Our speciality is retirement income planning for 'nearly-retired', 'newly-retired' and 'fully-retired' couples and individuals. Our planning services are comprehensive in nature and we want to be with you along the way as your future unfolds.
In Our Opinion...
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The benefits of consolidation |
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If you've ever embarked on a major renovation project, you'll probably remember the shear mind-numbing quantity of decisions that had to be made along the way.
We did our first renovation about four years ago when we bought a beautiful old home in downtown Winnipeg for our office. We had no previous experience with the renovation process and it was intimidating -- especially with the big dollars involved. Not wanting to make any costly mistakes, we researched, we shopped, we compared prices, we considered alternatives. But even so, we made mistakes and there was considerable waste of time and money that could have been avoided with the right advice.
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TFSAs -- an investment strategy review may be in order |
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Now that TFSAs have been available for a full year in Canada, consumers, advisors, and institutions have all had the chance to think about how to best configure these accounts to maximize results.
Though the maximum contribution of $5000 per year per individual seems paltry at the moment, over time this can build to a substantial sum of tax-free 'cash' which can be very helpful at every stage of life, but particularly in retirement when taxation, clawbacks, and long-term care assessments can erode the income-generating capacity of our savings.
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Daryl Diamond -- on BNN Money Talks
Financial Planning for Couples
