We are often asked by a client if they should take the commuted value of their defined benefit pension plan or keep it in place. This question cannot be answ...

Remember the financial crisis of 2007-2008? Of course, we all do. Built on the assumption that property values can never go down, people with no income or as...

Undoubtedly, we’ve all received calls from scammers looking for us to send money or give over our credit card information. Recently, an advisor I know was ...

As a follow up to the Best Doctors seminar we had this week, I invite you to answer the following. What are the things that keep us up at night? Money and ou...

Hopefully by now you have started to reach out to your clients to discuss their mortgage needs. If not, what are you waiting for? These are missed opportuni...

For a client who wants to preserve and transfer his or her wealth to two successive generations, a tax efficient option may be a permanent life insurance pol...

Every advisor has had an experience with a reluctant client. You’ve done a thorough job of understanding their needs, completed a full financial needs analys...

Sometime last year I saw for the first time "Reason Why" letters. These letters can be used for your files to create a record of what you presented and what ...

As many of you know, Rick Gallant has joined QFS and will be supporting advisors on the wealth side in Atlantic Canada and Quebec. Rick has been an advisor...

We had some great presentations from La Capitale and RBC at this week's Money Monday. Here are some highlights from La Cap: Fees the same as the underlying...

This time, let’s take a look at successor owners and annuitants. Generally, these options apply to non-registered contracts. A successor owner is the person w...

The only savings vehicle for many Canadians is their RRSP. In light of this, the government allows first time home buyers to effectively borrow from themselv...

Sometimes the biggest challenge is explaining why a certain insurance product is essential at a given life-stage. Often, it’s difficult to assess just how im...

It’s hard to believe that another RRSP season is almost gone. RRSP seasons aren’t as frantic as they used to be but there is still a lot going on. I was re...

Tired of declined cases? Here are some of the top reasons for why insurers do not approve those cases: Overweight Income Alcoholism Elevated Cholesterol Elev...

Last week I was approached to help on an interesting case. Without going into the specific details, here is the scenario. A young man has learned that he d...

When Darryl Loftus retires this spring from his job at a regional trucking company, he will have an enormous decision to make. Should he opt for the single l...

Recently, we’ve had a few interesting days in the markets, with wild swings in major indices. Should it be any surprise to us that markets go up and down? We...

The legalization marijuana in Canada certainly has created a lot of buzz in the investment community. Is everybody really making money? Is it too late to get...

Everyone’s time is so precious; why not optimize your time with clients by helping with their RRSPs and TFSAs at the same time? I understand that many clie...