UPotential is a fee-for-service financial planner – meaning that our compensation is based on a transparent, pre-established rate agreed upon before our engagements begin. We do not receive any compensation from, and do not offer, the sale of any investment or insurance related products/services. As a UPotential customer you will be under no obligation to utilize any particular investment or insurance product/service to action any of the plans we create. If you wish to engage the services of ETF Capital Management – a registered portfolio manager – you should be aware (and will be made aware at the time) that UPotential is under common ownership. Our goal is to help you get the most out of your money – so we will act always in the best interests of our clients, with full transparency, and in a manner which aligns our interests accordingly.
Put In The Hard Work For An Easier Retirement
Retirement planning has long-been regarded as both a science and an art. The science is related to the financial modelling and stress-testing that can help you move confidently into this next phase of your life. The art comes from turning your new-found time and your accumulated wealth into joy and purpose.
Is this the turning point for interest rates?
Interest rate announcements significantly affect Canadian borrowers and lenders. Younger individuals with mortgages or business loans, and older individuals with substantial fixed-income portfolios, are directly impacted. Despite a spike in interest rates, the intended impact of reducing consumer spending and slowing the economy have not yet materialized – at least not yet…
Annuity vs. Life Insurance: What’s the Difference?
Since my financial planning career began over 20 years ago, life insurance has been a regular topic of conversation with clients. This article provides a very good primer on what life insurance and annuities are, how they work, when to best consider them and what objectives they can address.
The Missing Piece In Wealthtech May Just Be Humans
While computers and AI have improved efficiency, many believe that human concern and advice will continue to be the most meaningful part of the financial industry. FinTech works to improve efficiency of administrative tasks; which in turn gives us more time to worry about my clients wealth, wellness and well-being.
How to pay less tax this year if you’re an incorporated business owner
Meet the uber-rich living a ‘frugal life’ like Warren Buffett: They cut their own hair, mend their clothes and ‘avoid Starbucks like the plague’
According to Positive Psychologist theorists, meaning – the service to something larger than yourself – is one of 5 primary drivers of life satisfaction.
How We Age—and How Scientists Are Working to Turn Back the Clock
Clients can benefit greatly from a comprehensive expense review, including bottom-up and top-down assessments. This article highlights the importance of accurately understanding your expenses for retirement planning.
‘I Don’t Make Decisions Based on Money’: Yankees Great CC Sabathia on Taking Chances That Define Your Character
Clients can benefit greatly from a comprehensive expense review, including bottom-up and top-down assessments. This article highlights the importance of accurately understanding your expenses for retirement planning.
What is a good retirement income target?
Clients can benefit greatly from a comprehensive expense review, including bottom-up and top-down assessments. This article highlights the importance of accurately understanding your expenses for retirement planning.
‘Earn while you learn:’ Co-op programs gain appeal amid rising cost of living
Co-op and other paid-internship programs are becoming increasingly valuable for young career starters.