Is your Wallet Locked and Loaded?

Geoff Cook - CFP, CHAIP

Have you ever heard the old saying “Ride or Die”? If you were a Brooklyn Police Officer in the 1970s, it meant that when you carried your gun, you were ready to use it (ride it out, or die trying)...

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Risk Free Return or Return Free Risk?

Geoff Cook - CFP, CHAIP

It is interesting how herd investing and recency bias works. People often make poor investment decisions because they "Follow the Herd" and do what everyone else is doing and most people think what ha...

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GIC Rates in Canada

Geoff Cook - CFP, CHAIP

To see the rates of all GIC providers in Canada click on the image belowSource: canoemoney.caDid you know you can often earn a higher rate of return and get added benefits by purchasing a GIC from a L...

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Don't let a good Recession go to waste

Geoff Cook - CFP, CHAIP

Although we may not be in the perfect definition of a recession, we can rightfully say we are in recessionary times. Unemployment is still high, interest rates are still low and economic growth has st...

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I don't want to invest my money now because...

Geoff Cook - CFP, CHAIP

A lot of investors are worried these days and rightfully so, there is a lot of uncertaintly in the world right now. Whats interesting is that there has always been uncertainty and reasons why "not to...

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The Story of Mr. Market

Geoff Cook - CFP, CHAIP

Alot of people lose a lot of money investing. Many times the reason is because they let Mr. Market take advantage of them...This story was written by father of value investing Benjamin Graham in his c...

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The Three M's of Mutual Funds

Geoff Cook - CFP, CHAIP

Mutual funds get alot of flack, and dont get me wrong they should there is a lot of terrible funds out there...But dont kid yourself, there is also great money managers out there who can do a far bett...

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Why the average person is broke

Geoff Cook - CFP, CHAIP

Of 100 men at age 6554 will be BROKE (live too long)36 will be DEAD (live too short)5 will still be WORKING (no choice)1 will be RICH (money at work)Source: Statistics Canada Why the Average Family/Pe...

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RRSP 101 - Deferral

Geoff Cook - CFP, CHAIP

An important thing to understand about RRSP‘s is the concept of Tax Deferral. What does this mean?Tax Deferral–This simply means that you will not have to pay tax on the money that your money make...

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Useful Calculators

Geoff Cook - CFP, CHAIP

Check out these great useful calculators that will help you understand and get organized with your financial affairs. Send us a message if you would like help using or understanding one. Financia...

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RRSP 101 - Deductions

Geoff Cook - CFP, CHAIP

Alot of people arent totally aware of how the RRSP tax refund works, so I am going to do my best to explain it to you. I think it is important that people understand the pros and cons of RRSP`s and wh...

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How long until my money doubles???

Geoff Cook - CFP, CHAIP

Someone asked me the other night "Hey Mr.Cook, how long will it take to double my money?"...Now one would think that this is a question that is impossible to answer...However there is actually a very...

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A common misunderstanding about TFSA and RRSP

Geoff Cook - CFP, CHAIP

I am constantly explaining a common misunderstanding to people. They are not aware of their freedom with their RRSP's and TFSA's.Let me explain...What most people think is that these are accounts that...

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TFSA - Not your average bank account

Geoff Cook - CFP, CHAIP

One of the most common misconceptions is that a Tax Free Savings Account is just a checking account that you get at the bank. Although some Banks offer a superior savings rate for a TFSA, you could be...

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Dont Forget These Two Simple Steps When Estate Planning

The pure purpose of Estate Planning is to make an efficient transfer of wealth. Period.Efficiency of Estate Planning is measured in two parts:1) Tax: It is important to plan your estate in a way that will transfer wealth in a tax-efficient manner—s...

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