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Feb 21, 2019
1 min

Beware of 10 Year Returns

Remember the financial crisis of 2007-2008? Of course, we all do. Built on the assumption that property values can never go down, people w...

QFS

Jan 31, 2019
2 min

Scammed...almost

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

QFS

Apr 12, 2018
1 min

Reason Why

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...

QFS

Apr 5, 2018
2 min

Services Canada

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...

QFS

Mar 29, 2018
1 min

Money Monday Recap

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 sa...

QFS

Mar 15, 2018
2 min

Successor Owners and Annuitants

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

QFS

Mar 1, 2018
1 min

Home Buyer's Plan

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

QFS

Feb 22, 2018
1 min

RRSPs and Bonuses

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 ...

QFS

Feb 15, 2018
2 min

RRSPs and Dependents

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

QFS

Feb 2, 2018
1 min

Marijuana Stocks

The legalization marijuana in Canada certainly has created a lot of buzz in the investment community. Is everybody really making money? I...

QFS

Jan 25, 2018
1 min

RRSP-TFSA Doubleheader

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 under...

Reasons for Spousal RRSPs and The Attribution Rule

QFS

Dec 14, 2017
2 min

Reasons for Spousal RRSPs and The Attribution Rule

This week I had a few questions on spousal RRSPs. So, I thought I’d review some reasons for having them and how the attribution rule work...

Segregated Funds vs. Mutual Funds and Index Portfolios from IA

QFS

Dec 7, 2017
1 min

Segregated Funds vs. Mutual Funds and Index Portfolios from IA

We are all faced with explaining the differences between segregated funds and mutual funds. With that in mind, I’ve put together this sim...

QFS

Nov 30, 2017
1 min

Desjardins Investment Line-Up

On Monday this week, we had an excellent presentation from Blake Attwell and Kathryn Bennett of Desjardins. Blake took us through their p...

QFS

Nov 21, 2017
2 min

Year-End To-Dos

Dear Associates, Year-end is quickly approaching so here are five ideas to help you strengthen your client relationships. Set up a Mini...

QFS

Oct 26, 2017
2 min

Longevity and Solvency

This week I read two interesting articles in The Financial Post that made me think about the guarantees we can offer your clients. The f...

Annuities are beige. But sometimes, beige isn't such a bad thing.

QFS

Oct 19, 2017
2 min

Annuities are beige. But sometimes, beige isn't such a bad thing.

My past week has been filled with requests for single premium annuity quotes, which leads me to believe that more and more of you are con...

QFS

Sep 21, 2017
1 min

Registered Education Savings Plan

It may be a coincidence, but when school starts in September, it seems I get to help with a lot of RESP cases. It’s one of the easiest sa...

QFS

Aug 31, 2017
2 min

TFSAs and Successor Annuitants

At our last Money Monday, TFSAs with successor annuitants was discussed. Before I get into that topic, here’s a quick refresher on TFSAs....

When should I start my Canada Pension Plan?

QFS

Aug 18, 2017
1 min

When should I start my Canada Pension Plan?

Dear Associates, At a recent client presentation, this question was on the minds of everyone in attendance. As a refresher, we are pe...

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