Financial Freedom Insights
Smart Strategies For Building Wealth And Giving Back
We want to make financial topics easy to understand and help you take control of your financial future. With tips on smart saving, investing, budgeting, and even philanthropic planning, we’ve got you covered. Our goal is to give you the tools and knowledge to feel confident about your financial journey—while also making a positive impact along the way!
How to give directly to charities inside or outside your will
You can leave a legacy to charities directly by donating cash, securities or specific assets, making beneficiary designations, or transferring ownership of permanent life insurance policies.
The Surprising Variety of RESP-Eligible Programs
When you imagine the post-secondary education you’ll fund with a Registered Education Savings Plan (RESP), you may first think of a university or college. However, the government lists several hundred institutions beyond traditional universities and colleges that have programs eligible for RESP funding.
Wealth Planning for Empty Nesters
Life is different once your children leave home and start out on their own. Whether you have a sense of melancholy or feel free and easy as you look forward to a new chapter, it’s important to recognize that various aspects of your financial life may change.
Saving Tax All Year
Tax season is approaching, which means looking for credits and deductions to pay less tax wherever possible. However, other opportunities are available to save tax that may be implemented at any time during the year.
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Smart Strategies For Building Wealth And Giving Back
Why Drawing Retirement Income is Personal
How much annual retirement income can you safely withdraw? Which source of savings should you access first? When should you start government benefits? What guidelines can you follow? There is no cookie-cutter approach to withdrawing retirement income. Here are just some of the factors that make one retiree’s income plan different from another’s.
Industrial Revolution 2.0 and Globalization 2.0 Are Both Underway
The first round of industrial revolutions (coal, gas, nuclear, internet) saw the growing use of machines and computers to enhance human productivity. The job markets rebalanced effectively as a result of training and education moving humans up the food chain. We enjoyed decades of improved lifestyle due to increased income and reduced number of hours worked.
Have You Built Charity and Philanthropy Into Your Estate Plan?
With the winter holidays fast approaching, many media campaigns are asking us to remember the less fortunate in our communities and beyond, and to donate generously to help support them.
Welcome to Forecast Season
If there’s one thing we can count on every January, it’s financial forecasts for the upcoming year. Whether online, in the business press, on television or on the radio, predictions abound on markets and the economy. The question is whether you can always trust these media reports. If you hear or read enough predictions, you’re sure to notice conflicting views—and, of course, they can’t all be right.
Are You a Canadian Resident with U.S. Property?
With the weather cooling and winter on the horizon, snowbirds are poised to fly south—but if you’re looking to purchase a property in the U.S. or returning to one you already own, you may face estate planning complexities.
AI to Drive New Economic Paradigm and New Era of Investing
Experienced money managers have seen many investment trends evolve, but nothing compares to AI. Explore the great shift this mega-trend is creating in modern investing.
I’ll Be Gone Anyway, so Why Plan my Funeral?
Many people avoid conversations about funerals, particularly their own. Some are indifferent to what happens to their body. Others dismiss the topic to deflect their discomfort, saying, “I’ll be gone anyway, so why worry about it?” Meanwhile, those who are superstitious may feel that discussing their own death is taboo and will somehow hasten their passing. Still, it’s a conversation worth braving.
Diversification Working On a Comeback
After a difficult performance for the 60/40 portfolio in 2022, you might forgive investors for throwing in the towel on the idea of diversification. When stock markets stumbled, where were bonds to mitigate return downside and reduce overall risk?
Muted Markets and More Volatility
This month, we asked one of our portfolio management teams, Wellington Management, to provide their insights into the markets and to explain how their portfolio is positioned.
Why Tax Deferral Works
Whenever you have a chance to defer paying tax, a common thought is, “Why pay tax now when I can pay it later?” However, there’s more to the story than simply postponing the tax bill. Depending on the tax deferral situation, one or more of these benefits may apply. Here are some common and less well-known tax deferral opportunities.
Have You Reviewed Your Choice of Executor?
Events in your life or changes involving the person you designated may call for a review of your executor—also known as a liquidator, estate trustee or personal representative, depending on the province.
A New Family Calls for a New Estate Plan
In a typical estate plan, each spouse leaves their assets to the other. When the second spouse passes away, assets are distributed to the children. However, an estate plan is not usually typical when you remarry and have children from a prior marriage.
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At Endurance Wealth Partners, we’re here to help you simplify your financial journey. Whether you have questions, need advice, or are ready to take the next step, we’d love to hear from you!