Financial Wisdom

July 2021

A Winning Strategy for Next-Gen Assets at Play

Back in university, a friend’s father recognized my passion for math and finance and offered me a position at the Bank of Nova Scotia (Scotiabank). Four decades later, I still love being an educator and helping people make informed decisions, because information is power. In fact, for the last 10 years at Investia Financial Services, that drive and energy has remained at the core of what I do as an Advisor.

While pre and post-retirees constitute the bulk of my book, what I realized early on is that without a proactive multi-generational strategy, assets would be passed down from those clients to people I’d never met, and...

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Getting Back to Basics

Recessions, stock-market declines, housing market bubbles, joblessness and, most recently, a global pandemic have created a series of challenges for people trying to start, grow or maintain a retirement savings plan.

Given this rollercoaster, it’s natural to wonder if you’re doing all you can to protect your retirement nest egg. Taking a "back to basics” approach can empower you and help keep your financial plan on track during uncertain economic times and beyond.

Consider these tried and tested tips that wise financial advisors use to help people like you plan for a secure and enjoyable retirement...

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Be Careful with RRSP Beneficiary Designations

When Margaret and James married in 2005, it was a second marriage for both of them. They had no children, so when they did their financial planning, their wills were clear that 100% of their estates would go to the other. Believing this was sufficient protection, they built a life and continued to grow their wealth.

Sadly, Margaret’s sudden passing in 2019 exposed a serious hole in their estate plan. Her registered retirement savings plan (RRSP), worth $450,000 and the bulk of her estate, listed her first husband as beneficiary. To make matters worse, her RRSP would not only go to someone she was no longer married to, but her estate would also be required to...

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Arthur Ashe

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318 Main Street, Fredericton, NB E3A 1E5
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