The article “Why It’s Time for Canada’s Financial Industry to Put the Customer First” was originally published on Financial Post on June 16, 2017. Jason Heath: Why is government hesitating to force advisers to do what is right — to act in clients’ and customers’ best interests? Scrutiny of the…

The article “Banks’ Dirty Little Secret: You Can Hold Your Mortgage In Your RRSP — But Is It Worth The Trouble?” was originally published on Financial Post on February 27, 2017. There are a lot of reasons why holding your mortgage in your RRSP is appealing. And there are a…

The article “There’s More To The RRSP Than Mutual Funds and ETFs, But You Have To Tread Cautiously” was originally published on Financial Post on February 17, 2017. At this time of year, we are bombarded by marketing to buy the same RRSP investments we have always purchased in the…

The article “Yield Matters So Here’s A Primer On High-Dividend-Paying Stock, Bond and ETF Options to Fund Your RRSP” was originally published on Financial Post on February 7, 2017. Interest rates have stayed lower so much longer than most would have expected after the 2008 financial crisis. The U.S. Federal…

The article “The RRSP Is Turning 60 This Year, But It Isn’t Planning A Retirement Of Its Own Any Time Soon” was originally published on Financial Post on January 31, 2017. The Registered Retirement Savings Plan is turning 60 this year. As the RRSP approaches the typical retirement age, participation…

The article “Why You Should Think ‘Smile’ When Planning Your Retirement Spending Path” was originally published on Financial Post on January 4, 2017. Rudimentary retirement rules of thumb are prevalent in a financial industry that prefers to spend more time focused on stock picking than retirement planning. On that basis,…

The article “The Big Lesson From Nortel Networks: Pension Plans Aren’t A Guarantee” was originally published on Financial Post on October 21, 2016. Ever since Nortel Networks first filed for bankruptcy protection in 2009, the 20,000 Canadian pensioners of the company have been waiting to see how much they will…

The article “Why We Need Regulations To Protect Seniors From Unscrupulous Financial Advisers” was originally published on Financial Post on July 8, 2016. The Ontario Securities Commission has announced the formation of the Seniors Expert Advisory Committee, with the deadline for applications set for July 29. The committee could be…

The article “Leaving An inheritance? Here Are The Most Rewarding Options For Spreading The Wealth” was originally published on The Financial Post on May 13, 2016. Most Canadians are worried about ensuring that their savings will last as long as they do — but a select group are pretty sure…

The article “Move Over RRSP, TFSA: Here Are 7 Strategies For Maximizing Investment Returns You Might Not Know About” was originally published on The Financial Post on April 29, 2016. Investors tend to focus first and foremost on gross returns. Since an investor only gets to keep their net return…

The article “Why Trust Funds Aren’t Just For Royalty Or The Rich And Famous” was originally published on The Financial Post on April 1, 2016. Most people think that trust funds are for Hollywood heiresses and British royalty. But many much more average Canadians can benefit from including trusts in…

The article “How To Figure Out How Much Investment Risk You Should Carry In Retirement” was originally published on The Financial Post on March 18, 2106. Assessing appropriate risk for an investment portfolio is more art than science. While the tools for determining asset allocation between stocks and bonds are…