Our team is always quite amazed (and disheartened) to read survey results showing that about two-thirds of pre-retirees don't know how much money they'll need for retirement - arguably the most important stage of their lives. If you are among them, here are some thoughts to get you started. One rule of thumb is that you will need 80% of your pre-retirement income. Using a pre-retirement in...

Establishing the right asset mix for your individual needs is a critical first step in achieving investment success. But maintaining that target mix through rebalancing is almost as important. Rebalancing is necessary because the various asset classes in your portfolio - international equities, Canadian fixed-income, etc. - surge and stall at different times in the market cycle. Our clients ar...

More than 40% of Canadian adults don't have a will. We think that number would drop significantly if more people understood the consequences of dying without one. Consider what would happen if you were to die "intestate." First, your estate assets would be frozen until the courts appoint an administrator, which could cause financial hardship for your family. Eventually, the estate would be ...