Insights

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Segregated Funds

What are Segregated Funds?

Many people are familiar with mutual funds as an investment but are not as familiar with segregated funds. Segregated funds are investment funds (like mutual funds) that life insurance companies offer.  How are they similar to mutual funds? The key features that are different from mutual funds: Unique Uses for

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cash now

What To Do with Cash Now

The Bank of Canada has raised its policy rate over 2022, and it is currently 3.75%.  Prior to the interest rate increases this year, there were not many options for your cash reserves. With inflation running at 6.9 % today, you need to earn as much interest as you can on

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checklist year end

2022 Year-End Planning Checklist

The end of the year is a great time to take a quick review of your personal finances to determine if you have any action items prior to December 31.   To help this process below is a checklist that covers events, milestones, taxes, insurance, and retirement plans – areas that

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4 percent rule

4 Things Retirees Should Know About the 4% Rule

When people are looking to make the transition to retirement, they want to know how much they can spend each year without running out of money. The amount of capital you can safely withdraw from your portfolio each year without running out of money has been called the “Safe Withdrawal

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Market Turndown and Recession

What to do during a Market Downturn or Recession

With the market decline this year and a potential recession, people want to know what they should do with their investments and financial plans. You can take the following suggestions and actions to help navigate a market downturn. Key Suggestions Avoid doing anything drastic With a market decline, it can

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Probate Trusts and Estate Tax
Blog

Why Probate May be a Good Thing!

Excerpts from the Book – Preserving Wealth – written by Jack Lumsden, MBA, CFP® Much has been written about the various strategies to avoid probate ...
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Differences in Investment Classes discussion by Jack Lumsden, MBA, CFP®
Blog

What are the Different Investment Classes?

Excerpts from the Book – Preserving Wealth – written by Jack Lumsden, MBA, CFP® Before you invest your money, you should understand what the actual ...
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Blog banner on What is the Process Once You Hire a Financial Advisor.
Blog

What is the Process Once you Hire a Financial Advisor?

Excerpts from the Book – Preserving Wealth – written by Jack Lumsden, MBA, CFP® I was speaking to someone on the phone a couple of ...
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A couple ready to plan their retirement is asking the question how their financial advisor gets paid.
Blog

How Do Financial Advisors Get Paid?

Excerpts from the Book – Preserving Wealth – written by Jack Lumsden, MBA, CFP® It is important to understand how a financial advisor is compensated ...
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Our Monthly 3-2-1- Newsletter for May by Jack Lumsden, MBA, CFP®
Blog

Three of our best Insights for May

Our Monthly 3-2-1- Newsletter  RESOURCE: What are the Retirement Income Investment Options As you transition from your working years to retirement or optional work years, ...
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The R6 Retirement Playbook for a smarter way to retire with confidence
Blog

The R6 Retirement Playbook™ A Smarter Way to Retire with Confidence

Retirement today isn’t what it used to be. People are living longer, everything gets more expensive, markets are unpredictable, and tax rules keep changing. That’s ...
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The Definitive Guide to Protecting, Investing, and Transferring Wealth.

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