Estate & Wealth Transfer Lunch & Learn Seminar

Would you like to find out about:

  • common estate planning mistakes & pitfalls?
  • little known methods to reduce or eliminate estate settlement fees?
  • proven charitable gifting strategies?
  • GIC alternatives?
  • methods for tax effective family wealth transfer & succession planning?
  • economic outlook and 2019 market update?

Join us for a lunch & learn seminar on February 28, 10-2 in Wyoming at the Lions Hall.

Call 519-845-3914 to register.  Limited seating!

Click on the following link “seminar poster” for more information.

Seminar Poster

How to become a super-saver

Saving money isn’t a super-power, but it does take effort — and a bit of imagination. Three successful savers share their secrets.

Everyone knows that saving money isn’t always easy and, over all, we don’t save enough. According to the 2018 Sun Life Financial Barometer, a national survey of 2,900 adults from 20 to 80, the average Canadian carries $18,660 in non-mortgage debt, while 24% of working Canadians have dipped into their retirement savings to pay off debts, cover health-care costs, or take a vacation.

Yet, there are some super-savers out there. Jackie Silverberg, a 68-year-old retiree, takes three trips a year, but rarely taps the money she’s earmarked for travel. Jason Campbell, 40, has taken three work sabbaticals and has paid off half his mortgage four years into being a homeowner. Erica Berman, 44, and her husband bought their car with cash. They have no mortgage and have amassed considerable retirement savings.

So how have these three people bucked the no-savings trend, and what tips do they have for those who are struggling to save? Here’s their advice.

Have a savings philosophy

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7 tips to kick-start healthy eating habits after the holidays

Ready to bounce back from your holiday food hangover? A nutrition expert weighs in on how to develop a healthy attitude about eating in the New Year.

The holidays might not be the healthiest time of year, but there’s no shame in revelling in a season full of indulgences – especially if they come in the form of herb-glazed turkey, rich and buttery shortbread cookies or eggnog with a kick. But with the festive season done with and a New Year beginning, you may be looking to jumpstart your January with better eating habits.

Toronto-based dietitian Shahzadi Devje, RD, CDE, MSc, offers these healthy eating tips if you’re aiming to keep your New Year’s resolutions or recovering from a few too many of those holiday indulgences:

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3 smart ways to boost your RRSP contributions

As your income goes up, so should your RRSP contributions. Find out how a small increase can make a huge difference.

If you’re a younger worker with a large mortgage and small children, it may be a stretch to contribute even $100 a month to your registered retirement savings plan (RRSP). But as your income goes up, increasing your monthly contributions each year by only a small amount can make a huge difference.

For example, let’s assume that you start an RRSP at age 35 and plan to retire at age 65. Initially, you contribute $100 a month ($1,200 a year) at an assumed 4% growth rate.

According to our RRSP contributions calculator, if you continue to save at this rate, after 30 years you would have $69,994 in your plan. However, if you increase your monthly RRSP contributions by $50 each year, by age 64 you would be contributing $1,550 a month ($18,600 a year). As a result, you would accumulate $476,924 in your RRSP account by your planned retirement date — nearly 7 times as much!

Here are 3 ways to boost your RRSP contributions:

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For love and money

Talking about money in a new(ish) relationship.

Growing into a relationship is partly about discovering the things two people have in common – from favourite activities and hobbies to shared attitudes and beliefs. And, while it may not be one of the first subjects to come up, the topic of money is bound to surface as a relationship gets more serious. Here are some things to consider when beginning to talk about money in a relationship.


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Your financial checklist: 6 smart money moves to make before the year ends

Want to take control of your finances before the New Year? Check off these items from your financial to-do list this month.

With the New Year around the corner, Canadians everywhere are looking to kick off their new health, fitness and financial resolutions. But before you kiss 2018 goodbye, there’s still time to tick off a few things on your financial checklist.

Here are six smart financial moves you can make now that can help you next year, especially when tax season rolls around.

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The next chapter

Build a succession plan well before it’s needed.

Whether a business is at the stage of attracting investors, or an owner is considering handing the business off to pursue other opportunities or retire, having a formal written succession plan is essential for business owners. A recent study found that close to 60 per cent of Canadian small and medium-sized business owners are age 50 or older, and close to 40 per cent plan to exit their business within the next five years. The majority of those surveyed cited retirement as their main reason for moving on.[1] Yet just nine per cent of small and medium-sized business owners have a formal written succession plan.[2]

Why plan now?

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Say yes to less stress

Stay calm and collected with these nine tips.

Stress takes its toll on our bodies. It affects us physically, depletes us emotionally and drains us of our ability to focus and be productive. In fact, many illnesses, including diabetes, heart disease, asthma, depression and anxiety, are caused or made worse by stress.1 When the going gets tough, try these strategies to persevere.

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8 smart ways to shop on Black Friday without breaking the bank

Want to avoid overspending this Black Friday and Cyber Monday? Keep these money-saving tips in mind as you shop.

November marks the unofficial beginning of the holiday shopping season as Canadians start flocking online, to the nearest malls or across the border to seize the best deals on Black Friday.

Originating in the States, Black Friday and Cyber Monday are notable shopping days that fall on the Friday and Monday after U.S. Thanksgiving in late November. And since Canucks love a good bargain, it’s no surprise that Canadian retailers have adopted these sale events here at home over the last decade. Of course, that hasn’t stopped many of us from still heading south for a bit of cross-border shopping.

There’s nothing wrong with enjoying a good sale from time to time – be it here, in the States or online – but we’re assuming you’d prefer to take part in one without breaking your bank account. To help get you ready for Black Friday sales this year (November 23), here are some cost-saving tips to consider before you buy:

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You’ve been asked to be an executor … now what?

What to consider when someone invites you to take on this important responsibility.

Being asked to be an executor1 is an honour. It means that someone trusts you to manage, with diplomacy and grace, a wide range of important tasks after their death. It’s also a big responsibility. An executor quite literally executes the terms of a will, and there’s a lot more to that than simply ensuring beneficiaries receive their bequests. Here are some things to consider when someone pops the executor question – and always keep in mind that help is available if you need it.

What will you have to do?

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