Financial Planning

August 27, 2018

CAAT DBplus – A Step in the Right Direction

There is an interesting development in the Canadian pension landscape that has the potential to be a real game changer.  Earlier this year, the CAAT Pension […]
May 8, 2018

Regulation of Financial Planners – Something’s Missing

Earlier this year, the Ontario government issued a Consultation Paper on the Regulation of Financial Planners (the “Proposed Regulations”) seeking comments on their proposals.  This follows […]
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 […]
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 1, 2017

Sears Canada – Retention and Retirement

I didn’t think much of it when news came out in June that Sears Canada had sought bankruptcy protection. Companies take wrong turns all the time […]
July 24, 2017

Too Late to Complain about Enhanced CPP

Earlier this month, an op-ed article by Rob Brown in the Globe and Mail referenced a recent study by Bob Baldwin and Richard Shillington, which takes issue […]
June 6, 2017

Minimum Wage Changes – Maximum Velocity

I have said in the past that I am not interested in politics, don’t understand politics, and don’t align myself with a political party or movement. […]
May 29, 2017

Scary New Powers for the Superintendent

Recently overshadowed by the big announcement on the new funding framework for defined benefit pension plans, earlier this month the Ontario government issued a pair of […]
May 12, 2017

The Music Just Stopped – Housing Prices, Home Capital and Moody’s

I hope readers all remember the childhood game of musical chairs.  Kids walk in a circle around a set of chairs while music plays – when […]
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 […]