David Somerville | CFP

The Greatest Excuses Why Canadians Don’t Have an Estate Plan

It always both amazes and confuses me why we spend a lifetime of our working years to scrimp and save our hard earned dollars for retirement, then we completely miss making an estate plan to pass this on to our children or loved ones. Most individuals spend more time planning their annual vacations then sitting …

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The Debt Crisis Facing Students and their Post- Secondary Education

April is usually a great time for most students who are graduating from College or University. Exams are nearing completion and the next chapter in their lives is just around the corner. The only challenge is that in most cases, students today can’t find appropriate work in their studied field and may have to take …

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Home Insurance

Money Talk: The Right Insurance For Your Biggest Asset

We Canadians love the dream of owning our own home.  Actually, we here in the Niagara Region are still fortunate enough that we still can have that dream even with the  increase of homes and their values over the past number of years. Of course home ownership comes with numerous responsibilities.  One of the most …

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Money Talk: The financial Stress of a Separation

Probably one of the most emotional and challenging events in a person’s life is having to deal with a marriage breakdown.  Not only is it emotionally draining, it is also the reality of selling the house, splitting financial assets and the simple fear of the unknown.  In my opinion, the top three biggest personal fears …

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