Insights and Reflections
Sep 04, 2024
Patterns > Facts
In a world of information, data is at a surplus, but answers are fleeting. We are in a crisis of truth where numerous sources with opposing opinions report to…
Sep 04, 2024
OAS – Key Questions
When can I get it? You can take OAS as soon as you turn 65. When should I take it? The OAS program allows you to voluntarily defer up to…
Sep 04, 2024
How long will I live?
Although this is not an easy question to ask, the knowledge of lifespan is critical in planning for retirement and investing. How long you will live influences the conversation around…
Sep 04, 2024
Canadian Pension Plan (CPP) – When should I start my payments?
This is a good, practical question that we encounter daily in our meetings. It becomes especially important as we enter our 60’s and get closer to retirement. The CPP program…
Jun 07, 2024
Building a Margin of Safety
Morgan Housel is currently my favorite financial writer, and we featured his two books (Psychology of Money and Same as Ever) in our most recent newsletter. He has a brilliant…
May 07, 2024
2024 Federal Budget
True to form, the Trudeau Liberal government has missed the mark with their latest Federal Budget. In 1984, Canada produced 88% of the value generated by the US economy per…
Mar 07, 2024
Game. Set. Match.
The stock market moves daily, and it can be aggravating to watch. Up, down, down, up…repeat. With this constant motion, just how often is the stock market actually up? Fortunately,…
Feb 12, 2024
Healthcare…to pay or not to pay?
It is no secret, healthcare in BC is in a challenging state. We have all read about it and are likely of a similar mind…will someone please fix it and…
Jan 19, 2024
Many Happy Returns
As we embark on a New Year its is helpful to reflect on the previous year and lessons learned. In 2023, we made the decision to use a new suite…
Dec 06, 2023
How to make charitable gifts go further
For many Canadians, ’tis the season for charity. But budgets across the country are tighter this year. Inflation has driven up costs—including for basics like food. Meanwhile, interest rates…