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 ...

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...

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...

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...

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...

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 works. Here are some rea...

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

On Monday this week, we had an excellent presentation from Blake Attwell and Kathryn Bennett of Desjardins. Blake took us through their product line-up and K...

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

It’s hard to believe but it’s already November. Each year seems to go by faster than the previous one. With year-end coming, I’m getting lots of questions ab...

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

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 considering annuities f...

Please remember that the current version of Empire’s GMWB is changing on October 20th. If you have prospects or clients that are considering purchasing or ma...

Oddly enough, as I was speaking with QFS advisors in Atlantic Canada last week, I said there has been no new investment products development for about two ye...