Feeling stressed due to work? You’re not alone. In today’s fast-paced environment where you’re plugged into the office 24/7, it’s easy to carry work stress home. But not taking a break can negatively impact your mental and physical health, and ironically, your work performance.
One of the difficult decisions that must be made at the start of retirement is how to create lifelong income for your client
Asset allocation is the strategy investors follow to divide their money between different assets like stocks, bonds and cash. The underlying principle is that prices of different assets move in different(uncorrelated) ways, leading to the idea that diversification protects against risk, which is defined as volatility. But asset allocation says little about the investor’s objectives.
This course is no longer eligible for CE credits. Go to cecorner.ca to find eligible courses. While tax-advantaged vehicles such as RRSPs and TSFAs are a sure bet for most investors, they are limited by the investor’s contribution room. Once that has been exhausted, investing in taxable accounts is the next step. At that point, […]
DC and RSP benefits are completely a function of contributions and the actual investment result for each employee. Employees are responsible for the outcome, not employers, and the pension amount is unknown until retirement. High costs, poor investment decision-making and lack of scale are documented problems with DC plans, which have generally experienced returns 1% lower than DB plans over time, according to a recent Towers Watson study.
You’ve had it with Your dealer. It’s time to move to one with better service, faster trade clearing, and improved market access. But how will it impact your clients? Here are eight things to consider:
The number of new advisors is growing, but as boomer advisors retire, the replacement rate may stall
In 2006, Ontario's Seneca College launched its Financial Services Practitioner Program. From a small beginning—the study body was in single digits in the first year—the program has grown to produce a growing number of financial advisors.
Today's young advisors aren’t just incredibly tech-savvy, they’re also are a generation of academic super-achievers, aggressively pursuing education and credentials to overcome the age biases of their clients and their firms.
Given the number of Canadians who vacation in the U.S. each year, as well as those who move between borders for employment or other reasons, it’s important for financial advisors to be aware of the regulatory and income tax issues faced by clients who regularly spend time south of the border.