Guaranteed Investment Certificates (GICs) were wonderful investments back in the day.
 
However, they now kind-of, sort-of suck for 𝙢𝙤𝙨𝙩 (not all) investors.  They are tied to interest rates, and - as you probably know if you have gotten a mortgage, bought a car, or taken out a home equity loan, rates...

Almost everyone needs insurance - seriously!  **Almost** anyone...

The 4 situations where insurance is not necessary are:

𝟏. 𝑵𝒐 𝒐𝒏𝒆 𝒅𝒆𝒑𝒆𝒏𝒅𝒔 𝒐𝒏 𝒚𝒐𝒖 𝒇𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍𝒍𝒚.You do not have kids or other dependents that would have a tough time surviving financially if you were not around to help them.

Grieving the...

Yes! You can buy a Tesla, a swimming pool, or a collection of lawn figurines from the '80s online, why not life insurance?

We don't sell it online, but if you are comfortable doing everything electronically, I would recommend PolicyMe (www.policyme.com). I have never bought from them, but I ha...

The top 5 reasons why paying an advisor roughly 1% per year is worth it:

1️⃣ 𝙔𝙤𝙪 𝙬𝙤𝙣'𝙩 𝙢𝙖𝙠𝙚 𝙙𝙪𝙢𝙗 𝙙𝙚𝙘𝙞𝙨𝙞𝙤𝙣𝙨. When your rec hockey buddy tells you he's mortgaging his house to buy a penny stock or a cryptocurrency that you don't even understand, someone will be there to talk you down or at least thr...

The ultimate ‘ode to adulting’ is having an up-to-date will. There is nothing less exciting, nor less-fun to talk about with your partner, than getting a will. But here’s the thing, 100% of clients that I talk to acknowledge that they NEED a will ‼️

Here are 3 generally accepted reasons why ha...

Whenever asked for a book recommendation, this is my go to.

𝑰 𝒓𝒆-𝒓𝒆𝒂𝒅 𝒊𝒕 𝒆𝒗𝒆𝒓𝒚 6 𝒎𝒐𝒏𝒕𝒉𝒔 𝒐𝒓 𝒔𝒐 𝒃𝒆𝒄𝒂𝒖𝒔𝒆 𝒊𝒕'𝒔 𝒋𝒖𝒔𝒕 𝒔𝒐 𝒅𝒂𝒎𝒏 𝒈𝒐𝒐𝒅! @jamesclear , the author, clearly put a lot of time and effort into this book, it is the most complete piece on a self improvement theory that I’ve ever read - he did h...

*This is a post from 2019 warning about the risk of a recession on the horizon. The US Stock market is up almost 50% since then - FIFTY! I wrote this at the time because I was fielding questions about the imminent collapse. Here we are six waves of pandemic, world disorder and the Toronto Raptors ...

Exchange Traded Funds (ETFs) get talked about a lot, so here is my cheater guide on what they are 📝

An ETF is a group (portfolio) of stocks, bonds, funds or other investment tools. It is like a mutual fund in that sense, people pool their money together and have a wicked smart team of managers...

Stop trying to be rich by cutting your Netflix, go make more money.

Seriously. You can 'save' your way into a lifestyle that you don’t want, or you can just work harder, smarter, or do something different.

Gross oversimplification of a very complex situation? Yes! But hear me out...

Fi...

Mutual funds get a bad rep! Commercials tell you that their fees are crazy high, their performance sucks, and you can do it better with ‘XYZ’. I disagree 🧐

Here is why💡

1. 𝐓𝐡𝐞𝐫𝐞 𝐚𝐫𝐞 𝐠𝐨𝐨𝐝 𝐚𝐧𝐝 𝐛𝐚𝐝 𝐟𝐮𝐧𝐝𝐬. Just like baseball teams, wine, and car seats – some are good, some are not. When you ta...

You don't need to pay an advisor to help you invest if:

🟦 YOU ARE WICKED SMART! 3 people in my life come to mind, I don’t bother considering them ‘prospects’ because they're 10x smarter than I am. I go to them with my questions about the market! Ha!

🟦 YOU ARE A PASSIVE INVESTOR! If you think puttin...

Name something else that you pay for just to hope and pray never to use it. Paying insurance premiums for anything stinks. Period.

B̾u̾t̾ ̾y̾o̾u̾ ̾k̾n̾o̾w̾ ̾w̾h̾a̾t̾ ̾s̾t̾i̾n̾k̾s̾ ̾m̾o̾r̾e̾?

❌ʏᴏᴜʀ ᴋɪᴅꜱ ɴᴏᴛ ʙᴇɪɴɢ ᴀʙʟᴇ ᴛᴏ ᴘᴀʏ ꜰᴏʀ ᴄᴏʟʟᴇɢᴇ ɪꜰ ʏᴏᴜ ᴀʀᴇ ɢᴏɴᴇ.

❌ʏᴏᴜʀ ꜰᴀᴍɪʟʏ ʜᴀᴠɪɴɢ ᴛᴏ ᴍᴏᴠᴇ ᴏʀ ᴅᴏ...