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Rethinking Retirement

An end to mandatory retirement will change the way advisors plan for clients’ post-work lives. By Michael BertonThe rules of retirement are changing. Last April, lawmakers in Ontario announced their intention to end mandatory retirement, and New Brunswick, Manitoba, Quebec, Alberta, Yukon and Prince Edward Island have already amended their laws. Regardless of when a [...]

2016-10-19T16:36:08+00:00 October 8th, 2014|Lifestyle, Planning, Retirement|

The Term Rut

Timing is everything when converting clients from term to permanent insurance. By Michael BertonYou’ve just finished gathering and analyzing the financial and lifestyle information for a new client, Sarah, and made the initial determination she should acquire a life insurance policy worth $500,000. But what type?   You get some quotes from the life insurance [...]

2016-10-19T16:36:08+00:00 October 2nd, 2014|Planning|

Retirement Alternative

Retirement compensation arrangements can help employers lure and retain executives and other key employees. by Mike Berton Times are tough for employers and business owners who want to build retirement packages to attract and retain top-notch professionals. Employee stock option programs, which created fortunes in the 1990s, have lost their lustre, and challenging business conditions [...]

2016-10-19T16:36:08+00:00 September 9th, 2014|Compensation, Planning, Retirement|

Do You Need A Financial Planner?

Ask yourself the following: Is your cash flow estimated on an annual basis, monthly basis, or not at all? Are you using your income-earning power to create income-earning assets? In the event of an emergency, would you be forced to sell assets at a loss? Have tax-minimizing strategies been included in your will? Are you [...]

2016-10-19T16:36:08+00:00 September 1st, 2014|Planning|