Financial Products

Mutual Funds 101

  Mutual funds are the all-in-one package of the investment world and can hold stocks, bonds, money market instruments, and cash all inside one fund. As an investor, you can purchase units (or shares) of a mutual fund and gain exposure to the underlying investments all in one go, with the number of units you…

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Exchange Traded Funds 101

  Low fees, diversification, and liquidity are just a few of the buzz words that come to mind when describing this relatively new investment vehicle, the Exchange Traded Fund. Being traded on major stock exchanges (where the name Exchange Traded comes from), this fund gives new investment opportunities for both first time investors and professionals…

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Guaranteed Investment Certificate 101

  A GIC, or Guaranteed Investment Certificate, is a low-risk investment that is basically the next step up from a savings account at your local bank. Instead of depositing money as you would into a savings account for the sake of saving at a low interest rate, when depositing money with a GIC, you are…

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Registered Education Savings Plan 101

It appears attending post-secondary education is the obvious choice for our young people across Canadian provinces and what used to be a privilege only for the wealthy, has now become the first next step for many who are graduating high school. Apart from scholarships, this can be quite an expensive undertaking between the tuition costs,…

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Registered Retirement Savings Plan 101

Did you know? There was a time where the very idea of retiring was foreign to most Canadians. People would work their entire lives until they died or were too sick or disabled to continue any longer. Given the shortened life span of the average person prior to the institutionalization of retirement, there was simply…

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Universal Life Insurance 101

Universal Life Insurance came into play in the 1980’s to be a more flexible and transparent form of permanent life insurance than the original Whole Life product. Universal Life was created by the stock brokerage firm E.F. Hutton, not a life insurance company, and is without the guarantees Whole Life Insurance has to offer.  …

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Term Insurance 101

Term Insurance is the longest standing type of life insurance. It is considered a temporary form of insurance as its not intended to be maintained for all of life. The reason a person might purchase a Term Insurance policy, for example, would be to cover a financial need such as a mortgage during their younger…

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Whole Life Insurance 101

Understanding the basics of Whole Life Insurance is relatively simple. As the original permanent life insurance, Whole Life insurance is designed to be maintained until death, or 100 years, whichever comes first.  For example, if you are the person getting a Whole Life Insurance policy on yourself, it means that as long as you pay…

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A Beginners Guide To Purchasing Your First Home

  Owning a home is a dream that many share.  It provides a sense of security, pride of ownership, and potential for appreciation.  Over the years, Canadian real estate has proven to be a relatively safe investment, with tremendous long term gains.  Below is a comprehensive beginner’s guide to purchasing your first home.   You’ve…

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Creating a Financial Roadmap for 2021

With the new year only two months away, I think it’s safe to say we’re over the physical, emotional, and financial rollercoaster of this past year and it’s never too early to start looking ahead to what’s next. Right now is the perfect time to re-evaluate your financial situation. After all, there’s nothing like a…

The Tailwind Effect

Thanks for reading The Tailwind Effect! This is the number one most profitable habit you could ever learn and do in your lifetime and is one of the oldest tricks in the book. If you are working as a professional or are a fellow entrepreneur making a good living, chances are you’ve done your research…

Getting Started With Infinite Banking

  Thanks for reading Getting Started With Infinite Banking! We are very excited to help you begin building your financial foundation so you can achieve financial freedom, die without debt, and leave a legacy. As always, our educational resources are designed to give you the tools needed to achieve a strong and stable financial foundation.…

Creating a Financial Roadmap for 2021

With the new year only two months away, I think it’s safe to say we’re over the physical, emotional, and financial rollercoaster of this past year and it’s never too early to start looking ahead to what’s next. Right now is the perfect time to re-evaluate your financial situation. After all, there’s nothing like a…

The Tailwind Effect

Thanks for reading The Tailwind Effect! This is the number one most profitable habit you could ever learn and do in your lifetime and is one of the oldest tricks in the book. If you are working as a professional or are a fellow entrepreneur making a good living, chances are you’ve done your research…

Getting Started With Infinite Banking

  Thanks for reading Getting Started With Infinite Banking! We are very excited to help you begin building your financial foundation so you can achieve financial freedom, die without debt, and leave a legacy. As always, our educational resources are designed to give you the tools needed to achieve a strong and stable financial foundation.…

READ MORE ABOUT HOW TO HAVE GREATER FINANCIAL IMPACT

Today’s Generational Wealth Solution

If you were to invest in an older member of your family and he/she allowed you to do so to create the ultimate family legacy, what investment would be used? Life insurance. Life insurance is the perfect solution for family generational wealth creation. It is a contract the family CONTROLS. The cash value and the…

A Car Loan Nightmare

This couple could have saved nearly $34,000 in interest alone when making a $24,000 car purchase, by starting an IBC policy 4 years earlier.   Recently, I met a young couple with three little kids, two huge dogs, and a massive monthly mortgage payment. They both worked and were struggling to make ends meet. In…

So, You Want More Control Of Your Money?

Thanks for reading So, You Want More Control Of Your Money? We are very excited to help you begin building your financial foundation so you can achieve financial freedom, die without debt, and leave a legacy. As always, our educational resources are designed to give you the tools needed to achieve a strong and stable financial…

Today’s Generational Wealth Solution

If you were to invest in an older member of your family and he/she allowed you to do so to create the ultimate family legacy, what investment would be used? Life insurance. Life insurance is the perfect solution for family generational wealth creation. It is a contract the family CONTROLS. The cash value and the…

A Car Loan Nightmare

This couple could have saved nearly $34,000 in interest alone when making a $24,000 car purchase, by starting an IBC policy 4 years earlier.   Recently, I met a young couple with three little kids, two huge dogs, and a massive monthly mortgage payment. They both worked and were struggling to make ends meet. In…

So, You Want More Control Of Your Money?

Thanks for reading So, You Want More Control Of Your Money? We are very excited to help you begin building your financial foundation so you can achieve financial freedom, die without debt, and leave a legacy. As always, our educational resources are designed to give you the tools needed to achieve a strong and stable financial…

READ MORE FROM A FINANCIAL ADVISOR'S PERSPECTIVE

These Are Interesting Times Indeed

NOTE: You have two choices. I have written this article to address some of the more frantic questions I have received in the last 6 weeks on matters of finance, the economy and the market and what to consider next. Choice 1 – Reading and understanding the entire article will take you about 30-45 minutes.…

Why Government Fights the Entrepreneur

Politics is boiled down to a bunch of people who want to make decisions about your life. Politicians leaning on the right typically want to determine what your personal life looks like. Politicians on the left typically want to determine what your financial life looks like. Governments who are left such as any NDP party…

At What Cost? Series: On Opportunity Costs

  Part 2 of a 2 Part Series Building wealth isn’t a set it and forget it kind of deal – it’s a decision that’s made every single day and it all starts with a good education. There are of course, many financial strategies that are out there for building wealth. However, as Roberta Kiyosaki…

These Are Interesting Times Indeed

NOTE: You have two choices. I have written this article to address some of the more frantic questions I have received in the last 6 weeks on matters of finance, the economy and the market and what to consider next. Choice 1 – Reading and understanding the entire article will take you about 30-45 minutes.…

Why Government Fights the Entrepreneur

Politics is boiled down to a bunch of people who want to make decisions about your life. Politicians leaning on the right typically want to determine what your personal life looks like. Politicians on the left typically want to determine what your financial life looks like. Governments who are left such as any NDP party…

At What Cost? Series: On Opportunity Costs

  Part 2 of a 2 Part Series Building wealth isn’t a set it and forget it kind of deal – it’s a decision that’s made every single day and it all starts with a good education. There are of course, many financial strategies that are out there for building wealth. However, as Roberta Kiyosaki…