Thursday, February 11, 2010
I was trained to use the telephone to make appointments for face-to-face meetings where relationships are developed and business is conducted. But that is not always how the potential, or current, client wants it to occur. With work, family, and other commitments, time is precious. I’m seriously rethinking my approach. As insurance and financial advisors, we have an [...]
Just to let you know, I decided to return to my business earlier than expected. While my focus is on life, disability, travel, and other health related products, I can certainly help with RRSP and Tax-Free Savings Account needs. As we approach the RRSP deadline, I anticipate meeting with current and new clients to assist with their [...]
You recently heard about the sentencing of Bernard Madoff for his massive fraud, identified as a Ponzi scheme. While certainly not of the same size, an international fraud involving residents close to home was reported yesterday on the front page of the Edmonton Journal by Karen Kleiss. For a quick review of what a Ponzi scheme entails, and to [...]
You have likely heard the news of Bernard Madoff being sentenced by a U.S. District Court to 150 years in jail for his orchestration of a massive Ponzi scheme. Well, I was shocked when a financial advisor I know said yesterday that he wasn’t aware of Madoff and did not know what a Ponzi scheme [...]
In previous entries, I wrote about some of the financial planning basics that I address with clients. You may have worked through some of it, but my experience tells me that procrastination and a busy life often puts it to the side to be dealt with later. There may be a quicker way to get this [...]
Just as I published tipsheets some time back, I am going to prepare some considerations for business owners and executives. I’ve been sketching my ideas to share, but I also wonder what you are concerned about. If you think of personal financial security, or risk management, what questions or concerns do you have? Is there [...]
The question asks if you should contemplate using your RRSP for your down payment through the Home Buyers’ Plan. The answer? It depends! Let me first provide a link to Canada Revenue Agency’s Home Buyers’ Plan (HBP) information on their website. This program allows you to withdraw money from your RRSP to buy or build [...]
Wednesday, April 29, 2009
I will never forget a situation that a colleague described in my first year or two as a financial advisor. He talked of a client who came in for his annual review. The client proudly told the advisor that he had purchased disability insurance as had been recommended. While this step was good, his advisor could [...]
Also filed in Financial Planning, Insurance, Uncategorized
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Tagged annual financial review, critical illness, education savings, Financial Planning, group investment, guaranteed income for life, health & dental, key person, life insurance, long term care, needs analysis, partnership agreement, retirement savings, segregated funds, shareholder agreement, tax-free savings, travel insurance
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If you have followed some of my recent blog posts, you will have noted my passion for the Living Benefits. Completion of the Registered Health Underwriter (RHU) designation is part of my commitment to working in this area. To help educate employees on personal and group coverage, with Life Insurance and the Living Benefits, I am offering [...]
Also filed in Finances for Women, Financial Planning, Insurance, Uncategorized
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Tagged critical illness, disability, free seminar, health and dental, life insurance, living benefits, long term care, Registered Health Underwriter, travel insurance
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While RRSP planning should take place throughout the year, I’ll be the first to admit that many turn to their financial advisors in the first two months of the year, and often the last week (or day). That time of the year is here! For an income tax deduction to be used for the 2008 tax year, the deadline [...]
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