Should You Take CPP at 60 or 65?

Deciding when to start receiving your Canada Pension Plan (CPP) benefits is a significant decision that can impact your financial well-being in retirement. The choice between taking CPP at 60 or 65 involves weighing various factors, including your financial needs, health, and retirement goals. This article will explore the pros and cons of both options … Read more

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How to Unlock a New Brunswick Union and Trades Pension

One of the most common requests when working with New Brunswick retirees is helping unlock their eligible pension amounts. This requires a calculation done online through FCNB to determine if you have ever previously done a pension unlocking and what the amount would be. It is important to know that for NB pensions you are … Read more

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What are Segregated Funds?

Segregated Funds: The Best kept Secret in the Investment Industry Why are advisors so Quiet about Segregated Funds? Is it that they are a unique to Canada Product that only can be sold by Financial Advisors with a Life Insurance License? Possibly Segregated Funds are often treated as an “afterthought” or a “niche investment vehicle”, … Read more

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Should A young Professional Invest in a 20 Pay Whole Life Insurance Policy?

Should A young Professional Invest in a 20 Pay Whole Life Insurance Policy? I have spent the last decade critically analyzing the value of investing in 20 Pay Whole Life Insurance. It has taken years to conclude that it is an extremely effective way to build wealth for retirement and estate planning. Here are some … Read more

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Life Insurance Vs Mortgage Insurance (Hint: It does matter)

Yes, its worth it to make the switch to real Life Insurance! Here are some reasons why: Let’s explore a common scenario: You are finishing up your Mortgage documents and the broker/banker asks if you would like to apply for the Life Insurance. You quickly glance at your spouse and you both conclude that obviously … Read more

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