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Education Savings: Start Early

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A new baby in the family brings many hopes, dreams and expectations. This can often include thoughts about how their lives can be better than that of their parents. And that often includes hopes about careers and the education that goes with them. It is also the time to start planning how to finance the education needed to fulfill those hopes and dreams. TD Economics estimates the total average…

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Choosing the Right Life Insurance

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Making the right choices for protecting you and your loved ones in the case of a premature death comes down to understanding some basic principles and rules of thumb. The first is that the name is all wrong; life insurance does not help you, it helps to protect the standard of living and lifestyle of those you leave behind. So more accurately it should be called something like: loved one's…

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Inflation & Your Financial Health

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To truly appreciate the role that inflation plays in your ability to build assets and achieve financial freedom one has to consider the role of its dance partner: purchasing power. You can't have one without the other! Most people spend very little time contemplating the concept of purchasing power or the role it plays in their ability to meet their lifestyle or financial independence goals.…

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Welcome to RRSP Season !

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It is that time of year again when attention turns to RRSPs and tax planning. This year's contribution deadline is March 3rd, 2014 if you want to deduct the contribution against your 2013 income tax return. The purpose for making an RRSP contribution, from a financial strategy perspective, is to build savings and assets over time so that you can replace earned employment income with passive or…

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The Retirement Dilemma: Part 2

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In our previous article, we looked at how seniors generally wish to invest their money to feel safe while in reality their expenses rise throughout their retirement years as the cost of various services, such as hydro and property taxes, typically increase annually. ( See graph at bottom ) Your choices are to either decrease your spending or deplete your savings or some combination of the two in…

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