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When does it make sense to pay off debt with investments?

There is no hard or fast rule BUT if the cost of borrowing increases to 5% you may want to consider cashing in investments to reduce exposure to debt.  If rates are lower, and taking into consideration where we’re at in a market cycle whether we’re in a bull or a bear market, it makes […]

Robert Ward presents Tax Cuts and Jobs Act of 2017

We had the honor of listening to Robert Ward of WardChisholm, P.C. speak about the Tax Cuts and Jobs Act of 2017 and its impact on Canadians doing business in the US and US citizens living in Canada. On December 22, 2017 President Trump signed the Tax Cuts and Jobs Act into law. This is […]

Budget 2018

The new federal budget includes several measures that target the cornerstone of the Canadian economy: small and medium sized enterprises (SMEs). How will the new budget affect you and your business? The restrictions on income splitting introduced in 2017 and the new passive investment income rules from this year’s budget legislation are the most significant […]

Should I pay for my insurance annually or monthly?

Save premiums on your term life, disability and critical illness insurance by paying annually instead of monthly. The insurance companies charge almost a full 13th month for the privilege of paying on monthly through pre-authorized chequing (PAC).  If you can afford it from a cash flow perspective, you can make the change anytime throughout the  […]

Cindy speaks at St. George’s School Career Day

Cindy had the honor of presenting at the annual St. George’s Careers Day event on March 9, 2018. This year’s theme – Finding your Purpose: Not Just a Job – corresponds with their efforts to help their students strive for purpose and meaning in the planning of their post-secondary studies and future careers.  This goes […]

Cindy featured in Business in Vancouver Retirement Ready Magazine 2018

The federal government has introduced changes that will affect how you save for retirement. Are you ready? Look for Cindy’s article in Business in Vancouver’s Retirement Ready 2018 magazine. Download the article here.                 Click here for a link to the magazine!

Structured Settlements

A structured settlement is a payment to an individual for injury or death. They are approved by CCRA to be tax free income to the recipient. Funds are protected from creditors, cannot be assigned, commuted or transferred so that the income stream is available for life. Clients need to deal with “approved” advisors in order […]

Cindy is the Top Individual Fundraiser for JDRF Ride to Defeat Diabetes!

Personally being diagnosed with type 1 diabetes (T1D), I’ll do anything in my power to help find a cure so that young people do not have to deal with this very serious disease. I’m so proud to announce that I have been named the top individual fundraiser for this year’s event! In addition to the $5,855.50 […]

26th CALU Annual General Meeting (AGM)

One of the key highlights of CALU membership is the opportunity to attend the annual meeting, held each May in Ottawa. Regularly attended by more than 400 CALU members, main platform and workshop sessions feature top Canadian and international subject-matter experts who provide updates on the application and marketing of financial products and services in […]

Update on the Genetic Testing Bill

In case you haven’t heard, the Genetic Testing Bill has been passed by the House of Commons. However, the federal government subsequently announced its plans to refer the Bill to the Supreme Court of Canada (SCC) to determine if it is constitutional. A ruling by the SCC on this issue is expected to take a […]