News & Commentary

Market & Economic Environment Global equities posted their best-ever monthly gains in November, with the MSCI All-Country World index up by a record 11.3%. Risk appetite rebounded as positive news about three vaccines’ efficacy in preventing Covid-19 (greater than 90% in the case of the Pfizer-BioNTech and Moderna vaccines) triggered a massive rotation into stocks […]

If you’re like most people, you probably don’t like paying for insurance. After all, you only get to use Critical Illness insurance when you get sick, and Disability insurance after you’ve been hurt. Neither of those scenarios is desirable. While Critical Illness and Disability insurance can certainly protect you against these potential risks, both these […]

Here are some strategies to help you minimize tax as 2020 winds down. 1) Charitable Donations Donating to a charity during these difficult times not only directs your funds where you think they are most needed, but it also has additional benefit of tax savings. Amounts over $200 to a registered charity qualify you for […]

Many of us contribute our hard-earned dollars into our RRSPs so that we can retire comfortably one day. Because of the taxation of RRSP withdrawals, money contributed should stay inside the RRSP until you are retired and in a lower tax bracket. This makes these funds somewhat illiquid. But what happens if you get sick […]

Market & Economic Environment  Global equities declined in October, posting their biggest weekly drop since March in the last week of the month. Risk appetite was hampered by lockdown measures in some countries that were necessitated by surging coronavirus cases, as well as uncertainty surrounding a potential U.S. stimulus deal. The TSX Composite fell 3.4% […]

When clients sit down to write out their estate goals, they almost unanimously want to ensure that their money is passed down to surviving family members as quickly as possible paying the least amount of tax possible. We also see a growing trend of clients wanting to transfer uneven distributions of their assets to certain […]