Finding Financial Balance
Finding financial balance in life is never easy.  I've been talking to a lot of individuals lately in my financial education workshops and I recently sat down with Jake who is 23 years of age and try [more]
Understanding the OAS clawback
A client asked me recently whether he should be concerned about keeping his income low in his 64th year, because he understood that the OAS clawback was based on his income in the previous year. I’v [more]
3 Costly Pension Mistakes and How to Avoid Them
If you have  a pension plan at work consider yourself fortunate. Only about a third of Canadians have a workplace pension plan today – a far cry from a couple decades ago. Workers  face a number o [more]
Creating a Catalyst for Financial Change
“Catalyst: to spark, to ignite, energize, mobilize; something that accelerates a reaction.” (DDI)With two months of the year behind us, I think it’s safe to suggest that, for the vast majori [more]
The good and bad of a tax refund
What would you say if I offered to pocket $130 dollars of your money every month, to be repaid annually? I’m good for it; repayment is guaranteed. Oh, I should tell you that I’m not paying any int [more]