Financial Service Advisor offering Life, Health, Group Insurance & Investments. Mutual Fund Advisor. Licensed & Registered in the Province of Ontario.
Mutual Funds distributed through Desjardins Financial Security Investments Inc.
Fall, a beautiful time of year!
"While banks in Canada get as much appreciation as the Beatles... life insurers are treated more like Nickelback... subject to an almost irrational level of ridicule, despite achieving amazing commercial success and having sold more than 50 million albums worldwide" said Grauman
😂🤣This is hilariously true
Canadian rock band Nickelback deserves more respect, and so do the country’s life-insurance companies — at least according to Meny Grauman.
Understanding the type of account best suits your unique needs is crucial to maximizing your earnings/saving potential❗❗❗
Contributing to a registered disability savings plan (RDSP): https://www.moneysense.ca/columns/ask-moneysense/which-savings-plans-should-a-37-year-old-with-a-military-disability-income-contribute-to-and-when/
Financial planning is a dynamic process. It is not something you can buy online or on the shelves. It is an ongoing process that requires a balance of expertise and adaptation. When was the last time you reviewed your financial plan?? bank
Start saving for retirement in a Registered Retirement Savings Plan as soon as possible. Make sure you're saving at least 10 per cent of your income. Don't spend more than a third of each pay check on housing -- but don't rent forever either.
Peter Hodson: These thought processes get in the way of investment success
Whether money management has always been a challenge or the fallout from the coronavirus killed your budget, it's important for your financial future to start one now or get back into the habit, even if you’re going to be working with a particularly tight budget.
Money mistakes can be devastating for low-income households. To help those who are struggling, we rounded up 12 budgeting tips for lower income families.
We all want to earn as much money as we can and be able to achieve financial freedom. But you need to understand that financial success doesn’t just mean saving your earnings. Here are 5 easy tips to set you down the path of financial freedom
You need to understand that financial success doesn't mean saving your earnings. That's only a small part of it, and there are so many factors you need to keep in mind when you want
With the oil industry about to release their earnings reports, as well as this year being labeled "a rebuilding year", we will unfortunately witness the true cost of pandemic priced oil.
Remember when oil prices crashed below zero for the first time in history?
Only a recovery in the outlook for real estate is keeping broader confidence levels from outright declines
Yes, life’s big milestones are easier to afford with a second income. But with planning and expert advice, single Canadians can still get ahead.
Regardless of how you came to fly solo, there are unique financial challenges to manage. Learn how you can live life to the fullest without sacrificing enjoyment.
The twitter accounts of celebrities like Kanye West, Elon Musk, Apple, and host of others were all hacked simultaneously in an apparent Bitcoin scam!
It's important to educate yourself on financial cyber-security or at the very least have certified financial expert in your corner to consult so you can avoid being a victim of such scams.
They duped people into sending at least $120,000 worth of Bitcoin to an anonymous online wallet, and more than half of that total has already been spirited to other accounts.
Thinking of shifting funds from your individual RRSP to your employer's group plan? Consider more than just historical returns: https://www.moneysense.ca/columns/ask-moneysense/transferring-rrsp-money-to-company-pension-plan/
These are some fascinating reads that could help you avoid making mistakes while on the road to financial freedom. .
But it doesn't really matter what personal finance path you take, or book you read, as long as you're moving forward!!
Contact me and let's discuss what your personal finance path could look like
These top personal finance books will help you get Money Fit. From investing to starting conversations about money, these reads cover it all.
Everyone's financial situation is unique to them. The key is to be able to have someone you can have a candid conversation about where you stand.
As a qualified professional I know how to make your money matter.
OTTAWA — As governments roll out plans to reopen the economy in the wake of the COVID-19 pandemic, experts say individual Canadians need to update their own financial plan to move forward too.The . . .
🏡 Are you thinking of renovating a room in your house or installing a swimming pool this summer? Discover our tips for planning, financing and successfully carrying out your renovation projects.
Will transferring ETF shares from a non-registered account into a TFSA trigger the "superficial loss rule?" https://www.moneysense.ca/columns/ask-moneysense/triggering-losses-by-transferring-investments-to-a-tfsa/
Boosting your immune system and taking care of yourself are important part of life. But equally important is your financial health.
Yes you might be taking care yourself but are you avoiding financial difficulties that will damage your health?
As a retiree, taking care of your health is essential. But beyond exercising and eating right, there's something else that's equally important that you need to do: Aim to avoid financial problems.
Don't let your legacy become a financial nightmare for your family
How important is it to name a beneficiary for each of your investment accounts? Jason Heath breaks it down: https://www.moneysense.ca/columns/ask-a-planner/considerations-when-naming-investment-account-beneficiaries/
Unlike Canada's original trade deals with the U.S., the new NAFTA doesn't substantially liberalize more trade. Most North American tariffs had been eliminated already.
🇨🇦 Happy Canada Day! 🇨🇦
If a conversation is tough, then it's worth having. Have you chosen a executor for your will? Your executor will be responsible for protecting and administering your estate and distributing your assets to your beneficiaries. A will is essential for not the future of your financial legacy but your current financial plan.
Your executor is responsible for protecting and administering your estate, and distributing your assets to your beneficiaries. These are key duties that require a substantial amount of time and effort – and the ability to make intelligent decisions.
Right now a lot of people are experiencing financial anxiety. Let's discuss the validity and misconceptions behind your worries.
Most importantly I'm always here to discuss the solution to any of those worries.
Are you worried about your finances in the wake of COVID-19? Here are 8 truths and misconceptions about debt and tips on how to navigate during this time of uncertainty:
Troubling news from Fidelity's Retirement survey❗
🍁Canadians🍁 near and in retirement are more negatively impacted by COVID-19 than the Great Financial Crisis❗
Ease the stress of this news and take action by simply updating and developing a financial plan with professional...
Do you have dedicated professional that understands the complexities of your financial❓
/CNW/ - Fidelity Investments Canada ULC, one of Canada's top investment management firms, today released Retirement 20/20, an annual survey that examines...
‘Fundamentally, humans are scrappy and resourceful when faced with crises,’ one small-business owner says
Life insurance may seem like a scary thing to think about but it is an essential part of financial planning. We've all had to be strong in the face possibly grim circumstances during the last few months. Don't let fear ruin your financial legacy
Whether the pandemic or other life events have brought you to the point of a life insurance purchase, here are top tips if you’re looking at term life insurance.
Providing for aging loved ones requires expert knowledge of resources and financial planning. Especially now, your outlook on options may have shifted with all of the controversy regarding long term facilities. You need someone who can ensure you and your aging loved ones have the funds to make the right choice for your situation. Do you have that person in your corner? 👵👴
Experts say that too often, people fail to anticipate the long-term needs of aging and are unaware of the various forms of government assistance available to them
I've seen discussion among some potential first time home buyers about the economic crisis triggered by the #COVID19 pandemic possibly containing a silver lining for them. I'd suggest if you're looking to buy your first home implementing these 6 strategies
It's important to consider not only what you can afford now, but what you’ll be able to swing if a baby comes along, your career goes off-track, or the property you buy needs a major repair.
🟩🟩So proud of my company colleagues🟩🟩
It's inspiring to work alongside people that also
value the unparalleled fulfilling feeling of giving
back to your community!!!
We’re so proud of our Desjardins employees who have stepped up to give back during this difficult time. Click the link to learn more about how they’re helping our local communities and frontline workers: https://blogues.desjardins.com/press_release/2020/05/desjardins-agents-and-employees-give-back-to-their-communities.php
World Elder Abuse Awareness Day, marked every year on June 15, acknowledges elder abuse as a public health and human rights issue. Let's all reflect on how we can better help those who raised us and helped craft our world today.
On the occasion of World Elder Abuse Awareness Day, here are some tips to help you detect and prevent various types of financial abuse. 🔍👇
Is it a good idea to borrow money in order to invest?? Somewhat of a controversial topic. Like a lot of things in life it's all about measuring risk and return
Should you borrow to invest? Certified Financial Planner Jason Heath looks at the options: https://www.moneysense.ca/save/investing/borrowing-money-to-invest/
Desjardins Insurance Agents
At Desjardins Insurance, everyone is included, without exception. We join our voice to each and every one who emphasizes values of integrity, respect and equality, and who fight against racism or any other form of discrimination.
Do you owe on your 2019 income taxes?
If you do, you now have until September 1, 2020, to pay without incurring any penalties or interest. But what if you can’t pay?
Do you have someone on your side to walk you through your options?
It’s tax time – what if you can’t pay up? We discuss different options, such as CRA payment plans and other tax relief options.
Historically low interest rates, surging markets but economists and news pundits are still predicting a looming economic depression/recession. Are you well equip to adapt financially to these uncertain times?
Are you feeling uneasy about your financial situation? Let me know if you want me to add you to my email distribution list so you can get more information on your options [email protected]
HSBC has announced the lowest 5-year fixed mortgage rate in Canadian history at 1.99% (it's available only with default insurance): https://business.financialpost.com/real-estate/mortgages/five-year-fixed-mortgage-rate-in-canada-falls-to-1-99-for-first-time
120 King Street W. Suite 210
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What I can do for you...
My mission is to provide sound advice and help you achieve your financial security goals by listening to your priorities and aspirations. I help you identify your short and long-term needs and develop a suitable financial security plan
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174 King St W
174 King St W
21 King Street West 5th Floor
191 York Boulevard
31 King Street East, Suite 100
31 King Street East
181 Main Street West
Central Office: 123 James Street North, Suite 300
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80 Queen Street North
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Health Science Centre, Room 1M1 - 1280 Main Street West
904-93 Bold Street