Why you need Disability Insurance

Author Rishi Published March 15, 2017

Working a cozy desk job with no pre-existing conditions, we too often believe the worst will never happen to us. This is largely because when we hear the words disability insurance, we imagine a spinal cord injury rendering us disabled. Indeed, this is rare, but did you know that you are more likely to become […]

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Understanding the Cost of Investing

Author Rishi Published March 8, 2017

We all know the mantra: be smart with your money, save for the future and spend wisely. Yet many leave high school/university without a clue on how to invest and truly work towards building wealth. Stocks and finance require extensive study, particularly when it comes to how fees work. Financial advisors do not work for […]

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Insurance Solutions for Employers

Author Rishi Published March 1, 2017

Providing health insurance to employees is not always an easy task. However, in today’s competitive job market, you will not be able to attract or retain talent unless you offer sufficient benefits. It is important that you review your options and pick a strategy that works best for your business. Group Insurance This is the […]

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TFSA Limit Will Not Increase in 2017

Author Rishi Published February 22, 2017

TFSA Limit Over The Years The TFSA limit will remain at $5,500 for 2017 due to years of low inflation, but is still good news for those looking to build wealth. For those who were at least 18 years old in 2009 and a Canadian resident since, now have a cumulative TFSA limit of $52,000. […]

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Fee Based Investing: What is it and what are the benefits?

Author Rishi Published February 13, 2017

There is a trend sweeping the investing world. Investors are now choosing fee-based investing over the traditional commission-based. Fee-based investing has become a favourite amongst investors primarily because it offers information about advisor fees that is upfront and easy to understand. Like commission-based investments, this type of investment is backed by knowledgeable financial advisors, commission-free […]

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6 Essential Financial Tips for Newlyweds

Author Rishi Published February 9, 2017

So you just got married and are starting to build a life together with your partner. Here are 6 Essential Financial Tips that will set you up for success for years to come.   Change the Beneficiaries on your Insurance Policies, RRSPs, TFSAs, Company Pension and Benefits Plan Why? At the end of the day […]

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Pension Decisions when you Leave a Job

Author Rishi Published October 11, 2016

When you leave one job for another, or even when you retire, there are many decisions that need to be made about your pension. There are two main types of pension plans, defined contribution and defined benefit. With defined contribution plans, during your employment your company provides you with a regular lump sum of money […]

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Termination and Severance Pay

Author Rishi Published September 22, 2016

When you leave your job, you may receive a termination and/or severance pay. When your departure is involuntary every jurisdiction stipulates how much notice you must receive. Commonly, the company will pay you in lieu of actually working through the notice period. This termination pay is considered employment income for tax purposes. You may also […]

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Legal Issues when Leaving Your Job

Author Rishi Published September 15, 2016

If you have voluntarily left your job there will probably not be any legal implications. However, in situations where you have been laid off or dismissed, the situation can be more complicated and independent legal advice may be warranted. Although your advisor can certainly provide you with information and guidance, there can be employment, tort, […]

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