December 2018 Book a Meeting
 
 
A Unique Succession Plan for Aging Advisors

Candid about what he calls "the big, looming issue of aging representatives in our industry," Dave Gorveatte of Investia Financial Services Inc. walks the talk, taking the very advice he gives his clients, and his colleagues: start planning EARLY.

All of my processes begin and end with client well-being, so the real impetus to starting the search for a viable successor as early as I did was to ensure a smooth transition. My goal was to have complete alignment between my business decision and my...

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Credit Balance Insurance: Worth the Money?

Graham*, like millions of other Canadians, has and uses credit cards. He often carries a balance from month to month and is concerned about making the monthly payments if he becomes disabled or gets seriously ill.

Graham doesn’t want to stick his family with the balance if he dies before paying it off.

The credit card company offered him Credit Balance Insurance (CBI) that would take care of these concerns. After looking over the offer, he wondered if it was such a good deal. Credit Balance Insurance is just that - insurance. And insurance requires a premium. According to the Financial Consumer Agency of Canada, the average monthly...



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How Important is it to Have a Will?

Most Canadians want to pass their life savings on to their heirs. The assets remaining once retirement needs are met will be distributed more effectively if there is a properly prepared will detailing the deceased’s wishes. Many people mistakenly believe that this issue is far in the future.

Preparation of a valid will and its related estate planning considerations should be the cornerstone of a proper estate plan. Whenever there is a change in circumstances, the will should be reviewed and updated as needed.

In spite of good intentions, far too many people die without having a valid will. The will is a legal document that details the process...



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You can’t wait for inspiration. You have to go after it with a club.
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Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Please read the prospectus of the mutual funds in which you invest. The information in this email newsletter is general information only and is not intended to constitute specific legal, accounting, financial or tax advice for any individual.
 
Investia Financial Services Inc.
318 Main Street - Fredericton, NB E3A 1E5
Ph: (506) 474-0010