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Stock investing is an important engine of growth in your portfolio, but deciding on an investing strategy and particular stocks can be challenging. When designing a diversified portfolio that minimizes risk, it can help to think of stocks as falling into one of two categories: growth stocks and value stocks. Both growth and value stocks…

When constructing a portfolio, it’s critical to understand three important factors: your goals, your time horizon, and your risk tolerance. Of those three, risk tolerance can be the trickiest to get a handle on, especially since it can be determined in large part by your emotions and how well you handle turbulence in the market.…

When you’re deciding how best to transfer your wealth to heirs, it’s common to have several competing concerns. You may want to keep your assets private, minimize taxes, and ensure that your gift is distributed according to your wishes. A family trust is a popular estate-planning tool that can address these issues and more.  What…

It’s common knowledge that investing in mutual funds, index funds, or exchange-traded funds (ETFs) can help build a diversified portfolio. These funds hold diverse baskets of securities, including stocks, bonds and other assets from real estate to derivatives. By investing your money in a variety of investments, you help minimize the risk that your investments…

As tax planning season and end-of-year charitable giving begin, it’s a good time to consider the benefits of donor-advised funds. Charitable giving has many facets, most notably as an opportunity for you to support the causes and organizations that reflect your values. But giving is also a significant tax and financial planning opportunity, helping you…

If you’re a parent, the start of the new school year may have you considering how much you’re able to set aside for your child’s college fund.  Average tuition for full-time undergraduate programs in the 2021-22 academic year was $6,693 in tuition fees, an increase of 1.7% over the previous year, while annual tuition for…

The charitable remainder trust (CRT) originated in the United States. It has become a popular estate-planning tool, allowing donors to pay themselves a lifetime income, give to charity and minimize their tax burden in one fell swoop. Eventually, the CRT came to Canada. But differences in tax codes between the two countries make it a…

Talking with loved ones about estate planning and inheritance can be challenging, especially as it centers around two taboo topics – money and death. But talking with your adult children about their inheritance can provide signature advantages for you and them. It can help your heirs better prepare for the future and give you a…

Sometimes stock prices drop across the entire market at once triggered by a range of things, such as a natural disaster, political turmoil, concerns over rising interest rates, a global health crisis, or problems within a single sector that cause a domino effect across the market.  A decline in stock prices of 10% from their…

Retirement planning requires forethought, discipline, and the juggling of many moving parts. Staying on track to meet financial goals can be tricky for anyone, but it can be especially hard for women, who face a number of financial headwinds. Women face unique challenges when it comes to employment, income, and caregiving; as a result, they…