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Longevity and Retirement Savings It is all over the news; life expectancy is growing continuously for Canadians.  A look inside the statistics to calculate life expectancy and retirement savings needs doesn’t bode well for most investors. The plan to overcome this situation must include several factors like a disciplined saving approach matched to active management, either personally or structurally, as well as excellent investment picks with corrective action when they aren’t so “excellent”. The simplest

Health Spending Account Executive Summary Health Spending Accounts (HSAs) offer business owners, their families, the leadership team and their families the opportunity to save money, save tax and retain key staff.  Essentially, the business will pay for medical expenses out of revenue with ‘100 cent dollars’ and then claims these payments as a business expense.  It could be considered to be a type of self-insurance.    The Details Once established, an HSA works much like

It is a must for Business Owners to have Disability Insurance Disability insurance is a crucial component of financial planning for business owners. Business owners face unique challenges when it comes to protecting their income and ensuring the continuity of their business operations in the event of a disability. Here’s why disability insurance is a must for business owners and the types of disability insurance they should consider: Why Business Owners Need Disability Insurance: Income

The Vital Role of Disability Insurance for the Employee Even when you have disability insurance with your employer, it is very important to consider whether you have all the coverage you need. The likelihood of experiencing a disability at some point in life is higher than most individuals realize. Disability insurance a crucial safety net for everyone. I believe it is very important that all individuals have a good understanding of the various aspects of

How to Combat Inflation in Retirement If you are not concerned about inflation in retirement, you should be. It can erode your purchasing power over time so that years after retiring, you may find that you can’t afford as much as you could before if you haven’t taken steps to combat inflation. The good news is that there are several things you can do to combat inflation and therefore, feel more secure in your retirement.