Retiring soon? Are there hidden dollars in your insurance programme?

Unlocked padlock,wallet and money

Over the years most Canadians have bought various types of individual life, critical illness, or disability insurance, or they’ve participated in a plan with their employer that had some or all of these benefits. Some do it out of love for their families, some to protect their income or insure a debt, others as an “investment”.  But whatever the reason, the role of insurance over the years hasn’t changed – it provides dollars on a timely basis when needed most. Die too soon, live too long, or become disabled along the way – there’s a type of insurance that solves those needs. If you’re retiring in the next year or two, now is a good time to sit down with your life insurance agent or your Certified Financial Planner® Professional […]

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Bitcoin – Should it be in YOUR portfolio?


As someone who only recently embraced Apple Pay, and who still carries real cash in his wallet, I must admit that I was skeptical when I first heard about “bitcoin”, the digital (or virtual) currency. It’s been around since 2009, which in itself sounds like an eternity in today’s world, but the idea of not having bills and coins in my pocket or paying with a debit or credit card is still hard to imagine. Two years ago in the weekend edition of the Wall Street Journal (January 24-25, 2015 “Review” Section), Michael J. Casey and Paul Vigna wrote a very enlightening and informative article titled “The Revolutionary Power of Digital Currency”. In that piece they stated that “Despite bitcoin’s difficulties, it represents the future of money. Digital currencies will […]

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