If you’re a successful business owner that is banking cash and paying more in taxes than seems fair, you are probably open to ideas on how to do more of the former and less of the latter.

An Immediate Financing Arrangement (IFA) is one of those rare strategies that lets you do just that — use your...

Financial planning boils down to knowing a few important numbers.

No, it's not your rate of return or your fees. Those matter, but not nearly as much as these:

Burn Rate

If you generally like your life - you drive nice enough cars, live in the neighbourhood you love, take enough vacations and don...

I am a proud Canadian. I love my country.

What the United States - under the leadership of Donald Trump -has done to us by imposing these trade tariffs is unfair, possibly illegal, and just plain shitty. 

However, I do not believe that our country will fall apart, in fact I believe the opposite.  ...

Over the break, I listened to an audiobook by a financial professional in the States, 'Delivering Massive Value' recorded by Matthew Jarvis. The book is a bit of a how-to for advisors on creating systems in your business to not only make things more efficient, but deliver a level of service to your ...

People’s Perception of Themselves is Hard to Break

The most common scenario I run into with retired clients is that they have more money than they will ever need. They have earned, saved and lived within their means for so long, they don’t know any different.

But here is the problem with that…  

There is a whole generation of Canadians out there that have no interest in owning - well, anything.

They are happy to rent their apartments.

They take Uber instead of buying their first car.

They AirBnb condos all over the world instead of striving to buy their own cabin.

Heck, they don’t even ...

An overwhelming portion of Canadians do not need whole life insurance. It’s expensive, complicated, and more difficult to apply for than its more approachable peer, term life insurance.

But for those who need it, boy is it a wonderful wealth building tool!

First, Term Insurance

Term insurance ...

When you buy an investment and the value of that investment goes up over time, you are going to pay tax on it. There's no way around it. I don’t care if it is a stock, a piece of artwork, shares in your own business, or a 10-unit commercial building, the tax man will cometh, eventually.

Exceptio...

Someone reading this needs to give themselves permission to ‘take Fridays off.’ Is it you? 

Maybe it’s not a short work week, but an extra long vacation, or a start time of 10am and not feeling guilty about it. Can you give yourself permission to take the dog for a walk at 2pm?

“But those are work...

…or so I’ve been told.

People doing what I am doing charge up to $2,500 for what I give away for free.🤯

Is it worth $2,500? Yes, 100% it is. A proper financial plan will save some hundreds of thousands, even millions, of dollars over the years. 

I will drive to people’s Springbank houses at 8:30p...

It’s becoming nearly impossible for investment managers to beat the public markets. We call this ‘alpha;’ the difference between what your investment manager is getting you from a return and what the general market is getting.

So why even bother with an advisor? Why not just find the cheapest possi...

This should not be a controversial take, but it is: 

You should not care what ‘the markets’ are doing.  

Focus on you and your plan.

The market is not a logical place

Stock markets are notoriously irrational places; they can go up or down based on a tweet, a war in a faraway land, or because ...