latest articles

Oct
08
2018

Financial Success Strategy for Small Business Owners

Business owners have to contend with many facets of financial management, business accounting, cash-flow management, and capital acquisition. The one area of financial management that often goes unheeded or is placed on the back-burner is their personal financial strategy, yet it is the one aspect of a business owner's financial picture that, if not soundly in place, could have the most serious unintended consequences for the business.

Tags: 
business planning
Oct
08
2018

It's Up to You to Know the Consequences

The news has been full of stories lately of surging real estate prices in the United States. Many Canadian visitors to such places as Florida, Arizona and Hawaii are seeing real estate promoters from these and other states running seminars about US real estate investing.

Many Canadians are viewing this as an opportunity to buy a US property before the prices get too high. But what are the consequences of owning U.S. property?

Tags: 
estate planning
Sep
10
2018

Back to School

As the kids head back to school, we have been answering many questions regarding Registered Education Savings Plan (RESP). We believe September is a great time to sit down with your advisor and discuss you RESP goals.

Here are 3 things you should know about RESPs:

Tags: 
resp
Sep
10
2018

How Much Will I Need to Retire?

Good question. Many retirement income planning tools use a percentage of income to determine an income need in retirement and then calculate an amount needed to provide that income. People with similar incomes often have different spending and lifestyle habits. This can affect their income needs in retirement.

It is still important to calculate what the income needs will be in retirement. Arriving at the right percentage of income to replace may require a little more work.

Tags: 
retirement planning
Aug
13
2018

Another Baby at Carruthers!

You read it right – we have another baby to welcome to the Carruthers Financial family. Nivalda welcomed a beautiful, and a little early baby boy, named Matthew. Mom and Matthew are both home and doing wonderfully now. Big brother Nicholas is ready to start teaching his baby brother the ropes in the Sa household – should be an exciting summer until school starts!

Tags: 
investments
Aug
13
2018

Understanding Market Volatility - Part 2

Our previous article looked at the increase in market volatility in 2018 in historical terms to put it in perspective. The other factor to consider is where are we in the market cycle and what this might mean for you personally in terms of your own long-term financial strategy.

Many market commentators suggest that we are past the half-way mark as far as the longevity of this equity market run since mid-2009. If history is any guide, there is very likely more time left before the next recession or bear market (defined as a 20% or more correction in the equity markets).

Tags: 
investments
investment planning

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Mutual funds are offered through Investia Financial Services Inc. The particulars contained herein were obtained from sources which we believe reliable but are not guaranteed by us and may be incomplete. The opinions expressed have not been approved by and are not those of Investia Financial Services Inc. This website is not deemed to be used as a solicitation in a jurisdiction where this Investia representative is not registered.

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