Category Archives: security

Four Elements of Financial Planning

Posted on March 31, 2014 by Rick

When most people hear the term “financial planning”, they automatically assume it has something to do with saving and investing. While saving and investing are integral components of financial planning, they represent only one part of the equation. As we … Continue reading →

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Do You Need a Power of Attorney?

Posted on February 21, 2014 by Rick

In our line of work we are occasionally required to act on the instructions provided by a third party. In order to accept instructions from a third party we must have a duly executed Power of Attorney, or POA. A … Continue reading →

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Panic Doesn’t Pay

Posted on November 9, 2013 by Rick

The US market dropped about 5% during the month of August. This caused memories of 2008-2009 to surface. Some investors began to feel anxious and wanted to make decisions about how to protect themselves against losses. People often feel tempted … Continue reading →

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What If You Develop a Critical Illness?

Posted on August 1, 2013 by Rick

Critical illness is not something we like to talk about. It is, however, an element of risk that must at least be considered. The reality is that more than half of all people living with cancer will survive at least … Continue reading →

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Do Bonds Still have a Place in Your Investment Portfolio?

Posted on March 28, 2013 by Rick

Over the past few years, billions of investment dollars have poured into government and corporate bonds and bond-based mutual funds. The mutual fund industry has recorded that the bond market has absorbed more money than equities did at the height … Continue reading →

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Changing Needs During Retirement

Posted on March 14, 2013 by Rick

For those of you who are older than age 50, we ask that you think about how your life and lifestyle changed in the thirty years between your 20s and 50s. If you’re in your 20s, you will have to … Continue reading →

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Are You Ready for Retirement?

Posted on February 12, 2013 by Rick

So you’re thinking about retirement. It may sound good; however, it can also be an emotional and stressful time of life. You begin to dream of playing golf every day, travelling the world, or just sitting back and relaxing. But … Continue reading →

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The Speed Limit of Equity Investing

Posted on February 11, 2013 by Rick

Many families rely heavily on a car in their daily lives. Visiting family, getting to and from school or work, and then on to sports events or lessons – the car and the roads we take it on are a … Continue reading →

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Risk Free Returns or Return Free Risk

Posted on September 18, 2012 by Rick

Over the past few years there has been a flight out of equities and into government bonds. People fear the volatility that has plagued equities since 2008. This strategy appears to have worked. However, there is risk associated with this … Continue reading →

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The Death of Old Age Security

Posted on February 21, 2012 by Rick

Today’s retirees were born into a world of entitlement in which the employer, the union and the government provided a defined-benefit retirement plan and financial security from cradle to grave. This scene is changing fast. As Canadians age we are … Continue reading →

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