Well Advised Winter 2022

Well Advised Winter 2022

When’s the best time to invest? The year that just ended demonstrates how different investors can react to the same market conditions. Starting in early 2021 and well into summer months, stock markets surged overall. some people wondered if they should boost...
Well Advised Winter 2021

Well Advised Winter 2021

HOW DID YOU REACT TO MARKET VOLATILITY? When your investment program was established, you answered questions that helped determine how much risk you were able to tolerate. You had to imagine how you would react to a significant loss in portfolio value. But imagination...
Sharing CPP (and/or QPP) Retirement Pension Benefits

Sharing CPP (and/or QPP) Retirement Pension Benefits

Couples receiving pension income have two possible options to adjust their taxable incomes and reduce their total taxes. Pension income splitting One option is pension income splitting where spouses can, jointly elect to report up to 50% of their spouse’s...
Should a retirement plan include your home?

Should a retirement plan include your home?

Should a retirement plan include your home? When your home represents a sizable portion of your net worth, you might wonder if downsizing would give you a more comfortable retirement. It’s a decision that not only involves financial planning, but practical and...
How to Invest Wisely for Retirement

How to Invest Wisely for Retirement

You’re a few years from retirement, or even five to 10 years away, and the worst case scenario passes through your mind. What if the stock markets plummet and drag down your nest egg, putting your retirement plan in jeopardy?Not terribly long ago, the solution to this...
Retiring Gradually

Retiring Gradually

According to the 2016 census, one in five Canadians aged 65 and over were working, with 30% of this group working full time. Some continued in their regular jobs, while others became consultants, entrepreneurs and new business owners. Although many seniors work...