I had a conversation with a client recently. I asked her how she has been so successful with her financial management and decided her story would be a good thing to share this with others. I must admit our client, […]
I have never been a fan of budgets. They carry a negative connotation and are not as flexible or followed as a cash flow document is. Cash in and cash out. As a Certified Financial Planner, the benefits of managing […]
Twice a year, we field calls from parents about how to access funds from their children’s Registered Education Savings Plans (RESP). In many cases, the presumption is that we can just flip a switch and have RESP funds deposited into […]
A regular point of discussion with clients and prospective clients in investment planning is that, when they have a large sum of money to invest, it is not just about deciding what to invest in but when. Of course, each […]
Building a financial life plan can be the most intimidating part of writing your business plan. It’s also one of the most vital. Businesses that have a full financial plan in place more prepared to pitch to investors, receive funding, […]
As of December 2019, there were 1.25 million employer businesses in Canada. Of these, 1.2 million, or 98% were small businesses. Small businesses are the largest employers in Canada. Yet it is amazing how many businesses do not do any […]
Canada Day is usually an occasion to celebrate Canada’s birthday and the rights and freedoms we enjoy as citizens of this country. This year has been one of reflection, trust, and reconciliation with our indigenous neighbours and is a clear […]
Given the state of our real estate market, the insane prices of houses, and the ever increasing costs of living, young people are nearly finding it nearly impossible to acquire their first homes. We are amid record home prices in […]
Its something that many parents have some challenges with. They never had the talk when they were young and do not know how to have it with their own kids. I know where your mind is headed. But I caught […]
Its something most of us have been forced to revisit during the pandemic. It brought on some tough choices in order to accommodate changes to our own livelihoods that were necessarily of our choosing. It forced us to face frugality. […]