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!
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.
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Smart Strategies For Building Wealth And Giving Back
Will You Retire at the Same Time as Your Spouse?
You may think the vast majority of couples retire at the same time. However, the last time Statistics Canada reported on Canadians retiring together or not, only about 30% of couples retired together.1 Also, an Ameriprise Financial survey conducted this year showed that a majority of American couples retire at different times.
How Falling Interest Rates Impact your Financial Life
The Bank of Canada’s interest rate cut in June was slight, yet significant. It was the first rate reduction in more than four years and a signal of cuts to follow, which we’re already seeing. One of the first things that interest rate cuts bring to mind is lowering the cost of borrowing, but they can also affect investment performance.
Rumour Has It: Fact Versus Fiction in the Markets, AI and Tech
There were multiple factors which caused a meltdown in the Japanese stock markets and corrections everywhere since the beginning of August.
Tech Takeover: For Better or for Worse?
Have you noticed your social media seems to know you these days? It continues to improve in relevance, and it is only showing you content that will likely interest you (by giving a “like” or making a purchase). With the rapid development of artificial intelligence (AI), the computer is no longer instruction-driven; it has developed to become intention-driven.
(The Process Of) Economic Normalization and What That Means for the Outlook
We are in the process of normalizing the economy, but what does that mean? Positive economic growth, check. Full employment, check. Normal monetary policy via positive real interest rates, higher inflation, and (somewhat) reduced central bank balance sheets, check. Normal fiscal policy, noticeably absent.
Do You and Your Spouse See Investing the Same Way?
Interestingly, spouses with very different—even opposite—investment personalities may quite easily develop an investment program that’s just right for the couple. Yet, in some cases, partners who view investing the same way may need to proceed with caution.
Determining Which Donation Method Suits You Best
When choosing how to make a large charitable gift, the number of available options can seem overwhelming—especially when each brings its own financial benefits.
How to Avoid or Minimize the OAS Clawback
Whether the amount is small or large, whether it applies to a couple of years or many, Canadians don’t like their Old Age Security (OAS) pension clawed back.
Profit by Overcoming Investment Biases
Financial behaviourists have identified well over 20 investment biases that can tempt or lead individuals to invest in a particular way. Generally speaking, none of the biases is good news for investors.
Private Markets: Credit Over Equity
In terms of performance, private market assets generally had a better absolute year in 2023 but a weaker relative year compared to 2022. In that year, most parts of the private markets outperformed the double-digit losses experienced by their public market counterparts.
Consider the Timing of Leaving an Inheritance
Naming a beneficiary in a will may be seen as the most common way to leave an inheritance to a loved one. However, in certain situations, many people choose to give an advance on an inheritance during their lifetime or have the funds distributed in the years following their passing.
The Upside of Canada’s Economic Woes
Living in Canada, most of us are aware that over the past year and a half to two years interest rates and inflation have dominated the economic discussion around here.
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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!