Articles


Planning for a healthy retirement (Part 1)

6 risks to a healthy retirement and how to mitigate them

Our specialized INCOME65® process is designed to address the many challenges and opportunities facing retirees as they prepare for and enter retirement.  Research shows that clients who work with a financial advisor have up to four times the assets of non-advised households.  In recognizing the many positive research findings on the importance of adhering to a financial plan, our INCOME65® process includes methods that effectively match a client’s investment performance with their financial goals, and furthermore, match their retirement lifestyle expenses with their income streams. 

Download PDF

Tax Talk

Smart ways to secure your financial future

Corporate Class funds have been growing in both practicality and popularity.  They look and feel a lot like regular mutual funds, but provide investors certain tax benefits which traditional funds do not offer.

Download PDF

Portfolio Purchasing Power

Putting dividends into perspective
 

Successful wealth management is achieved by maintaining and increasing your purchasing power of time. Through an in-depth analysis of the major bear markets of the past 100 years, Mike introduces a different way to measure your investment success, which he calls "Portfolio Purchasing Power".

Download PDF

 

Portfolio Treatments

Add a little certainty to your retirement income plan
 

The tax-effective Corporate Insured Retirement Program (IRP) is an innovative business planning concept that provides life insurance protection plus the potential for future access to cash values that have accumulated and compounded in the policy on a tax-free basis. An ideal consideration for excess cash held within a corporation.

Download PDF

 

Cash Flow Portfolios

Making sense of a new reality
 

While 2011 was a challenging year for many, in this article, Mike discusses the importance of Cash Flow and the power it has on compounding investment returns. How did our philosophy play out this year? This is a Must Read.

Download PDF

 

The Ascent of Gold

A speculative bubble, or the currency of old?
 

Gold’s impressive 10-year rise in value has not sheltered it from controversy. Some fear a speculative bubble is forming. Mike exposes the reality behind the precious metal’s move and the case for investing in gold.

Download PDF

 

Portfolio Treatments for the Long Run

Real estate investment trusts
 

In this article, Mike expands on the need for cash flow in a properly diversified investment and retirement plan. Mike highlights the Canadian real estate investment trust (REIT) sector.

Download PDF

 

Exchange Traded Fundamentals

Fully transparent investing, with lower fees and solid returns
 

In this article Mike discusses one of the most intriguing asset classes to have emerged over the last decade.

Download PDF

 

Surviving a Grizzly Attack

Portfolio strategies for a bear market
 

In this article, Mike discusses a time-tested notion of investing in dividend-paying assets. Mike highlights the Canadian utility sector as a portfolio strategy for surviving a bear market.

Download PDF

 

An Interesting Way to Eliminate Your Mortgage
 

Next to the amount of tax you pay in your life, interest on a mortgage is often a close second. In this article, Mike highlights an interesting new way you can reduce your debt. Often called the "Australian" mortgage, this concept can get you out of debt sooner and save you thousands in interest costs.

Download PDF

 

Flow Through Investments Can Result In Tax Savings

Strategies that make financial sense
 

A nest egg is important in that it provides you and your family with lifestyle options and financial security. As important as it is to fund your retirement plan, it is equally important to consider the amount of tax you pay on your accumulated wealth. As Mike points out, this tax-savings strategy can be a nice complement to a well-funded retirement plan.

Download PDF

 

Flow Through Investing (Chartered Accountant Magazine)
 

A more detailed look at the "flow through" tax savings strategy, with more detailed examples.

Download PDF

 

Keeping A Cool Head

Why hot stories can burn holes in your portfolio
 

One of mankind's greatest attributes – and perhaps greatest detractors – is our emotional capacity. Throughout history, this often great quality has decimated many fortunes. Mike explains the importance of establishing a written financial plan to help keep your emotions in check.

Download PDF

 

Health Spending Account

Extended health care for the self-employed
 

This concept is extremely flexible, very cost-efficient, and is solely designed for incorporated business owners who may not have health and dental coverage for themselves or for their family. Mike shows how a Health Spending Account is Revenue Canada's Best Kept Secret for the self-employed.

Download PDF

 

Individual Pension Plan (IPP)

Maximizing Retirement Savings
 

Many people are unaware of the highly effective alternative to RRSPs – the Individual Pension plan. Primarily designed for business owners and executives who earn in excess of $75,000 per year, and are at least age 40, the IPP provides many advantages, including higher contribution limits versus RRSPs. Often referred to as a "Supersized RRSP", Mike explains this interesting, and often misunderstood, option for building retirement savings in a prudent and effective manner.

Download PDF

 

Socially Responsible Investing

A triple-bottom-line strategy
 

Investors are starting to realize that they can help make companies more accountable to environment, social and governance issues. Mike uncovers one of the fastest growing investment concepts to emerge in the last few years; the SRI movement. While 2008 was challenging on your portfolio, SRI investors take comfort in knowing that a portion of their investments are always providing a positive "return" to our overall society.

Download PDF

 

Budgeting
 

Mike highlights some thoughts and strategies for finding your path to financial freedom.

Download PDF

 

Keeping the Family Cottage

Preserving Your Estate
 

Canadian cottages have experienced a dramatic increase in value because of the real estate boom. In this article, Mike highlights a common area that many Canadians overlook, especially when their intentions are to pass the family cottage onto the next generation.

Download PDF

 

ABCs of RSPs
 

In this article, Mike simply introduces the concept of RRSPs and some mutual fund basics.

Download PDF

 

Tax Advantaged Mutual Funds

Corporate class mutual funds
 

A special class of mutual fund offers non-registered investors tremendous tax benefits. Mike shows how you can convert interest income to deferred capital gains, while at the same time increasing flexibility in your mutual fund portfolio.

Download PDF

 

Is An RSP Loan right for you?
 

Sometimes people consider taking out a loan in order to catch-up on missed RRSP contributions, or maximize their current year's contribution. Mike discusses the merits and pitfalls of using an RSP loan.

Download PDF