September 2024

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Why Time Matters

It is not uncommon for an individual or organization, such as a charity or community tennis club, to consult a financial advisor regarding investment returns that can be generated on some spare cash that is not needed in the immediate future.

As a result, the issue of investment "time horizon" is brought to the forefront as a key variable in making investment recommendations. This leads to a series of questions from the advisor such: (1) as the purpose of the funds, (2) the target rate of return desired, (3) when will the monies be needed and (4) under what circumstances would the investment be cashed out in an emergency.

Consider a typical scenario in which a client has sold a home and is...

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Passing it On to Your Heirs

Ralph and Mary have accumulated a nice estate, a good portion of it in cash. They want to leave it all to their children when they die, but they also want to do something for them today. Being part of the Savings Generation, they are reluctant to give large sums to their kids today, as they are part of the Spending Generation. Ralph and Mary also want to treat their children as fairly as possible.

When someone dies, their estate falls into three basic categories:

Part 1 – Proceeds that can be passed on by way of a named beneficiary designation.

Part 2 – Proceeds that can be passed on by way of joint ownership.

Part 3 – Proceeds that can be passed on by way of a will or a Provincial Intestacy Act.

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We generate fears while we sit. We overcome them by action. Fear is nature’s way of warning us to get busy.

Henry C. Link

Aligned Capital Partners Inc. (ACPI) is regulated by the Investment Industry Regulatory Organization of Canada (www.iiroc.ca) and member of the Canadian Investor Protection Fund (www.cipf.ca). The information contained in this publication has been compiled from sources believed to be reliable, but no representation or warranty, express or implied, is made by Aligned Capital Partners Inc., its affiliates or any other person as to its accuracy, completeness or correctness. All opinions expressed in this communication are those of the author, as of the date of this publication, and subject to change without notice. Opinions expressed in this publication should not be viewed as legal, accounting or tax advice or individually tailored investment advice. This material is prepared for general circulation to clients and has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. Products or services referenced may not be suitable for you and it is recommended that you consult your advisor if you are in doubt about the suitability of such investments or services. This is not an offer to sell or a solicitation of an offer to buy any securities. Investment products are provided through ACPI and include, but are not limited to, mutual funds, stocks, and bonds. All non-securities related business conducted by Myron Dietrich is not in his capacity as an agent of ACPI. Non-securities related business includes, without limitation, fee-based financial planning services; estate and tax planning; tax return preparation services; advising in or selling any type of insurance product; any type of mortgage service. Accordingly, ACPI is not providing and does not supervise any of the above noted activities and you should not rely on ACPI for any review of any non-securities services provided by Myron Dietrich. Past performance is not indicative of future performance and future returns are not guaranteed. No matter contained in this document may be reproduced or copied by any means without the prior consent of the author or ACPI.

Myron Dietrich Calgary
350 – 7 Ave SW Suite 2902, Calgary, AB T2P 3N9
Ph: (403) 452-6652