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What is the TFSA? The 12 Questions you Need Answered About the Tax Free Savings Account

By Randy Cass on March 25, 2017

Don’t let the name fool you, the TFSA (that’s Tax Free Savings Account) is a powerful little investment tool. That’s right, it’s really an investment account not a savings account as the name would suggest. Between the poor naming job and the fact that it’s relatively new, it’s advantages aren’t well understood by most Canadians. 

In this post I’ll run through ins and outs of the TFSA, addressing the most common questions we hear from clients. 

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Find Out Exactly How Much of Your Investment Returns You Keep

By Kate Smalley on March 16, 2017

A 50% raise!!! How would that feel? What would it mean to you and your family over the next 20 years? 

How about a 50% pay cut? How would that change your life over the next couple of decades? How would you explain it to your family?Well, if you are an investor, seemingly modest fees can have the same life changing impact on your future.

A guest blog by the founder of Larry Bates.

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How to Work Because You Want to, Not Because You Have to

By Kate Smalley on March 10, 2017

“The cost of spending your life doing work you hate is too high. Most of us have had a job where we’ve dreaded the start of every work week. I call it the ‘Sunday night dreads’. That’s a dead giveaway you’re in the wrong profession. I guarantee you’re not going to be able to pull it off for another 20 years until you’re planning on retiring."

An interview with financial journalist and author Jonathan Chevreau.

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Canadians Don’t Have a Saving Problem, They Have a Fee Problem Part 2

By Kate Smalley on March 3, 2017

If I asked you to name a successful investor who comes to mind? Many people would say Warren Buffett. The man’s done pretty well for himself.

When he sent out his annual shareholder letter last week slamming active investors on Wall Street, saying they’d cost their clients a whopping $100 billion in wasted fees, people paid attention. To me it further proved that our mission to save Canadians $1 billion in fees is a no brainer. And it's just the beginning. 

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Canadians Don't Have a Saving Problem, They Have a Fee Problem Part 1

By Kate Smalley on February 24, 2017

It can feel like everywhere you turn the financial industry is shouting at you to, “Save more!”. Telling you you’re not saving enough. That you’re behind. That you should have started yesterday. And while I understand the importance of this message and it’s blunt delivery—because listen, it’s not bad advice—I have to wonder how effective it is.

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How CARP is Improving Investor Protection for Canadians

By Kate Smalley on February 17, 2017

"Couple scammed out of their retirement savings." We've seen the headline and it's heart breaking. Worse yet is feeling like nothing can be done about it. Wanda Morris, VP of Advocacy and COO of CARP, is taking action. We interviewed her to hear about the work CARP is doing to improve financial security for Canadians as they age. 

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The Top 5 Robo Advisor Myths

By Randy Cass on February 10, 2017

No, we’re not a team of robots. And yes, you really can pick up the phone and call us.

Robo advising—or digital wealth management as we like to call it—is more popular than ever thanks to low fees and ease of use. However there’s still a lot of misunderstanding surrounding how it works, so we’re addressing the five biggest myths we continue to hear.

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What is Your Money For? Setting A Vision For Your Savings

By Kate Smalley on February 3, 2017

We use the term “retirement” a lot but don’t often consider what it means to each of us. What are we saving for? What does retirement actually look like? Advertising tells us it’s a sandy beach, a golf membership, or a full time move to the cottage. It certainly can be that but for many of us it’ll look different.

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The Spousal RRSP: Your Questions Answered

By Randy Cass on January 27, 2017

The spousal RRSP. What is it, who needs one, and what’s that attribution rule all about? We’re sitting down to answer these FAQs and more. In short it’s a tool Canadian couples can use to split their income and pay less tax in retirement.

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RRSP Basics: Your Questions Answered

By Randy Cass on January 13, 2017

Welcome to RRSP season, otherwise know as the one time of year you'll willingly read an article with RRSP in the title. It's not a traditionally exciting topic, we get it, but it's an important one. A little planning now will pay off big time later. 

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