*As published in the Winter 2014 issue of Life Cents Magazine

After years of saving a couple hundred dollars of each pay cheque into an RRSP you’ve got quite a bit of money accumulated. When your retire the Canada Pension Plan and Old Age Security will cover your basic needs, but your RRSP will allow you to actually enjoy your retirement: travel, relaxation and hobbies hobbies. Unless you got sick and I mean really sick like cancer or suffering a heart attack.

Suddenly you are off work. Your ...

Continue reading ...

*As published in the Fall 2013 issue of FinanceWorks.ca

As the year comes to a close, it’s natural to reflect on what you’ve accomplished during the past year and what you want to accomplish in the year to come. When it comes to financial goals, the best advice is not to wait: the timing will never be perfect, you’ll always have bills to pay, but if you start now you can vastly improve your financial future.

Financial goal: Saving for your retirement
Canada Pension Plan and Old Age Securit...

Continue reading ...

Spring is upon us and with the rains washing away the winter dirt, many people start cleaning and organizing their households.  One thing that often gets overlooked in this period of purging and simplifying is your household finances. This year grab all your papers, open up your online accounts and tackle spring cleaning your finances.

#1: So many insurance policies, questionable benefit
It might seem odd for an insurance broker to say that you might not need all the insurance you are paying fo...
Continue reading ...

The saying is "Lies, damn lies, and statistics" but when it comes to planning your future and protecting your family, finding the probability of an outcome is key to painting an accurate picture and achieving your goals.  So let's take a look at some odds.

You buy a house.  It's exciting and probably the biggest purchase of your life, aside from the money for your retirement, so of course you insure it.  No question.  But do you know the odds of actually claiming on your house insurance by ...

Continue reading ...