Peace of mind through financial confidence

AFS Insights: AFS News

Upcoming Insurance Changes

As of January 1, 2017, changes will be made to the Insurance Act that will impact insurance benefits. New mortality tables and new rules are being adopted in the insurance industry which reflect the fact that people are living longer and their insurance policies will pay out at an older age. Any insurance policies issued… 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 »

Health and Wellness is the Key to Growth

Over the past 20 years employee health and wellness has been on the decline (read more about this concerning trend here).  Encouraging your employees to engage in a healthy lifestyle will not only make them more productive on the job, it can also help reduce the costs of your Employee Benefits Program. To help your… Read more »

New Canada Child Benefit Program

Starting this week, the majority of Canadian families with children under 18 will begin receiving tax-free Canada Child Benefit (CCB) payments. Click here to learn more about this new program.

Maximize Idle Cash in Your Company

Many of our clients are holding fairly high cash cushions in their business. This enables them to respond to the unexpected – whether it’s a drop in sales or an acquisition opportunity.  In today’s low interest rate environment, the challenge is getting much of a yield on your short-term cash. Perhaps a bigger challenge is… Read more »

Investment Commentary

To the surprise of many, and contrary to polls and financial market sentiment, Britain voted to leave the European Union on June 23, 2016. The immediate reaction was very negative: the S&P/TSX fell 4.7%, the S&P 500 was down 5.6% and the Euro Stoxx 600 fell 10.9%. By June 30, all three markets had bounced… Read more »

Why Offer Employee Benefits?

For a business to be successful, you need great PEOPLE.  We continue to hear employees are a business’ most valuable asset; therefore, it’s important to protect your employees.  For many employers, the need to retain key talent and attract new employees would be difficult (and sometimes impossible) without a comprehensive employee benefits program. When employers… 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 »