Canadians are eagerly awaiting their tax refund or have already pocketed their it from the Canada Revenue Agency (CRA). In 2016, 65 per cent tax returns processed yield refunds with the average cheque or direct deposit from the CRA coming […]
The per capita rate of debt amongst Canadians is the highest in the world. With a future of increasing interest rates, the prognosis is not great for a lot of Canadians. We seem to have a debt perversion. Many people […]
Its amazing, in today’s complicated world, that I encounter people that do not have current and valid wills and powers of attorney. The estate consequences can be significant and expensive if one passes away without one. Don’t presume common sense […]
Right now, we are in the middle of the so-called Registered Retirement Savings Plan (RRSP) season. Currently, Canadians are bombarded with financial institutions soliciting them to contribute to RRSPs by March 1st. The decision to contribute to an RRSP should […]
We have been dealing with a few estate transitions in the last few weeks and find that families are not as prepared as they should be. It is quite a quandary for folks as the concepts of preparing an estate […]
Last week was a busy week with Black Friday, Cyber Monday, Giving Tuesday and the onset of Boxing “month.” All the retailers want us to think about Christmas shopping and planning for the Holiday Season. You know, the old saying, […]
I’ve been pondering about writing an article on gratitude over the last few months. I launched Northern River Financial just over a year ago. We have been warmly embraced and have seen very strong and positive growth. With the approach […]
Lately, I’ve been hearing about how some people feel that the quality of financial advice provided by their Financial Advisors has been lacking. Does this sound familiar… “The only time I get a call from my Financial Advisor is during […]
As we approach September, the subject of discussion in some of our meetings was how to prepare students heading off for post-secondary education. I reflected on one client who decided, that as a result of her experiences, to become financially literate. […]
One of the most common questions I am asked when engaging with a client for the first time is how often should we meet. Initially, as we draft their financial life plan, we meet more frequently. Once we have the […]