What is a Tax Deduction?

Geoff Cook - CFP, CHAIP

When financial planning - taxes become a very important piece of the puzzle in many different times in our lives. It is often best to start with the basics before we can go in to strategizing. This wa...

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RRSP/RRIF/TFSA - The Definitions

Geoff Cook - CFP, CHAIP

In Canada we have two major tax incentivized accounts to save in.The Registered Retirement Savings Plan (RRSP) - A savings plan that allows you to deduct contributions from your income tax and have ta...

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Useful Calculators

Geoff Cook - CFP, CHAIP

 We sometime take for granted the simple access we have to great tools. Here are some useful calculators we use... Financial Needs Analysis        &nb...

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Taxes 101 - What is a Tax Deduction?

Geoff Cook - CFP, CHAIP

When financial planning - taxes become a very important piece of the puzzle in many different times in our lives. It is often best to start with the basics before we can go in to strategizing. This wa...

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A meeting with Norm Lamarche

Geoff Cook - CFP, CHAIP

Last week I had the opportunity to sit and listen to a presentation at our head office by Norm Lamarche.Norm Lamarche is a veteran investor who has made a name for himself over years by bringing treme...

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Newsletter - January 2013

Geoff Cook - CFP, CHAIP

May we offer our sincere wishes to you and your family for a healthy, safe and prosperous 2013.Speaking of prosperity, allow us to start with positive news...the Organization for Economic Co-operatio...

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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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Breakfast with Dan Bastasic

Geoff Cook - CFP, CHAIP

I had the privledge the other day to have breakfast with vetran fixed income investor Dan Bastasic. Dan has recently moved to IA Clarington from Mackenzie Financial. He now manages a corporate bond, e...

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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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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 Paid to Wait Strategy

Geoff Cook - CFP, CHAIP

Our Paid to Wait Strategy consists of owning a broadly diversified portfolio of select sovereign bonds, corporate bonds (investment grade and high yield), real estate investment trusts (REITs), divide...

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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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Variable Annuities

Geoff Cook - CFP, CHAIP

Stock Market volatility and low interest rates stressing out your retirement income? Guaranteed Variable Annuities provide a guaranteed floor of growth (prior to withdrawals) of 5% per year, and a gua...

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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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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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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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Dont Forget These Two Simple Steps When Estate Planning

The pure purpose of Estate Planning is to make an efficient transfer of wealth. 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—set...

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How to Save the Family Cottage

We have all heard the old saying, “Two things are guaranteed in life: 1. Death 2. Taxes.”We are at an interesting time right now where prices of assets over the last 50+ years have seen a tremendous growth spurt. I always find it interesting talk...

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