Do you have Mortgage Insurance through your bank?

Do you have Mortgage Insurance through your bank?

Life insurance or mortgage insurance? The better option for mortgage protection Your home is probably the biggest investment you’ll ever make. When you arrange a mortgage with a financial institution, they must ask you if you want to insure your mortgage through them. But mortgage insurance from your bank or mortgage lender may not be […]

Age, Gender and Retirement Perspectives

Age, Gender and Retirement Perspectives

Do you think that retirement for you and future generations will be significantly different than it is for current retirees? If you say, “yes”, you’re not alone. Most consumers anticipate meaningful differences. Thoughts, expectations, confidence and planning do differ when considering age and gender. Here are some recent findings shared with permission from the LIMRA […]

Insurance made easy

Insurance made easy

Getting the protection you need is faster and simpler than ever before. When thinking about getting a financial plan in order, many people tend to focus on investments, bank account balances, or paying down debt. Insurance protection can sometimes get put on the back burner, often because of misconceptions: it’s not fun to think about, it […]

Insurance made easy

Insurance made easy

Getting the protection you need is faster and simpler than ever before. When thinking about getting a financial plan in order, many people tend to focus on investments, bank account balances, or paying down debt. Insurance protection can sometimes get put on the back burner, often because of misconceptions: it’s not fun to think about, it […]

Guaranteed Income for Life – RRSP

Guaranteed Income for Life – RRSP

https://youtu.be/DXPTWTe6K7c CASE STUDY GUIDE

Which investments can reduce your tax bill?

Which investments can reduce your tax bill?

Taxes may be inescapable, but your choice of investments can have a huge impact on how much tax you pay. It all depends on your personal situation and how you structure your investment portfolio. 3 types of investment income and how they work A basic investment portfolio can generate three types of income: Interest income. […]

2019 Canadian Budget update

2019 Canadian Budget update

Guaranteed Income for Life – RRIF

Guaranteed Income for Life – RRIF

https://youtu.be/fQQX0a9LDf8 CASE STUDY GUIDE

QUEBEC 2019 FINANCIAL FACTS

QUEBEC 2019 FINANCIAL FACTS

How to talk to your boss about your mental health

How to talk to your boss about your mental health

It may be tough to talk to your boss about your mental health, but experts say having the conversation can help your recovery. By Joy Blenman Most Canadians would rather not speak to their bosses about their mental health. According to the Sun Life Barometer Study, working Canadians are only half as likely to report […]

8 money management tips for couples

8 money management tips for couples

Are couples and money incompatible? Is financial planning a relationship killer? Here’s some advice on managing money together without destroying your relationship. 1. Break the money taboo Did you know that money is one of the main sources of conflict in couples? For love and money to coexist, you cannot bury your head in the […]

Women and the financial frontier

Women and the financial frontier

Addressing the financial challenges facing women, with tips men can use too. Women are centre stage in 2018. They’re speaking out across social media and demanding change – and there are signs they’re well positioned to get it. The federal government has a gender‑balanced cabinet for the first time in history. Globally, female empowerment, workplace […]

RRSP contributions for working seniors

RRSP contributions for working seniors

Written by Peter Wouters Stan is turning 71 this year. He is enjoying a life filled with travel, relaxation and time with his family. Like more and more people, work is still very much a part of his life. Stan expects to work at least part-time for the foreseeable future. To Stan, this keeps his mind […]

3 ways to pay off your mortgage faster

3 ways to pay off your mortgage faster

By Deanne Gage Think your mortgage will be part of your life for decades to come? It doesn’t have to be. Here are three strategies to shorten your route to mortgage freedom. Stretching out your mortgage over as long a period as possible may keep your payments down and help your short-term cash flow. But […]

4 estate planning tips

4 estate planning tips

  Nobody likes to think about death or the burden it often represents for those we leave behind. Yet, it is important to be ready. Don’t postpone this important task―the decisions you have to make won’t be any easier in 5, 10 or 20 years! 1. Make a will A will that clearly identifies your heirs is […]

Estate maximization for business owners

Estate maximization for business owners

Watch this short video to learn about a strategy business owners like you are using to minimize taxes and maximize their estates.  

Talking finances with your elderly parents

Talking finances with your elderly parents

Discussing money matters with family is never an easy task… Here are tips on how to broach this delicate subject with your aging parents with a minimum of conflict. As your folks get on in age, you may find yourself concerned about their financial situation. Your concern is well-founded. Neglecting to plan for a loss […]

Getting into the retirement mindset

Getting into the retirement mindset

Retirement isn’t just about socking money away in your mattress. Retirement is also a state of mind because it’s an important life event for anyone who has spent their entire adult life in the work force. Here are a few tips to help you embrace this next stage in your life. Retirement means a departure […]

Worried about taxes at death?

Worried about taxes at death?

Written by Peter Wouters | empirelife.ca What’s the biggest cheque you or your estate will ever write? When do you think that might happen? For many people, the biggest cheque they will ever send to the government will be for the money owed on their death. Any unpaid or accrued income taxes, taxes triggered on the full […]

Should you retire early or retire late?

Should you retire early or retire late?

By Dave Dineen – sunlife.ca There are some important issues to consider when deciding the right time to retire — and they’ll have an impact on more than your wallet. When I was 57, I’d been retired for 3 years. Most people I talk to assume that I’m lucky, lazy, rich or ill. (Disclosure: I’m […]

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