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True Costs of Financial Procrastination
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Have you ever thought, "I’ll start saving next month" or "I’ll get serious about my financial strategy next year"? If so, you’re not alone.
Procrastination is something we’ve all been guilty of at some point. However, when it comes to your finances, the costs of waiting can be much higher than you think. Let’s explore three ways financial procrastination can quietly derail your dreams: buying a home, traveling the world, and enjoying a comfortable retirement.
Difficult House Transitions - Buying a home is a significant milestone, but financial procrastination can make the dream of homeownership feel like a distant mirage. If you delay...
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Insurance Essentials for Small Business Owners
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Starting a small business often begins with a great idea and a desire to build something meaningful.
For many owners, their business isn’t just a source of income–it’s how they provide for their families. But here’s the thing: most small businesses rely heavily on the health, skills, and vision of the owner or a key employee. If something were to happen to that person, the impact on the business, employees, and their families could be devastating.
Unfortunately, many business owners focus so much on reinvesting in their businesses that they overlook a crucial part of their financial strategy–protection against the unexpected. Without a plan for contingencies like illness, injury, or even death...
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The Retirement Dilemma: Part 2
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In retirement, most people aim for financial security–but rising costs can make that harder than expected. Let’s talk about it.
Many seniors prefer to invest in "safe" options, but here’s the reality: your expenses don’t stay the same. Costs like hydro bills, property taxes, and healthcare typically climb year after year. So, what’s the plan? Either spend less, dip deeper into your savings, or find a balance between the two.
The big challenge? Making sure you don’t outlive your money!
Tightening the Belt - Cutting back can help, but only to a point. Downsizing your...
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"Real change, enduring change, happens one step at a time.”
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Ruth Bader Ginsburg
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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.
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Myron Dietrich Calgary 909 - 17 Ave SW
4th Floor, Calgary, AB T2T 0P4
Ph: (403) 452-6652
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