It’s still too early to see what is going to come out of the Federal election results in financial terms so let’s take a look at what is happening in the rest of the world: EU transitioning from a Greece crisis to a Migrant crisis: The financial and logistic repercussions of what is now termed […]
About John Shelling
This author has yet to write their bio.Meanwhile lets just say that we are proud John Shelling contributed a whooping 15 entries.
Entries by John Shelling
I would like to share with you an illustration from a slide that is an integral part of my Estate Planning seminars. This slide illustrates how Smart Estate Strategies enhance your Legacy and provide Direct Settlement to your Beneficiaries. I hope you enjoy this illustration which can be accessed through the link below: Smart Estate […]
I would like to offer you the opportunity to participate in an exercise that may help you identify and protect your current or future retirement lifestyle from a significant financial risk. The Exercise This question is part of my Estate Planning Seminar, and will help you identify how extended family can pose a financial risk […]
Estate Planning and Wealth Enhancement should not be mutually exclusive. Through our Transgenerational Programme you would purchase and own a Life Insurance Policy that insures the lives of your children or Grandchildren to: Provide an immediate enhancement of your Legacy. Create a growing Tax Sheltered Savings Account that you can access at any time. Provide […]
Well what a start to the year – dominating the business news: Oil falls below $50 a barrel. Our Canadian dollar drops below $.80 USD Oil – History Repeating Itself? One of the more interesting articles I read was by Gwyn Morgan of the Hamilton Spectator started out quoting this headline from the Los Angeles […]
Don’t know if your savings will last? Traditional financial plans say you can withdraw 4% of your initial portfolio value every year (with inflation adjustments). But low interest rates or a long bear market may force you to adapt. If you’re concerned about outliving your savings, plan to be flexible with withdrawals. “People get anchored […]
Investing your registered retirement income fund in stocks and bonds will produce some troubling losses every so often, but you have little choice these days if you want to achieve a decent long-term return on your investments. The question is, just how unstable will returns be in a portfolio that includes stocks? We can get […]
Based on a C.D. Howe Institute report that suggested one possible solution to the alleged retirement crisis was simply to go back to the half-century-plus RRSP and raise contribution limits for the (relatively) few affluent people who are forced to save in taxable accounts because they’ve maxed out on RRSP room. If you’re at top […]
Canadians can no longer rely on pensions, government benefits and bull markets. There was a time when many Canadians retired right at age 65—whether they wanted to or not. It was a full-stop kind of retirement: you worked for the same company for most of your career, they threw you a party on your last […]
Whether you have limited funds to invest or need to withdraw some hard cash, explore a tax-friendly solution. If you have limited funds this RRSP season, and you can’t maximize both your RRSP and TFSA contributions, you likely will have to choose which plan is best for you this year. Both an RRSP and TFSA allow […]
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