Why You Don’t Want a Tax Refund
Canadians often see a tax refund (the balance owed or owing after the process of submitting your tax return) as a small victory at the end of the year—a “bonus” cheque from the Canada Revenue Agency (CRA) that feels like a reward for another successful filing of taxable income. In reality, a large refund is […]
A Guide to Charitable Giving in Canada
“No one has ever become poor by giving.” – Anne Frank Canada’s charitable landscape is shifting. Fewer philanthropic Canadians claim charitable donations on their tax returns each year, yet total giving and the average donation have reached record highs—signalling a quiet concentration of generosity among a smaller group of committed households. For families with the […]
Understand What You’ll Need to Retire Comfortably
How Far Will $500,000 Last in Retirement? A step-by-step guide to create your retirement plan was created by Family Wealth Advisor Christopher Jardine, CFP®, to help pre-retirees in Canada answer the age-old question, “How much will I need for retirement?” At first glance, $500,000 seems like a reasonable nest egg—half a million dollars is a […]
Is a Balanced Mutual Fund Really Balanced?
Third Chapter: Estate Planning with Confidence & Clarity
Today’s article is a guest submission from Janine Guenther CFA, CMT, a Portfolio Manager and Senior Wealth Family Advisor with over 30 years of industry experience. The views presented here do not necessarily represent those of Bellwether Investment Management.
Absolute Return vs. Relative Return: Key Differences
“The wise man is he who knows the relative value of things.“ – William J. Bernstein
How Dividend Growth Mitigates the Risks of Market Concentration
“Market risk is like taking a plunge into a cool pool… a lot of people are finding out right now what their risk tolerance is.” – William J. Bernstein
What Are Tax Efficient Investments?
“This is a question too difficult for a mathematician. It takes a philosopher.” – Albert A. Einstein
Third Chapter: 5 Ways to Proof Your Investment Recipe
Today’s article is a guest submission from Janine Guenther CFA, CMT, a Portfolio Manager and Senior Wealth Family Advisor with over 30 years of industry experience. The views presented here do not necessarily represent those of Bellwether Investment Management.
How a Registered Education Savings Plan (RESP) Helps
“The great aim of education is not knowledge but action.” — Herbert Spencer A Registered Education Savings Plan (RESP) allows individuals to contribute to a trusteed plan to finance the cost of post-secondary studies for a child, grandchild, or even themselves. In this blog, we will explore why Canadians should consider registering for an RESP, […]