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Time for a financial wellness checkup?

Four trouble areas, and how a planner can help The Covid-19 pandemic and lockdowns have created plenty of financial stress for individuals and families. Temporary or even permanent income loss has been only partially mitigated by relief programs, such as the Canada...

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A 5-point prescription for healthy finances

Don’t let pandemic woes infect your bank balance The COVID-19 pandemic has thrown many families’ financial plans into disarray. And while restrictions are gradually being lifted, activity is still far from normal. And, if the experts are right, there’s still the...

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RRSP still the best choice for most Canadians

Powerful tax-deferred retirement savings plan Registered Retirement Savings Plans (RRSPs) are still the best retirement saving and tax-deferral opportunity available for most Canadians. Trouble is, many of us just don’t use RRSPs to their full advantage. Unused...

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Quick tips to remedy seasonal spending disorder

How to put your money on a leash A kind of money madness seizes people at this time of year. The expectation of ever-larger-better-bigger-pricier gifts is aided and abetted by retailers offering deals, promotions, and sales on all manner of shiny baubles and...

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The seven sins of financial planning

How to stay on the virtuous path At this time of the year, when Black Friday madness looms, and financial responsibility seems to evaporate for many people, it’s helpful to revisit what I consider to be the most common financial and planning errors most people...

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Budgeting for wealth

Little changes can make a big difference As this is Financial Literacy month, and the theme is “Take Charge of Your Finances!”, I want to talk about the very foundation of financial literacy, the building block of successful financial management: the budget. I can...

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School’s in session – and it costs!

How to cope with higher education’s sticker shock There’s no two ways around it: The cost of a post-secondary education is high. For some, it’s a real challenge to make ends meet while attending college or university. In fact, students can expect to pay a total of...

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Is $1 million enough to retire on?

Let’s say you’ve accumulated a nest egg of $1 million at age 65, through pension plans, perhaps a significant RRSP, TFSA contributions, some inheritances, and possibly some money left over from downsizing your home. You’re ready to retire, and you have to decide...

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How to retire with $1 million

Reach that magic number even if you start at 40 It’s sometimes said that you need at least a $1 million retirement fund to maintain the kind of lifestyle you want after age 65. But starting at, say, age 40, can that even be done? The good news is that it is...

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