Articles

Congratulations! Your hard work and perseverance have paid off and starting this fall, you’re off to pursue your post-secondary education. It’s something to be proud of, because getting to this point isn’t easy – especially when it comes to saving money and having enough to support yourself until yo...

As a retiree, it’s important to understand how the eligible Canadian dividend income you may receive affects your Old Age Security (OAS) – and whether to do anything about it. Here’s what you need to know to make an informed decision about managing this aspect of your retirement income. Eligible Can...

What happens to your Canada Pension Plan (CPP) benefits if your spouse or partner predeceases you (or you them) may not rank on your list of life’s most pressing questions. However, if you’re unsure about how your CPP benefits work for you as a couple, you run the risk of financial trouble. Danger c...

As an Investment Advisor, you already understand the magic of referrals. They offer instant credibility by affirming your value and the quality of your services. Better still, referrals allow you to gain the trust of prospective clients even before you meet them. You benefit from the halo effect – t...

Workplace pension plans used to be commonplace, but they’ve become a luxury in recent times. Today, only a minority of working Canadians (37.5%) have one.1 However, understanding the ins and outs of pensions – whether you participate in one or not – can offer more context concerning your own retirem...

Although numerous gender barriers have been broken down over the years, at least one remains – women have less money saved for retirement than men. It’s been recently reported that 25% of Canadian women have contributed fewer dollars toward retirement than their spouses.1 The same survey highlighted...

Running a business isn't easy. It takes hard work, perseverance and resilience. It also takes good advice and having the right people in your corner. Here are a few guidelines on growing a business that owners often overlook as they get caught up in the day to day. Partner with professionals who und...

Are you heading into your pre-retirement years? You may be wondering how, when and if you should move to safer investments. You’re right to start thinking about potentially transitioning your portfolio to be more income-focused ahead of actually retiring. After all, investing heavily in stocks may b...

One of the most overlooked strategies for improving your portfolio’s return is to minimize the tax burden on your investments. By structuring your portfolio to take advantage of Canadian tax laws, your Investment Advisor may help you pay less tax, keep more of your returns and, over time, accumulate...

A recent poll by CIBC noted that the vast majority of Canadians do not have a retirement plan in place to help them achieve the lifestyle they dream of in their golden years – and women are even less likely than their male counterparts to be retirement-ready. How do your retirement savings measure u...