by Rona Birenbaum BAS CFP®, CHFS | May 11, 2015 | All About Investing, Risk Management
A new client recently said, “My relationship with money is changing. I didn’t think it would happen so quickly”. We all have a relationship with money. It guides our decisions and can define how we experience life. Do you see yourself in these four money...
by Rona Birenbaum BAS CFP®, CHFS | Apr 28, 2015 | All About Investing, Cash Flow Concerns, Retirement
We are often asked the question whether it makes more sense to make extra mortgage payments or top of retirement savings when there is extra cash flow. This question is coming up more often these days given the low borrowing rates and recent great returns in the...
by Rona Birenbaum BAS CFP®, CHFS | Apr 8, 2015 | All About Investing, For Business Owners
You applied for an insurance policy (life, disability, critical illness or long term care) and your agent advised you that “there is good news and bad news”. The good news is you got approved for coverage. The bad news is that the insurance company has rated the...
by Rona Birenbaum BAS CFP®, CHFS | Mar 30, 2015 | All About Investing, Retirement, Risk Management
Most retirees have several sources of retirement income. The largest contributor to this income is typically a portfolio of investments. Retirees spend decades savings for the future and trying to maximize returns to build the largest possible nest egg. When investors...
by Rona Birenbaum BAS CFP®, CHFS | Feb 1, 2015 | Estate Matters
It used to be enough for an estate trustee (executor) to provide the Ontario government with their own calculation of the value of an estate when filing for letters probate. Provincial probate fees are assessed on the estate value and equal $250 for the first $50,000...
