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This Recession Indicator is Hopefully Wrong

September 2019:  Investing Insights There are a few certainties in this world.  Death, taxes, and the Detroit Lions missing the playoffs are a few of these.  Another one of these certainties is the business cycle.  There are different names given…

The 5 Biggest Risks of the Monthly Pension

Imagine working for a company for 40 years and finally making the decision to retire. Your financial situation looks great. A nice pension from your company as well as social security benefits for you and your wife. You figured that…

The 5 Biggest Cross-Border Planning Mistakes to Avoid In 2019

Sheila was advised by her U.S. based financial planner to withdraw her RRSP, and bring it to the U.S. She thought it was a reasonable request.  At only $100,000, the RRSP represented only a small part of her total retirement…

How Much Home Can You Afford in Retirement?

When Bob and Sally came into the office, their finances were a mess. They had recently retired and were withdrawing nearly 10% annually from their retirement savings. At their current withdrawal rate, they would be out of money by the…

5 Things You Should Never Do When The Stock Market Goes Down

“As soon as the stock market has another dip, I will be ready to get more aggressive”. I hear this from almost every investor during the good times when the market is heading higher. Then, we get the downfall and...crickets.…

5 Questions You Must Ask Before Buying An Annuity

Buying an annuity is not that different from buying a home. Let’s break it down: Both involve pretty high fees (6% realtor commissions don’t pay themselves)Both involve long time commitments as annuities have high surrender fees, and most homes aren’t…