We are thrilled to announce that we were nominated and WON the 2023 Faces Magazine Award for “Wealth Management Firm of the Year” in Ottawa. Thank you to everyone who took the time to vote and show your confidence and trust in our team caring for our client’s financial health…

All investment advisors the public interacts with should be registered with the provincial and national industry regulators.  In Ontario, that means the Ontario Securities Commission (OSC) and nationally, the Canadian Investment Regulatory Organization (CIRO).  CIRO replaced the Investment Industry Regulatory Organization of Canada (IIROC) earlier this year when the Mutual Fund Dealers Association (MFDA) and IIROC merged.  Wow!  There is more when you introduce insurance licensing which we are certainly part of through Mandeville Insurance Services Inc., but let’s leave that for another day.

Rising interest rates, high inflation, recession fears, political stalemates, and war are some of the headlines we have become accustomed to seeing every day over the past two years. With so many such headlines, it can be hard to focus on the long term. While navigating these troubling waters, some may find themselves inadvertently making financial mistakes that can have a serious impact at retirement. One of the more common, and potentially devastating, mistakes is selling your investments to buy GICs or other guaranteed investments when markets are in a downturn. This is why having a financial plan, owning quality securities, and being prepared is so critical to financial success.

Life insurance is not just a “death benefit.” It’s an important tool that can help save money and transfer wealth, particularly for individuals with high net worth.
Throughout my 30-year career, I have observed some common misconceptions about life insurance products. For many, life insurance is simply a reliable, long-term way to make sure their loved ones are financially secure after they pass. While this is true, for wealthier individuals, there’s much more that life insurance can do.

I’ve been getting a lot of questions lately about mortgage renewals – not surprising, given the steady rise of mortgage rates over the last couple of years. People with mortgages renewing in 2023 and even 2024 are justifiably concerned about what their new mortgage will cost, what impact it will have on their cash flow, and whether or not they will even be able to pass the stress test with today’s rates!

Our primary goal is to ensure Electronic Funds Transfers (EFTs) and Wire orders are initiated, executed, and approved in a secure manner while meeting the needs of our clients. We want to ensure that you receive your fund requests when you need it; for example, buying a new car or any other purchase.

Please be reminded of the following process to ensure no delays are encountered for funding requests.

After the rally beginning in December, equity markets have had a tough time for the past month or two; continued fallout from higher interest rates, a series of large-scale banking failures, and the continued concern over an economic “soft or hard” landing.

While at this time of year, everyone is focused on scrambling to gather their tax slips, find receipts for deductibles, expenses, and any other items to claim on their tax return, this is only one element of the bigger financial picture.

On March 28, 2023, the Deputy Prime Minister, and Finance Minister, the Honourable Chrystia Freeland, presented the Federal Budget 2023 to the House of Commons. The budget proposed no changes to personal or corporate tax rates or the inclusion rate on taxable capital gains.

If you’re struggling financially as a result of increased living expenses and interest rates, you are not alone. A lot of Canadians are feeling a little helpless these days, with talk of rising interest rates and inflation dominating news headlines.

You can use life insurance with financial planning to offset taxes on inheritances and cover other fees after death. Because life insurance provides an immediate, untaxed payout, it is easier for heirs to leverage these funds to handle costs immediately following the death of the insured. It’s understandable if your life…

Our primary goal is to ensure Electronic Funds Transfers (EFTs) and Wire orders are initiated, executed, and approved in a secure manner while meeting the needs of our clients. We want to ensure that you receive your fund requests when you need it; for example, buying a new car or any other purchase.

Please be reminded of the following process to ensure no delays are encountered for funding requests.