The Human Dimension of Advice

15 October, 2019

The ads are everywhere: invest online and cut out the middleman. Yet, an overwhelming majority of Canadians believe that financial advisors have a positive impact on their clients, their families and their futures.... Read more

Putting Markets in Perspective

7 December, 2018

Filed Under: Financial Planning

In the past couple of months, the Dow has moved from its peak of 26,966 on Oct 3 to its level of 24,821 at the time of writing. That works out to a decline of 9.2% - just a tiny bit shy of a correction, defined as a 10% decline.... Read more

Investing vs Speculating: Don’t Go for “Broke”

18 May, 2018

It’s an interesting anomaly that when the word “investing” is used, some equate it with saving while others’ thoughts immediately go to gambling or speculating. ... Read more

Advice Versa

18 May, 2018

Last month we looked at changes to statement reporting that will (to some extent, at least) make the fees that you pay to own mutual funds more transparent to you. In short, most mutual fund investors pay 2 - 3% of their total investments annually.... Read more

“Fee” Money

18 May, 2018

If you are reading this, then the odds are high that you own a mutual fund. According to the Investment Funds Institute of Canada (IFIC), when it comes to meeting their financial goals Canadians have greater confidence in mutual funds (87%) than an... Read more

Hostile Headlines

18 May, 2018

“Hey Arnold, I’m hearing terrible things about the US.  I think I want to pull any US investments and re-allocate them to Canada.  What do you think?”... Read more

It Takes Two to Tax

18 May, 2018

Filed Under: Tax Planning

Last month I highlighted some of the new tax policies that the current government was attempting to burden us with that would hurt small business owners.  They’ve since backed off their rhetoric a little bit,... Read more

Til Debt Do Us Part – Part 2

18 May, 2018

Last month we talked about good debt vs. bad debt.  Of course, it’s best if we only go into good debt and only by a reasonable amount, and with a payment schedule that we can handle.  But the reality is that sometimes thing go wrong.... Read more

May the Force (of Habit) be With You

18 May, 2018

Filed Under: Financial Planning

I believe that God’s main purpose for the Bible is to reveal Himself to us.  But when He gave us His Word, He gave us more than a revelation.  He also gave us words of wisdom. He gave us ways to behave.    ... Read more

Getting Financially Naked

18 May, 2018

Filed Under: Wealth Management

It’s been all over the news lately and it’s been dubbed “financial infidelity”.  An online poll found that 36% of Canadians have lied about a financial matter to a romantic partner and 34% keep financial secrets from them. ... Read more