifestyle. He's his own boss, working part of the year as a landscaper and travelling the rest.But at 51, he is beginning to think about the future and the fact that he doesn't have a pension plan.
FULL STORY


How a leading financial-literacy educator manages her money
LARRY MacDONALD  

Saturday, April 28, 2018

Kelley Keehn is a financial literacy advocate and personal-finance educator who has authored nine books on topics ranging from the psychology of money for women to protecting against identity theft. Ms. Keehn also has done hundreds of media interviews, was a member of the National Steering Committee on Financial Literacy and currently serves as the consumer advocate for the Financial Planning Standards Council. According to her website, kelleykeehn.com, she previously worked in the financial industry as an adviser to high-net-worth clients before selling that business in 2005 to take up her current role.
FULL STORY


What to do when it's raining money
KIRA VERMOND  

Tuesday, April 24, 2018

About four years ago, Tony Mahabir, a certified financial planner in Toronto, landed a new client with an exciting back story. An employee of an aviation company, the person was one of about a dozen coworkers splitting a $50-millionplus lottery win. The windfall was a shock and, in some ways, a burden. ''Everybody's knocking on your door,'' says Mr. Mahabir, chief executive officer of CANFIN Financial Group. Family and friends seek handouts, charities ask for donations and unscrupulous ''advisors'' lurk.
FULL STORY


Single mom facing cash-flow shortfall
DIANNE MALEY  

Saturday, April 21, 2018

At 51, Meredith is single again with two young children, ages 6 and 9, money in her various accounts that has not yet been invested, a new home in Eastern Ontario and a rental condo in suburban Toronto - her former home - with a big mortgage.
FULL STORY

 

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