planning

The primary purpose of life insurance is to take care of financial responsibilities in the event of premature death. There is a theory of decreasing responsibility that applies to most of us.  New parents with young children, a significant mortgage, some consumer debt...

Currently, if you withdraw even one dollar from an RDSP account, the Government of Canada will revoke any government contributions made in the previous 10 years.  The government contributions are generous, but the 10 year withdrawal rule means even your own personal...

1 – Secure the Disability Tax Credit Certificate. The Disability Tax Credit Certificate will provide you with tax credits that can save you a significant amount of money in taxes. This is not to be overlooked.  If you have a child with a disability that...

A good number of my clients have come to me when their child with a disability has reached the age of an adult.  By no means would I say their situation is hopeless, but I would say that they would be in a far better position if they started taking action when their...

“The focus of financial planning is about investing.” Investing is an important aspect, but it is not the only one.  Financial planning is about protecting assets and income from loss and misuse as well.  This includes tax reduction strategies, insurance...