Peace of mind through financial confidence

AFS Insights: Individual Services

Investment Commentary

Happy Easter!  We hope you and your family had a wonderful long weekend and are enjoying a great Spring. Considering the year began with such uncertainty, stock and bond markets performed exceptionally well in the first quarter. People overestimated the magnitude of market volatility that would ensue from an Obama to Trump transition of power and markets… Read more »

Planning for Incapacity

Incapacity.  For many people, it’s not something they want to discuss, never mind prepare for.  Some people trust in their families or the government to look after them while others are simply confident it will never happen to them.  In the end though, there is only one person responsible for making your wishes known: You…. Read more »

The Clawback Conundrum

Most people’s retirement income includes government benefits that can be clawed back or forfeited altogether if their reported income is too high. There are several ways you can reduce your reported income to maximize benefits in retirement. To learn more about this important planning area, check out this article: The Clawback Conundrum If you’d like to… Read more »

The Benefits of Budgeting

Let’s capture the momentum of the New Year and improve our knowledge of our personal finances.  This will provide greater peace of mind, and clarity around steps you need to take to get things back on track.  Some people just naturally live within their means, without paying much attention to the relationship between how much they… Read more »

Teaching Children About Money

Speaking with your children on the importance of managing money seems to be a topic the majority of parents bypass.  Many parents will either push away the financial conversation or just neglect to have it at all.  The fact is starting the conversation at a young age and continuing it during different stages of your… Read more »

Celebrating Financial Literacy Month – Part 3 of 3

Earlier this month, we shared some links to our favourite articles explaining basic financial concepts  and gave you some tools to help you better understand and manage your personal finances. To wrap it all up, we want to  share some of our favourite personal finance websites for you to explore: Practical Money Skills Get Smarter… Read more »

Celebrating Financial Literacy Month – Part 2 of 3

Last week, we shared some of our favourite articles explaining basic financial concepts. This week, we have a few tools for you to use to help you better understand and manage your personal finances: Worksheets to Hone Your Money Management Skills A Variety of Helpful Tools and Calculators Guides to Common Financial Questions Tools and… Read more »

Celebrating Financial Literacy Month – Part 1 of 3

November is Financial Literacy Month, an initiative hosted by the Financial Consumer Agency of Canada to empower Canadians to achieve their financial goals through better education and understanding of financial concepts. To help you get started, we wanted to share these four articles which do a great job of explaining some basic financial concepts all… Read more »

Two Tips in a Low Interest Rate Environment

Every day we read stories in the media about the impact of low interest rates on Canadians.  It doesn’t appear rates will be rising any time soon.  So, what should we do?  Many of our clients are wondering how low rates will affect them over the short- and long-term.  Following are a couple of key… Read more »

Investment Commentary

Summer is now behind us and, true to form, July and August passed without much fanfare. All eyes were on September, traditionally the worst-performing month of the year. Again, in line with history, we saw an increase in volatility and a small market retreat. Much of September’s movements could be attributed to headline news, brought… Read more »