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.
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.
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.
Stop Asking, “What’s the Worst That Could Happen?”
Well-meaning friends and family members are full of advice and support when we are pursuing that ambitious goal or that risky next step. Some might ask, “what’s the worst that can happen?”. While seemingly supportive and encouraging, research has shown that the appropriate retort is, “what’s the best that can happen?”
The Four Financial Resolutions You Should Make To Straighten Out Your Family Finances in 2023
Young Canadians who are carrying mortgages have been disproportionately affected by the rapid rate of interest rate increases. Although interest rate increases were foretold (don’t tell me they weren’t since you had to qualify for the mortgage and pass a stress-test!), the fact of the matter is that home ownership provides many Canadians with a feeling of security and future building that no other asset can provide.
We Should Stop Worshipping at the Altar of Convenience
Financial planning should be about focusing on the values YOU want to live by today, tomorrow and into the future then under-writing the costs of making them come true.
How To Develop A Positive Financial Mindset
Financial planning should be about focusing on the values YOU want to live by today, tomorrow and into the future then under-writing the costs of making them come true.
Building a Whole Life, Not Just a Career
All too often, the conversation veers towards the elements of their current daily lives that they can’t wait to get past. Less-than-satisfying workdays, endless chores and heavy responsibilities at home rob clients of joy every day.
US Women Now Make as Much or More Than Men in Half of Marriages
New research on gender roles and earning capacity shows that despite the persistent wage gap, more women than ever are the primary income earners in their families.