Blog

April 27, 2017
educating our children, photo of a recent high school graduate hold a sign that says senior

Educating our Children II – The demise of letter grades

Driving home from Toronto a few weeks I caught a program on CBC about the elimination of letter grades on report cards in Maple Ridge, BC.  […]
April 26, 2017
A photo of a financial advisor pointing something out to a client on a computer monitor.

Financial Advisors, lack of regulation holds consumers back

In March, the Ontario government quietly released the Final Report of the Expert Committee to Consider Financial Advisory and Financial Planning Policy Alternatives, which the Liberals […]
April 19, 2017

The End of Improving Mortality

I have long argued that mortality rates in Canada, and around the first-world more generally, may not be destined to improve indefinitely. This skepticism is rooted […]
March 28, 2017

A Difference of Opinion

I have been fascinated by the dispute between the Ontario Government and the Office of the Auditor General of Ontario that has transpired regarding the treatment […]
February 28, 2017

Fixing Pension Death Benefits

    On January 1, 2017, the Ontario government has changed the definition of spouse under the Pension Benefits Act which will affect the way death […]
February 14, 2017

The Value of a Good Broker

  Real estate agents and insurance brokers are often maligned. It offends some people that an individual can collect a big fat commission cheque for what […]
January 31, 2017

Updated CAPSA Guideline No. 4: Pension Plan Governance

Are your pension plan governance processes as good as they can be?  Are you following the governance practices that you’ve established?  Do you even know how […]
January 17, 2017

De-risking in 2017

The last decade has seen much written and discussed about de-risking and in fact as I look back I started seeing this discussion emerge twenty years […]
January 3, 2017

It’s January 3, 2017 – let’s start the year off with some good news

With 2016 now in the past, it is time for pension plan sponsors to take stock and plan for 2017. Solvency position at December 31, 2016 […]
December 12, 2016

Precarious Employment & Lower for Longer

In Niagara Falls on October 22, 2016, Bill Morneau, Canada’s Finance Minister, advised young Canadians to get used to “job churn”. Mr. Morneau expects high job […]
December 1, 2016

Taking responsibility – Saving for retirement in a DC world

    I have been so busy writing about government fantasies that I have fallen behind on writing about the pension arrangements that now cover most […]
November 15, 2016

Public Public Partnerships

    When I was a kid, governments built roads and power plants to meet the needs of our citizens and these long-term investments were paid […]