Four Key Factors to transfer an inheritance effectively


Arranging the smooth transfer of assets to heirs can be a challenge for many reasons.1 (Manulife Nov. 2021)

The first one relates to time. Often, probate is required before instructions can be carried out and your beneficiaries can receive their inheritance – and the process of obtaining probate can be a lengthy one, frequently taking 6 to 18 months, or longer if it’s contested.

Risks with Do-it-Yourself Will Kits


A will is a key component of an effective estate plan. Advertisements for do-it-yourself will kits leave the impression that one need only fill in a few blanks to create a legally enforceable will. Be careful! ¹ (Sunlife)

Risks with do-it-yourself Wills

You may miss out on tax and personal planning opportunities that do not require a will

Without being properly informed about tax, estate, family and property laws, you run the risk that your wishes are rendered void

Wealth Preservation Using Life Insurance

When people think of Life insurance, at the heart of it, it’s about taking care of loved ones. They see life insurance as a tool that protects people they care about from the potentially devastating financial losses that can result from a premature death. However, life insurance can also help you and/or your estate preserve wealth. Here are four scenarios to consider. 

Use life insurance to fund your retirement

How You Can Benefit From Financial Advice

Everyone has financial goals. Maybe you’re saving for a vacation or buying a car. You might be looking to purchase a home or cover a child’s education. Funding retirement is another common goal. Your own goals could be any combination of these – or you may have others as well.

Whatever your financial objectives, having a plan is the first step towards achieving them. A financial plan reflects your short- and long-term goals, sources of income, savings and debts, time horizon, investment risk tolerance and other factors that are uniquely yours.



Have you ever faced a decision of trying to choose between an RRSP (Registered Retirement Savings Plan) and TFSA (Tax Free Savings Account)? This is a question I get asked often. Hopefully, this blog will give you the insights to help you decide.

A Little Background on RRSPs

Your Questions answered about CPP


A key element of retirement income planning is the sources of retirement income, a major one of which is government benefits such as CPP. The importance of CPP retirement benefits will range from trivial to significant. To get handle on CPP, here are a few central questions answered about CPP. 1 (Investment Executive Nov. 2017)

What is the best age to begin receiving a CPP retirement pension?


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