Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.
The purpose of investing is to improve our future circumstances or future lifestyle.
Debt affords us the opportunity to benefit from things that we may not be able to purchase in the short term, such as a home.
Without proper retirement planning, you can be faced with a significant cut in your income at retirement, requiring dramatic changes to the lifestyle to which you have become accustomed.
Choosing the right insurance company for you is one of the most critical steps in managing your insurable risks. It means asking all of the right questions and thoroughly investigating your options.
Building net worth over a lifetime requires prudent planning and the implementation of sound strategies. Insurance is an important element of any sound financial plan.
You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.
Everyone needs a financial plan for their life, from those with ten dollars to those with ten million. Life takes money – whether you plan or not.
A popular myth is that estate planning is only for the rich among us. However, any one who has property and wishes for a future generation will need estate planning.
Credit, like a knife, is neither good nor bad – it depends on the use to which it is put.
Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.
Motor vehicle insurance has various elements including property damage coverage, liability coverage including coverage for the death or injury of a third party, collision coverage and comprehensive coverage.
Death is inevitable – and sooner or hopefully later, we are going to die. Before we do, we should take some actions to put our affairs in order.
A home is one of the largest purchases most people make during their lifetime. Therefore, homeowners' insurance protection is critical and strongly recommended.
Your broker works for you – not for the insurance company.
"My interest is in the future because I am going to spend the rest of my life there".
Charles Kettering
Most of our lives follow a progression through a number of stages. Some bring joy, others sadness, some are easy, others are challenging. Seven key financial decisions will shape your financial future. These are:
Through our Resource Centre, we want to give you the information and tools you need to successfully navigate through the journey of your life – so that you can make the right decisions for you.
We believe that the future is not likely to be an extrapolation of the past. But the present is the past of the future you want to create. So you can only change your future by acting in the present – to create ‘The best life in your time’.
To everything there is a season, and a time to every purpose under the heaven:
A time to be born and a time to die; a time to plant, and a time to uproot;
A time to kill, and a time to heal; a time to break down and a time to build up;
A time to weep, and a time to laugh; a time to mourn and a time to dance;
A time to cast away stones, and a time to gather stones together;
A time to embrace, and a time to refrain from embracing;
A time to get, and a time to lose; a time to keep, and a time to cast away;
A time to tear, and a time to mend; a time to keep silence, and a time to speak;
A time to love, and a time to hate; a time of war, and a time of peace.
Ecclesiastes Chapter 3: Verses 1–8
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More than you want and less than you need
Often, in the seminars and workshops we do, we are asked about the purchase of whole life insurance vs buying term life.
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