The benefits of increasing offshore exposure in post-retirement

One of the most significant once-off life events a person will ever experience is retirement.  Therefore a large portion of an individual’s working life is committed towards preparing for this occurrence, as one does not get a second chance at it.  This transition from actively earning an income to passively generating an income while in retirement is so important that an entire profession (financial adviser) and industry (financial services) is…

The value of RAs… Include them in ‘Plan A’ for every client

Question around the value of Retirement Annuities Q(RAs)  within  long  term  financial  planning  are frequently raised. The apparently simple response is complicated  by  constantly  changing  regulation,  most notably the Income Tax Act. Over time I have witnessed and participated in countless debates – and read many articles – on the merits of RAs. The topic attracts controversy with viewpoints often varying according to which side of the fence one sits…

Saving for Retirement in Your 40s

Your 40s are a busy time.  There are quite a variety of expenses to consider. For many people, funds aren’t just for raising children.  For some, helping aging parents with financial assistance may also come into play.  And of course, there is also debt and mortgages. It may seem like your accounts are being pulled in several different directions.  While that may be true, it is equally, if not more, important…