What is Sequence of Returns Risk?
Oftentimes, investors are instructed to own a well diversified portfolio in accordance with their risk tolerance and then maintain it through all market conditions until their situation changes or they are faced with a major life event. This is all well and true, but...An Executor Checklist – A Few Things to Consider
Wow, you’ve been asked to be an executor (or liquidator in Quebec) – what a great privilege… or is it? Before you say yes to this momentous role, here are a few things that you should consider. Although it’s certainly important to consider the duties and...How Much Should I Contribute to My RRSP?
Figuring out how much to contribute to your RRSP is important. Do it right, and you maximize your tax savings now, while setting yourself up for a good income after retirement. Do it wrong, and you could find yourself paying more taxes than you have to....Beneficiary Designations and the Importance of Transparency
In our recent article Beneficiary Designations – Making Sure Your Money Goes Where You Want, we discussed the 2020 Ontario Superior Court case of Calmusky v. Calmusky. A key finding in that case was that Gary Calmusky was not entitled to payments out of his deceased...The Settlement Process – What Your Beneficiary Can Expect
You’ve done all the right things; you’ve purchased life insurance and named a beneficiary. You know how important it is to name a specific beneficiary to ensure that the proceeds of your life insurance are protected from creditors and pass to your beneficiary on a...
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