Market Update I hope you and your family are well and have enjoyed the summer. Fall is approaching and the “new normal” continues as students head back to school, whether virtually or in person, and many people continue to work…

Those that lost their jobs because of Covid-19 have most likely been taking advantage of the government’s largest benefit, the Canadian Emergency Response Benefit (CERB). As of mid-August, 8.6 million Canadian employees and self-employed persons have been paid over $69.4…

Simply put, this behavioural finance concept is the tendency of people to overestimate their ability to control a situation, often leading them to make decisions that are far riskier than they anticipate. This concept can be used to illustrate the…

If your child is planning on attending college or university next month, chances are you need to redeem money from your Registered Education Savings Plan (RESP).  Although you don’t have to provide receipts; you will have to provide Proof of…

More than 1.3 million women and almost 350,000 men become widowed in Canada every year.  Losing a spouse unleashes a deluge of financial tasks that can be daunting, even if the survivor was actively involved in the financial matters before…

Consider a Marriage Contract Thousands of weddings have been dramatically downsized, postponed or canceled this year, leaving many couples unsure of how or when to re-start planning for their nuptials. Hopefully, marriage is the beginning of a long and wonderful…

Yes, it is ok to take a vacation during the middle of a pandemic.  Many managers and business owners agree, unless you are just returning from a shutdown, take your vacation days. Many people are not booking as many vacation…

While the first quarter of 2020 was dominated by anxiety surrounding the initial outbreak of COVID-19 and the ensuing lockdowns and market declines, the second quarter demonstrated a remarkable bounce back in the markets – even with a resurgence of…

Covid-19 infection and death rates continue to dominate the headlines. Protecting ourselves using masks and gloves has become the new normal.  This emphasis on mortality has increased the number of questions regarding long-term care, estate planning and concern over how…

Last week we celebrated Canada’s 153rd Birthday! As Canadians we are extremely lucky to live, work and eventually retire in one of the greatest countries in the world. Here are 10 reasons why:   1. Canada consistently ranks as one…