In years past, when an individual was preparing for retirement or leaving their employer for another job, it was commonplace that they would leave their defined benefit pension entitlement with their previous employer with the understanding that they would receive a monthly pension in retirement. Yet in recent years, there are a number of factors which have ‘flipped the script’ on the pension decision. Today, many employees are giving serious consideration as to why they may consider commuting their company pensions.


With April just getting underway, I always get excited this time of year. With each rare glimpse of what a beautiful spring day could look like, I know that warmer weather is on its way. And this means more time out in the outdoors doing the things I love.

As an avid gardener and “green thumb” in my spare time and as a wealth advisor in my professional life, I’ve come to notice some pretty interesting similarities between my gardening habits and how I help my clients manage their hard-earned money.

As a gardener, I’ve noticed the importance of:

How You Can Survive and Thrive After an Increase to the Bank of Canada’s Key Interest Rate

With today’s announcement that the Bank of Canada has decided to raise its key interest rate to 0.75 per cent, it’s first upward move to the cost of borrowing in seven years, I wanted to share what I think are some key insights on what this means for every-day Canadians.

Retirees ask “How does my family home fit into my retirement plan?”

As our population continues to age in Canada, there will be a number of significant issues and trends that will impact the way business and government respond to the needs of Canada’s senior citizens. One of these issues will be the need for proper housing solutions in many Canadian communities due to this phenomenon. Conventional ways of addressing those needs has typically been through downsizing or renovation to an existing home or property. However, there are other notable reasons why one might be considering selling their family home.

International Women’s Day: Honouring Women & Money and Why We Can Do Better

The year is 1989 when Ilyce Glink, then founder and president of Think Glink Media walked into her local bank with her husband to apply for a mortgage. Now sitting down with the bank’s mortgage specialist, Ilyce began describing her monthly income to help the mortgage specialist determine the couple’s borrowing threshold. “Don’t worry honey, your income doesn’t even count”, she recalls being told by the mortgage specialist (1).

Financial Markets React to Trump Victory!

What do we expect from the new U.S. President?

As always, anytime there is an unexpected outcome in political elections, financial markets don’t like the uncertainty. This was evident last night when the future’s markets pointed to fairly significant declines when global markets were set to open for business this morning (1).

During the election campaign, President Elect Donald Trump spoke tirelessly about certain divisive issues, such as:

Travel Insurance: Four Things You MUST Know

You’ve never needed travel insurance until you needed it. Let me start by telling my story.

In my early 20’s, I booked a trip to the Dominican Republic. Being young, naïve and somewhat confident that “it wouldn’t happen to me”, I decided to forego the purchase of travel insurance while away on my one week getaway.

On the very first day of my trip, I had an uncomfortable feeling on the surface of my abdomen. After lying in the sun all day, I felt further irritation. I knew that something was wrong when I woke up the next morning with massive blisters on my stomach.


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