More and more advisors share stories with us about how clients change as they age. In particular: Forgetfulness Repeatedly asking for the...

As we’re heading into the autumn months and many cottage owners begin to slow down their time spent at the cottage, it’s a perfect time...

With two years in the making, our 2022 conference destination has finally been announced! Get ready for magnificent glaciers, intimate...

Often, parents wish to gift money to children and have the money invested in a segregated fund. This will probably follow RESP...

Our next Money Monday will be on December 7th from 10 to 11:00 EST, via webinar. On the 7th, we will have a speed-dating style...

With Covid-19 dictating how we do business, many advisors have had to adapt more technology in their practices, with zoom meetings...

I recently learned of the inspiration for Green Day’s song Wake Me Up When September Ends. Green Day lead singer Billie Joe Armstrong...

Have you ever run with an idea only to find out you never really understood all the details? Is the Immediate Finance Arrangement (IFA)...

On December 1st, new rules are coming into effect regarding the calculation of pension commuted values.

Over the last 10 years of my career, I’ve been pegged as a PAR guy. As a result, most would assume that PAR would be my go-to solution...

This week we delve into the OAS Claw-back regime. It’s a confusing process that we hope an example will help explain. Obviously, many...

Here's a real-life case that we think you’ll find interesting. A client had purchased a segregated fund with $100,000 and 100% death...

Here is a situation to consider, a charitable 83-year-old lady wishes to give $500,000 to her favorite charity. If this lady is healthy,...

When meeting with our advisors and their clients, the word ‘cash flow’ has come up quite a few times since the beginning of the pandemic.

I first met Dr. Marius Barnard in the fall of 1998. I was a young Sales manager with Canada Life in Niagara and I saw him speak at...

There was a time when a healthy couple in their 60’s could buy a level cost of insurance (COI) UL policy for pennies on the dollar!

For advisors who focus on large case insurance opportunities, and for others who have come across a few in their career, you know these...

Remember the financial crisis of 2007-2008? Of course, we all do. Built on the assumption that property values can never go down, people...