Blog

February 13, 2018

RRSP vs Mortgage – Wrong Question

It’s February, so the advertising about contributing to your RRSP is ramping up.  Four years ago, I wrote about the classic debate of paying down your […]
January 29, 2018

Debt: How Much is Enough?

I was talking to my friend Frank the other day and I made a comment about people’s willingness to borrow money just because there was a […]
January 19, 2018

Ontario’s New Pension Funding Framework – The Good, the Bad and the Ugly

Further to our client memo on the current consultations by the Ontario Government on the proposed regulations relating to the new funding framework for DB pension […]
January 3, 2018

Taking Stock of 2017 and Looking Ahead in 2018

With 2017 now behind us, it’s time for pension plan sponsors to take stock and plan for the year ahead. Solvency position at December 31, 2017 […]
December 18, 2017

Mortality Improvement – Increasing Again?

As Canadian defined benefit plan sponsors are aware, it wasn’t that long ago that the mortality tables and mortality improvement rates were updated. In 2014 the […]
December 4, 2017

Educating our Children III – Reorganizing the delivery of education

With our oldest just off to University and as the younger two are reaching the end of high school I find myself generally disappointed with the […]
November 27, 2017

CPPIB – What’s going on

“Oh, you know we’ve got to find a way to bring some understanding here today” Marvin Gaye Many investment market participants think that the stock markets […]
November 13, 2017

C.D. Howe – Right Math, Wrong Conclusion

Last week the C.D. Howe Institute issued a commentary by William Robson titled Rethinking Limits on Tax-Deferred Retirement Savings in Canada. It’s an easy 15 pages […]
November 6, 2017

Everyone Needs Good Advice

“What’s in your wallet?” is the Capital One slogan and I laugh every time I see their commercials. To me, the question isn’t “What’s in your […]
October 30, 2017

Rethinking DC

The real title of this commentary should be “Rethinking the role and format of defined contribution programs in the employer-sponsored retirement savings landscape in Canada.” But […]
September 27, 2017

Time to Fix the Maximum Transfer Values

With the expansion of the CPP checked off the Federal Government’s ‘to-do’ list, it is my hope that they still have the appetite to work on […]
August 25, 2017

Texting & Driving – Drunk Driving for a Modern World

I emailed a friend this morning to negotiate a date for a future meeting. He emailed me back with a suggestion that wasn’t going to work […]