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.
The CPP Take-Up Decision: Risks and Opportunities
This white paper, produced by the Canadian Institute of Actuaries, demonstrates that the majority of Canadians would benefit from deferring their CPP pension onset to age 70 and drawing from RRSPs/RRIFs in the interim.
One Important Reminder About The Stock Market And Your Retirement
The world’s most successful investors take a long-term view. They buy and sell like collectors, not gamblers. When faced with the bombardment of news on inflation, employment, recession speculation and interest rate movements, these investors are able to contextualize these factors and tune them out.
Exactly how much pain should we expect for our personal finances in the rest of 2022?
This article contextualizes how inflation, interest rates, portfolios and job security are all intertwined.
Young Canadians more inclined to switch jobs over work benefits
According to employment figures, unemployment is back down to pre-pandemic levels. Employers are reporting difficulty filling positions and labourers (you and me) are becoming more selective when looking for a job.
What we learned about investing during a pandemic
I love to read what journalists forecast and compare those predictions to the prevailing news. In this article, the author addresses today’s timeliest issues: interest rates and inflation.
Inflation … What does it mean?
Filling up your gas tank in recent months is like seeing the bill for your toddler’s birthday party – “how much?” For a smooth family life, however, both must be paid.
BlackRock Introduces Model Portfolios Designed to Help Investment Outcomes for Women
Most women I have worked with would prefer solutions that don’t single them out by gender. Traditionally, the financial community’s approach to working with women has been patriarchal and patronizing.
A Four-Alarm Warning About Inflation’s Impact On Your Finances
Inflation and interest rates have been the talk of the town in recent weeks. These are issues far-beyond our control with central banks all around the world scrambling to adjust and control them.
Wealth transfer: Preparing the next generation
Intergenerational wealth, on our TV screens at least, conjures images of Succession’s Logan Roy dismissing one of his weasel kids with a sneer and expletive. Roy, the fearsome patriarch, who built his business from nothing, watches in disgust as the heirs to his throne – who do no work of any note – connive and backstab in an effort to win the keys to more money and power.
Hire Education: Four Reasons To Force Your Kids To Work This Summer
Today, more teens are employed than they have been in over a decade. As of May, the Bureau of Labor Statistics shows unemployment rates for ages 16-19 among the lowest in the past 68 years. That’s good news for anyone contemplating the next generation of leaders – and for our economy.