Money Savings Tip #6 Oh the dreaded budget. However its really not that bad. It can be fast , easy and worth the 10 minutes and reveal lots. You will likely save money doing this annually. It’s also helpful to be able to share it with someone else such as a financial planner. It then [...]

Credit rating is something that should be periodically reviewed. A strong credit rating is going to save you so much in the future. If it is not great, you need to work towards a good one. Perhaps seek advice on specific tips ie. paying more than your minimum monthly payment on your credit card.

Money savings tip #1, when renewing or changing or applying for a new mortgage, ask for a better rate. This is a great money saver! http://www.theglobeandmail.com/globe-investor/personal-finance/mortgages/not-asking-this-mortgage-question-could-cost-you-thousands/article10053137/

Women typically have five years over men. That means that women may need to sustain an income in retirement longer than men. Independent financial planning is important. We all know that life can be taken much sooner or prolonged illness may occur. Understanding your finances will make a difference.

Effective retirement planning is often best planned well in advance. There a number of issues that should be considered but in broad categories there is the financial and the non-financial sides. Both are very imporant but often overlooked. Obviously, it is important to have an adequate cashflow. But what are you planning to do? Will [...]

As a parent myself I understand the challenges that we are regularly faced. One of them that send some parents into a tailspin is savings for future education. However, the RESP(Registered Education Savings Plan) makes it very simple. It doesnt take that much each month including the 20% federal government grant to grow to a [...]

I think that just like financial planning has added value with a trusted advisor/financial planner, so does healthy living can use a personal trainor. Objective advice is valuable. Are you receptive to advice? I had a personal trainor for 12 months and totally recommend it. We looked at both physical training and nutrition.

Health planning for your retirement is every bit as important as financial planning. What steps are you taking for sound long term health planning? Prevention is one of the keys. I often think how much you want to stay out of the health care system. Listen to your body. Prevention methods such as strategic exercising [...]

How can you reduce stress in your life for example? Wellness includes cutting out stressors. Financial stress is a big one. Sometimes being able to talk about issues with someone trustful and objective makes a difference. Certainly it is a good first start.

Your health wellness is every bit as important as financial wellness. When I consult with individuals or couples about their retirement we often discuss non-financial issues such as health and health awareness.