Will I Have Enough?

Creating a successful retirement will always be about more than just the money. Often the solutions to our financial challenges are also the ones that make us happier people in the long run.

August 23, 2016

One of the top concerns of retired people is whether they will outlive their money. With medical advances increasing our life expectancies and the changing nature of markets, employment opportunities and predictable benefits like defined benefit pensions and healthcare, it’s no wonder people are concerned.

In days gone by, you retired at 65, took your company pension, your Canada Pension, what savings you had and the extended health benefits that continued on and you comfortably enjoyed the golden years. Today more and more people are self employed, the defined benefit pension has been replaced with the defined contribution pension, and health benefits often don’t even exist when you are employed let alone after you retire. The world is in the midst of dramatic shift.  The age of technology is rapidly changing our habits, our down time and our working life. All this change, while it may be bringing about a great new world, is also creating a lot of uncertainty, fear and anxiety in people as they look to their futures. Read More…

Broken English

Many advisors and bankers have figured this out and go out of their way to talk to their clients in straightforward, simple language – not because their clients lack the intelligence but because they have no reason on earth to need to understand the jargon.

March 28, 2016

jargon, financial, advisor

In 1948, Sir Ernest Gower’s published a book at the request of His Majesty’s Treasury entitled, Plain Words. The reason was to provide bureaucrats a reference to simplify their complicated ways of stating the obvious, and relying on language that was considered by most to be pompous and elitist. Read More…

The American (Canadian) Dream

It was a promise; if you worked hard, you could get your piece of the dream. Much has changed since 1931 though, and “the dream” has become more about stuff than personal fulfillment, character and opportunity

March 10, 2016

From Cadillacs to mortgages, the American Dream has been used to idealize a lifestyle that is today considered a right, not a privilege, of the modern American. The original definition of the American Dream came from James Truslow Adams in 1931. He stated that, “life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement, regardless of social class or circumstances of birth. “ Read More…