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Financial Articles

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Banking, Financial Services, Artificial Intelligence, Digitization, and what it means for you? What you need to know!

How will this affect you, and what does it mean for you? Do you value relationships, and the trusted advice of your planner? Read on, consider the content of this blog, and decide for yourself, what action should you take, if any at all? My generation was taught to appreciate the values of hard work, family, friends, and personal relationships. In the 70’s it was groundbreaking to have a party line if you know what that is, and you were from a rural setting, then you likely are a baby boomer or retiree. For those who don’t know, the phone...
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Best financial practices for busy medical clinics

The medical profession is unique. Doctors have spent years in school, pre-med, and residency. As a medical professional, you are now responsible for managing the health of your patients, clinical, administrative duties, and coordinating with other physicians. Trying to find time in your calendar for medical research and advances, you have a full plate, that it may become easy to overlook your financial health. Some of the doctors we work with make the worst patients because they often ignore their well-placed advice. “If you don’t look after this now, you will pay later.” Three Core Areas of A Practice Creating...
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Starting Over, Separation, Divorce, and Death

No one wants to think about death, divorce, or separation. One of every three marriages now ends In separation or divorce, and there are always consequences, some obvious, some not. In the absence of wise counsel during the development of the separation and divorce agreements, financial implications can be devastating for those involved, especially if you have young children. We, as humans are emotional beings, and respond very differently when faced with this reality. Before separation or divorce, it is likely that beneficiaries, in some cases irrevocable beneficiaries were assigned to registered assets, insurance policies, and other agreements currently in...
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Financial planning advice for MDS and the Professional

In today’s world, the stakes have never been higher for HNW professionals, whether an LLP, CORP, a young professional finding their way forward. Unless you were born with copious amounts of personal wealth, beginning your practice with sometimes, above-average student debt when compared to trades or professions is your reality. Statistically, student debt for an MD averaged 158,000.00 in 2011 according to their statistics. Many of the practitioners we work with, graduate with a student debt of, more than 200,000.00. https://www.doctorsofbc.ca/news/facts-cost-becoming-doctor Q: What are the disciplines of Financial Planning required? A: Tax Planning, Cash – Flow, Education, Debt, Investment, Insurance, Retirement,...
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How do you manage your time, and will I run out of time?

Is time the key to all things in life? Whether starting in life, or your best years are in the rearview mirror, time, it seems we never have enough time. Though I am currently sixty years of age, I mentally feel thirtysomething. Ah, yes, age is a “State of Mind.” You may ask, what am I trying to Illustrate? Please read this in its entirety, and ask yourself this one question? Do I have the time, education, resources, and the stamina to build my financial road map? If no, is the answer, we should a chat over what is important...
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Protect what matters most to you

Many Canadians think of Insurance after the event has happened, typically Death, Disability, Failure of Health, or Long Term Care needs. Insurance comes in many Types. Term, Disability (Covers loss of Income), Whole or Permanent Life (Asset Class with Cash Value & Death Benefit), Critical Illness( Failure of health covers Twenty Five major Illnesses), and Long Term Care Forthis blog, we will focus onTerm, Creditor, and Mortgage Insurance. While I am an eternal optimist and would like to believe, that we sail through life with as much as a scratch. Statistics tell a very different story. I know first hand...
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