News & Commentary

Every situation is different and there is no blanket one size fits all formula to determine insurance needs but a good place for most individuals to start is by looking at: Net family income replacement needs: If you earn $100,000 gross annual income or $75,000 net income and you have 10 years until retirement, you […]

Three Rules to Survive Fall Markets Market & Economic Environment: August saw XSP, the iShares S&P500 ETF that tracks the 500 largest US companies, in Canadian dollars, drop .89%. In Canada XIC, the iShares TSX composite index tracking the Canadian stock market, was up .57%. Year to date XIC is up 15.18% while XSP is […]

Market & Economic Environment: Volatility has returned with a vengeance. Continued trade tensions between the US and China, concerns over the inversion of the US yield curve, and a lack of consensus between the US federal reserve and the POTUS has resulted in massive fluctuations daily in the value of publicly traded securities. When looking […]

Insurance for children may seem odd at first glance, but if you look closer, you may find a few great reasons to consider it. First, approval for a Critical Illness insurance policy is, in part, underwritten based on family medical history. If you get sick, your children may not be able to get approved for […]

Market & Economic Environment: Equities took a breather in July after an exceptional performance in the first half of 2019 that saw North American and U.S. stocks post their best performance in two decades. The TSX Composite was little changed with a gain of 0.15% in the month despite gains in eight of its 11 […]

It was an eventful month of July with China and the U.S. restarting trade negotiations and the Federal Reserve lowering U.S. interest rates for the first time in 11 years, resulting in a mixed month for equity markets globally. Canadian stocks were fairly muted, as the S&P/TSX Composite eeked out a 0.1% gain during the […]