What Is Financial Planning and Why Is It Important for Your Family?
Financial planning is more than choosing investments or setting a retirement target. It is the process of understanding where you are today, deciding what you want your money to support and building a coordinated strategy to help you get there.
What Is an Estate Bond in Canada and How Can It Support Estate Planning?
An estate bond is not a government bond, corporate bond or investment purchased on an exchange. In Canadian financial planning, the term describes an estate planning strategy that generally uses permanent life insurance to help move surplus wealth toward a future estate or legacy benefit.
What Is an Insured Retirement Plan in Canada and How Does It Work?
An insured retirement plan combines permanent life insurance with collateral borrowing as part of a broader retirement strategy. Learn how it works, who it may suit and what to consider before using one.
U.S. – Canada Trade Tensions
The trade dispute between Canada and the United States has escalated quickly, with new tariffs now in effect and Canada’s retaliation set to begin September 8. Rather than reacting to each headline, we break down the range of likely outcomes and what they would mean for the Canadian economy and your portfolio. Read more for our latest scenario based outlook.
What Is Mortgage Insurance in Canada and What You Should Know
The term “mortgage insurance” can be confusing because it can refer to more than one type of coverage. In Canada, mortgage loan insurance protects the lender if a borrower cannot repay their mortgage. Mortgage protection insurance, including mortgage life insurance, is different. It is optional coverage that may help pay down a mortgage after a covered death, disability or critical illness.
What Is Key Person Insurance and Why Would a Business Owner Need It?
Key person insurance can provide the business with funds to manage that transition. It may help cover lost revenue, repay debt, recruit a replacement or give the company time to make thoughtful decisions.
What the Bank Doesn’t Tell You About ‘Mortgage Insurance’
“Mortgage insurance” was never mandatory. Not legally, not contractually – your house is already the bank’s collateral. Yet plenty of clients sign up for it at the closing table without ever asking what they’re actually buying. The catch: unlike a real life insurance policy, this one often isn’t underwritten until you file a claim.
What Is Discretionary Fund Management? A Guide to DFM and Discretionary Portfolio Management
Discretionary fund management (DFM) is a professional investment service where a portfolio manager makes day to day investment decisions on behalf of a client, within an agreed strategy.
Generational Wealth Planning: How to Preserve, Protect and Transfer Wealth With Purpose
Generational wealth planning is about helping a family understand what their wealth is meant to do, how it should be protected and how future generations can be prepared to receive it responsibly.
What Is Wealth Management? How Integrated Wealth Planning Supports Affluent Families
Wealth management is the ongoing work of organizing, protecting and growing a family’s financial life with purpose.