Investment Products
"Why would I benefit from having a Financial Plan?" I like to think of Financial Planning in the following terms: One thing you need is money, it is what makes your goals and dreams a reality. The challenge is first to earn it and second to make it last long enough to cover your spending. You could compare Financial Planning to planning for a vacation and the same approach can be used for your...
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(article courtesy of Fidelity Investments) Imagine, if you can, a scenario in which the Canadian government pays you almost half of the money you require to make the investment of your choice. A GIC or a hot stock -- it's your call. Then, when you've made money on that investment, be it through interest earned on the GIC, or the capital gain generated by the sale of your stock, the government...
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Investment Services
TAX-FREE SAVINGS ACCOUNT (TFSA) This new savings vehicle is the most advantageous tax-wise since the arrival of the registered retirement savings plan (RRSP). It allows you to set money aside and let it grow free from tax during your entire lifetime. Tax-Free Money for What Matters to You Canadians need to save for many different purposes over their lifetimes. Reducing taxes on savings can...
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Up to Age 30 I can’t save now. I’m just getting my start in life. I don’t make a lot yet and I am entitled to a little fun when I am young. There is plenty of time. Wait until I start making a little more money. Then I’ll save ... ... Age 31 to 45 I can’t save now. I have a growing family on my hands. Children and a house cost a lot of money. It takes all I...
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Whether you have been in business for fifteen years or fifteen days, you can achieve financial success. Getting there is usually not a matter of financial wizardry or luck but adhering to some basic principles. Here are ten ways to help you move closer to the financial dreams of your business: Set Objectives Pay yourself first Minimize Personal and Business debt Maximize your...
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Planning for your retirement is a wise move at any age. While you probably won't be as concerned with retirement planning in your twenties as you will be in your forties or fifties, it is never too early to start. Today, the average life expectancy for Canadians is about 85 years for women and 81 years for men. Since Canadians are living longer, it is important to start saving and planning...
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"Our goal is to help you realize your goals." Estate planning is a strategy, and a process, that ensures the orderly transfer of your assets, in the event of your death or incapacity, at the smallest financial and emotional cost to you and your family. Estate planning is not just for the elderly or the wealthy. While you may not think your nest egg is substantial, even a mortgaged home can...
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A college or university education is crucial to success in today's job market and will be even more so in tomorrow's. It is estimated that 65% of new jobs created within the next year will require a post-secondary degree. But while Canadian families are eager to give their children the benefit of higher education, tuition fees are increasing relentlessly. Four years of study at a typical...
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