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.
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.
Why Wait Until Retirement To Maximize The Joy In Your Life?
Sometimes we spend so much time preparing for what’s to come, that we forget to maximize the joy in our every day.
Real Luxury Goods Don’t Have Brand Names
From the practical point of view, nothing beats the feeling of reassurance that a solid bank balance and investment portfolio provides. As Ms. Benz describes in this article, not having to live on a budget – because we have become accustomed to an affordable and satisfying standard of living – comes a close second.
Should we use the money in our TFSAs to pay off our mortgage?
Rising interest rates can be a motivating factor for many in paying of a mortgage, but there are pros and cons to using TFSA savings.
Why Are You Really Still Working?
The real reason you’re still working could be a variety of issues – and it’s up to you to figure out why and to find out if you can stop.
Proposed Tax Changes in Canada Could Stifle Large Charitable Gifts
Over the past 25 years, charitable donations in Canada have experienced substantial growth, primarily driven by higher-income Canadians. However, this positive trend will be affected by the introduction of new tax laws; which will reduce the tax advantages for donating securities.
Dear 90 Year Old Me…
In this brief 3-minute video, we discuss the importance of future thinking in creating a lifestyle that we aspire to have.
Tortoise-Estate Planning—One Chore of Having a Pet That Lives 100 Years
When it comes to the care of a child or a disabled relative, most people would bite the bullet, pay the tax and secure their care. Would you do the same for a tortoise?
The Right Amount of Cards, Cash and ID to Carry in Your Wallet
Responsible cash management starts with how you pay for transactions. This article provides some interesting examples of reasons to carry some cash, some credit cards but not too many of each.