RETIREMENT PLANNING


Taxes in Retirement

Taxes in Retirement – 6 Ways to beat the system

Do you ever have the feeling that paying taxes is inevitable in retirement? Thankfully there are ways that you can reduce your tax bill. Join our Educational Webinar: Taxes in Retirement – 6 Ways to beat the system for strategies that you can use to keep more money in your pocket. This complimentary webinar will…

The GIS Strategy: How To Receive Tax-Free Income

The GIS Strategy: How To Receive Tax-Free Income

As an Investment Advisor and Certified Financial Planner, I’m relied upon to reduce my client’s tax bill as much as possible. Today, I wanted to share with you a strategy that, if implemented correctly, can see your family receive nearly $140,000 tax-free from the government. That’s a lot of money in your pocket for merely…

The Market Has Never Taken a Dollar from Anyone

The S&P 500 rises to a record close, fully wiping out its coronavirus losses With the US market hitting a new all-time high yesterday, I wanted to review one of my favorite sayings when it comes to investing: “The Market Has Never Taken a Dollar from Anyone” Whenever I mention this to new investors (and…

Getting The Best Of Both Worlds From Your Pension

Wouldn’t it be great to have the benefits of commuting your pension as well as the benefits of a monthly pension? In this brief video, I go over how you can have the best of both worlds. As always, if you’d like to discuss your personal situation and explore your financial options, feel free to…

commuting your pension

How Commuting Your Pension Allows You To Manipulate Your Income

Deciding between commuting your pension or opting for the monthly income stream is a big retirement decision that contains several complexities. In this brief 3-minute video I provide clarity on the benefits of taking the commuted value compared to the monthly income stream. If you’d like to discuss your personal situation and explore your financial…

Understanding the Proposed CSSB Pension Changes

If you have a CSSB pension, there could be significant changes coming that will affect how the commuted value of your pension is calculated. In this quick, 30-minute webinar, I cover: – What changes are being proposed to the Civil Service Superannuation Act? – Why are these changes being recommended? – How will these changes…

Why are markets going up?

Why are markets going up?

Over the past few weeks, I’ve been having this discussion with clients. Why does the market continue to rise while unemployment in the US is sitting at 40 million (the size of Canada’s population), and most businesses aren’t even close to running at 100% capacity? Everyone has their opinions and theories as to what is…

Significant changes being proposed to the CSSB pension

If you have a CSSB pension, there could be significant changes coming that will affect how the commuted value of your pension is calculated. As I’ve mentioned in the past (Pension or Lump Sum, How to Decide), you will have a choice to make upon your retirement as to how you would like to receive…

Financial Advice for Manitoba Hydro Employees

I’ve had the pleasure of working with several clients who work or have retired from Manitoba Hydro. While each person’s financial situation is different, some commonalities exist amongst those sharing and employer. This guide identifies those shared characteristics and provides advice regarding their financial planning implications. What makes your financial situation unique? As an employee…

Buy Low Sell High

Your last chance to buy low

As I write this on April 29th, 2020, US markets have bounced back 31.38% over five weeks from their March 23rd lows. For those of you who invested when markets were down 30%, well done. You have made a rapid 30%. If you hesitated or you still have some cash sitting on the sidelines, I…