Peace of mind through financial confidence

AFS Insights: Financial Planning

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 »

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 »

Planning for Your Children’s Education

At the start of a new school year, there are plenty of things to keep parents with young children busy (even busier than usual!).  Shopping for school supplies, establishing new routines, and managing those first few anxious weeks as your children adjust to new teachers and new classmates can be exhausting.  But each September you get… Read more »

How Can We Help?

Pre-retirement, retirement, mid-career or early career – what stage are you at? Just like spring cleaning, is it time to dust off the cobwebs on your financial plan and have a review? In theory, planning sounds like a great idea.  We all want to feel like we are in control and on track to achieve… Read more »