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Is Probate Right for Your Estate ?

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Estate planning can be an overwhelming process. Whether it is your own estate or you are the executor for someone else, the checklist can seem never-ending. A financial advisor can help make sure your checklist is complete before you start checking the boxes. One of those items on the checklist is probate, the legal process that confirms the executor's role. A will authorizes the executor to act…

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Naming Beneficiaries for Your RSPs

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Most people list tax elimination or minimization as a top priority in their estate plans. For most, Registered Savings Plans (RSPs), which includes RRSPs and RRIFs, are one of their most significant assets. Most RSP accounts hold investment funds or securities that are very liquid, often accessible within a few days. Unlike most other assets, you can choose a specific beneficiary to receive the…

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Thinking Like the Rich

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There are some things that the rich do and the way they think that makes them different from you and me. These habits contribute to their ability to build and maintain long-lasting wealth and financial independence across several generations. The first lesson is that they tend to live below their means in terms of their lifestyle regardless of their income. Warren Buffet refuses to spend more…

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The Either / Or Financial Decision

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When it comes to making financial decisions most people focus on either\or scenarios; that is making a tactical decision that may or may not reflect a larger financial strategy or wealth accumulation context. We often see these types of isolated, one-off decision choices in media articles that pose dilemmas such as: Is it better to invest in an RRSP or pay down your mortgage? Should you take your…

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QE Continues

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Quantitative Easing, otherwise referred to in the media as 'QE', refers to governments printing money out of thin air in order to stimulate economic growth. The US ended their program of QE in late 2014. The impression this left with many people was that the need for economic stimulus ended. This also goes hand in hand with the media theme that U.S. consumers have been deleveraging by paying down…

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