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.
Quit Comparing Your Investment Success – Or Lack Thereof
Investors often switch advisors during a market downturn because they are disappointed in their return on investment and believe that they could do better elsewhere. But research shows that staying invested – rather than liquidating your portfolio and starting all over again – is necessary to achieve the long-term performance that is required to support your retirement goals. Sounds like a pretty clear case of FOMO to me.
3 Reasons Employers Should Focus on Employee Financial Well-Being
I am often invited to deliver seminars/webinars to corporate groups. Some call them “Lunch and Learns” others request half-day workshops. The feedback from participants has always supported this article’s thesis: that “the tangible impact on employees of financial education can be life-changing”.
The 3-step method to get wealthy and stay that way, according to a new book on money and happiness.
Financial resilience is the most-important thing that I can impart to a client. Over time, that resilience can come in the form of protection against risk, coaching through market downfalls and tax-efficient harvesting of accumulated wealth.
Why Most Financial Plans Fail
The core of my work as a financial planner has never been to show you dramatic projections of the amount of tax you will save or the legacy that you can leave to your children.
The Bank of Canada isn’t losing sleep over inflation, and neither should you – yet
Projecting the costs of goods and services is one of the most critical pieces to understanding the lifestyle that your wealth can support. This article discusses a trend that is important to keep in mind in light of the attention recently paid to inflation numbers.
Are You About to Get Married? It’s Time to Have the ‘Money Talk’
The June edition of the UPotential webinar series entitled “Marriage Vows, Instead of Money Woes” discussed some of the reasons why money breaks up so many relationships and offers some suggestions to help couples establish a good money partnership or repair a poor one.
When withdrawing funds early from your RRSP makes sense
One of the strategies that we focus on in our retirement planning engagement is tax-efficient harvesting. This article discusses some of these strategies in broad strokes.
Spring Cleaning Your Money Management
If you are anything like me, springtime’s warmer weather brings with it a renewed optimism about our physical surroundings. “Spring cleaning” helps us to dust away the soot and the cobwebs that accumulate during winter’s hibernation and rejuvenate us for the precious summer months ahead.
No recovery without ‘she-covery’: Women bear the brunt of latest jobs decline
Unlike most recessions, the pandemic has targeted industries dominated by women. In a world where a gender-based wage gap still exists, the statistics presented in this article also foreshadow a leaner retirement for women.
4 Important Financial Lessons Women Can Learn From the Bill and Melinda Gates Divorce Announcement
I have been working with clients preparing for, undergoing and recovering from divorce and separation throughout my career. Most approach the decision to change their family structure with fear and sadness…