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Articles & Insights


Market Commentary 4th Quarter 2019 Thumbnail

Market Commentary 4th Quarter 2019

What a difference a year makes! We saw quite a turnaround story in 2019 compared with 2018. Despite escalating trade tensions between the United States and China, Brexit uncertainty, and a slowdown in the global economy, the year progressed in an unexpectedly pleasant fashion. In the second half of the year, global markets soaked up additional stimulus from global central banks and a first phase deal between the United States and China to extend the longest bull market in history. By the end of the year, every major asset class was materially positive.

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Commentary Investment Note

As of this past July the current US economic expansion is now the longest since World War II. And while there is little evidence to suggest it is over, we do need to consider that it is closer to its end. Let's be clear, recessions are difficult to predict. But then again, in the context of asset allocation it isn't as black or white as whether we are in a recession or not. There are multiple shades of grey. And we may want to consider how to position during the transition from one to the other.

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From LIRA to LIF to RSP – unlocking funds when the time is right Thumbnail

From LIRA to LIF to RSP – unlocking funds when the time is right

Often, I get questions about the differences between RSP’s and locked in retirement accounts (LIRA’s). While both share very similar properties, they do have some key differences. RSP’s were originally introduced so that people who did not have access to a pension plan at work could effectively use an RSP to create their own pension plan.

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4 Ways Your Life Insurance Policy Can Benefit You While You're Living Thumbnail

4 Ways Your Life Insurance Policy Can Benefit You While You're Living

Buying a life insurance policy is a substantial first step in creating a financial sound future for your family. However, the benefits of your policy can be just as effective during your life. Explore how your life insurance policy can help create a strategic cash flow plan for college or retirement.

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