…company borrows money a lot, it may need more money again in the future. What financial metrics can you use to evaluate companies? Whether you are working with an advisor…
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Preparing for financial emergencies
…your emergency fund be separate from the account you use for day-to-day transactions because it may also be too easy to withdraw money and spend it on non-emergencies. It’s a…
When to review your plan
…retirement lifestyle Early retirement years You may want to work less and pursue interests like travel, volunteer work or part-time work. Starting a new business Turning your retirement savings and…
Investing in the exempt market
…prospectus exemptions. The exempt market allows you to invest in prospectus exempt securities. Prospectus exemptions can help businesses because it lets them raise money without the time and expense of…
How fraudsters take advantage of behavioural biases to promote their scams
Every year, thousands of Canadians experience a financial fraud or scam. In fact, 2024 saw $638 million lost in frauds reported to the Canadian Anti-Fraud Centre. Fraudsters use clever tricks…
Investing as we age
…use: nearly seven-in-ten (69%) women use a financial advisor, slightly more than the six-in-ten men who do (62%). Almost twice as many men as women currently use an online discount…
What is ESG greenwashing?
…An investment fund must disclose the investment strategies used to achieve its investment objectives in its prospectus. This includes describing the type(s) of strategies used to achieve ESG targets (for…
Long-haul scammers: Fraudsters who invest time to take your money
…go on for weeks or months before the topic of money comes up. The scammer could use what they know about the victim’s life — their financial dreams, hopes and…
Making RRSP withdrawals before and after you retire
…money from your RRSP. Once the RRIF is set up, you can’t contribute any more to the plan. Because RRIFs are tax-sheltered, like RRSPs, you can choose to hold investments…
How to know when it’s time to change your financial advisor
…why your current advisor relationship isn’t working out. Consider if this is something that you’ve been thinking about for a while, or due to something more sudden. For example, you…