A good financial-planning conversation starts with the right questions. These three practical prompts can help you connect your finances to your goals and get more from your next meeting

A beneficiary review is a small financial task with an important purpose: making sure your life insurance still supports the people and priorities you intend.

Helping young people develop a healthy understanding of money gives them more than the ability to create a budget or understand an investment account. It gives them a foundation for making decisions throughout their lives.

For most Canadians, an RRSP is where retirement savings are built over decades. A RRIF is where those savings begin supporting the life you’ve worked so hard to create. That transition is one of the biggest milestones in retirement planning, yet it’s often misunderstood. Many people assume converting an RRSP into a RRIF means cashing in investments or making dramatic changes to their portfolio. In reality, the conversion is usually much simpler than that. The investments you

Your need for life insurance probably won’t remain the same throughout your life. When you’re raising a family, paying a mortgage, and relying on employment income, you may need a substantial amount of coverage. Years later, your mortgage may be smaller, your children may be financially independent, and your savings may have grown. Instead of purchasing one large policy for a single length of time, you can structure your coverage using several term life insurance policies wit

Living longer is becoming the new normal in Canada. Life expectancy for men has risen from 71 years in 1960 to 82 years in 2018. If you and your spouse are 65 today, the chances that at least one of you will reach 90 are higher than you might expect. This shift means planning for retirement and long-term finances requires a fresh approach. You need to prepare for a longer life, and that includes making smart financial decisions now to ensure comfort and security decades down

Managing money can feel simple in theory. Save more. Spend wisely. Invest for the future. Protect your family. But real life is rarely that straightforward. You may be balancing retirement savings, debt repayment, family responsibilities, business decisions, insurance needs, and estate planning all at once. Each choice affects the next, and without a clear plan, it can quickly feel overwhelming. That is where personalized financial advice can help. Why Financial Advice Matter

Canadians file individual tax returns and pay tax at progressively higher rates as income increases. Some countries, such as the United...

It seems like an obvious idea: By starting to save in your 20s rather than your 40s, you’ll have more money by the time you retire. But...

If you’ve built a successful business, you know that having a plan is critical to making it work. By the same token, readying your...

Tim Cestnick, Globe & Mail, Aug. 5, 2022 I’ve got some good friends who are insurance advisers. If there’s one thing they have in common,...