The Problem: Sequence Risk Meets Longevity Risk David and Marie are a 65-year-old married couple preparing for retirement. With $1 million spread across Defined Contribution (DC) pensions, RRSPs, TFSAs, and non-registered accounts, they feel a quiet contentment about reaching this financial milestone. However, recent events have...
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The Problem – Choosing the Right US Market Exposure You’ve decided to add US equities to your portfolio but now comes the tricky part—choosing between the S&P 500 or a total US market ETF. They both sound great, but which is right for you? If you follow...
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The Lure of the Tax-Free Millionaire Dream Larry MacDonald of The Globe and Mail has highlighted remarkable success stories of investors turning their Tax-Free Savings Accounts (TFSAs) into million-dollar windfalls. With $102,000 in cumulative TFSA contribution room as of January 1, 2025 (for those eligible since...
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Investing on your own can be rewarding, but it’s not without its difficulties. Adam Bornn, from Parallel Wealth, highlights eight challenges DIY investors often face in his YouTube video, "8 Hidden Challenges Every Investor Should Know." While Adam provides valuable insights, his perspective seems to assume...
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The Problem Nobody Sees Nearly 200,000 pension plan members in Ontario alone are “missing,” leaving $3.6 billion in unclaimed assets, according to a report from the National Institute on Ageing.* Who are these “missing pension plan members”? They are individuals entitled to pension benefits but disconnected from...
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Market Forecasts Are a Problem The Issue Back in my discount brokerage days when I was licensed for US investors, I once spoke to a person who held only cash in what was left of his investment portfolio. He had sold his stock holdings shortly after Barack...
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The Trouble The Overconfident Investor Andrew, 40 years old, single, and an always-in-demand skilled tradesman in the Greater Toronto Area, believes he has cracked the code for successful stock trading. Armed with flashy charts and tables as well as stories of success he’s read in the Facebook...
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Balancing Taxes, Investments, and Borrowing As Edi and Roy approached their retirement, they faced a common financial planning challenge: how to fund a $200,000 renovation to their home without derailing their carefully laid plans. With a healthy $3.5 million in assets split across joint non-registered accounts,...
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In the YouTube video A Day in the Life of a Financial Advisor – Funny or Truth, a woman sits down with a financial advisor, unknowingly burdened with misconceptions and a dose of naïveté about personal finance. Her questions and concerns provide a helpful reflection...
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The Income and Wealth Gap The Context An unattached Canadian is a person not in an “economic family,” that is, a person living either alone or with others to whom he or she is unrelated, such as roommates or a lodger. Unattached Canadians are a growing demographic...
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