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Wealth Viewpoint

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December Newsletter

Personal Wealth and Finance




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Long-Term Care Insurance (LTCI) 

We face a rapidly ageing population. Since the 1920s, the ratio of seniors over 85 has more than doubled. This number increases into the 2050s for those over age 85. Who will care for you in your old age? When our …


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Investor Insight

6 mistakes that can keep you from building your nest egg

People behave according to their mindset. Some of the following thinking can keep one from putting their money to work, which could be achieved by buying equity investments such as equity investment funds. Psychological fear can also hold one back …


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More Recent Articles




Financial Viewpoint

The Fundamentals of Financial Independence

Here are some essential strategies that will help you achieve financial independence. It is important to get solid advice to design a plan incorporating planning values such as those noted herein. Separate your savings from your investments. Before investing for …


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Tax Tips Quarterly

A valid tax deferral tool in Canada

Governments have cracked down on tax loopholes and foreign banks which have allowed clients to circumvent tax legally due. If you have maximized your RRSP, are in a higher tax bracket, and may have a capital gains tax liability in your estate, you needn't seek a tax haven offshore.


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Investor Insight

Is your money safe in a mutual fund?

One day your retirement income will flow from the capital you have been saving for years during thirty to forty of your working years.


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Life View

What is taxable in an estate?

After the death of an individual, every estate must file a final (or 'terminal') tax return. All assets are deemed to be disposed of at time of passing, and this can trigger probate fees and other expenses.


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Financial Viewpoint

Getting down to the essentials of your financial goals

An advisor will work to help you achieve an investment plan. You must anticipate change and reflect on your specific financial goals and objectives while considering your level of investment risk tolerance. Your plan should be flexible enough to anticipate …


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Investor Insight

Why is portfolio strategy important?

Understanding your risk tolerance: Each of us has a personal level of risk tolerance, which indicates how much risk one is willing to take while investing in markets that always go up and down. Your advisor can help you set …


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Financial Viewpoint

Life insurance business strategies

Financial products and services address specific needs in your financial plan and help you build a successful business. As an advisor, I can access a broad range of insurance, investment, employee disability, and group benefits to help meet your individual …


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Estate View

The Big Problem of Estate Capital Gains Tax

You and your heirs may think that all of your assets will pass over to them tax free. Let's examine how estate taxation can erode the value of one's property and cause business succession problems


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Mutual Funds and Segregated Funds provided by the Fund Companies are offered through Worldsource Financial Management Inc., sponsoring mutual fund dealer. Other Products and Services are offered through Stuart Rowles and Rowles Financial.

Worldsource Financial Management Inc - Disclaimer

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund specific simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation (CDIC) or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

Labour Sponsored Investment Funds (""LSIF"") have tax credits that are subject to certain conditions and are generally subject to recapture, if shares are redeemed within eight years. Please note that Mutual Fund Representatives in Alberta are not permitted to sell LSIF.

Your Worldsource Financial Management Inc. ("WFM"), mutual fund advisor maintains business interests that are separate and distinct from his/her WFM business activities. You will be provided complete information concerning these outside business interests, including who is responsible for each business activity. The disclosure will provide you with that information and will explain your rights and with respect to business that you place with WFM through your mutual fund advisor. WFM assumes responsibility and liability for “Worldsource Financial Management Inc. Business Interests” only. All business activity undertaken by your mutual fund advisor that are not the specifically designated as “WFM Business Interests” are not the responsibility of WFM. Therefore, WFM does not assume any liability for any such activity.

The information contained on this Internet Website is for general information purposes only and is the opinion of the owners and writers. Investors should educate themselves regarding securities, taxation or exchange control legislation, which may affect them personally. This web site is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an appropriate professional regarding your particular circumstances.

This Internet Website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

References in this Internet Website to third party goods or services should not be regarded as an endorsement of those goods or services. By accessing any of the links provided you will be leaving the Rowles Financial Website. Rowles Financial is not responsible for the information contained on these websites.

All information provided is believed to be accurate and reliable, however, we cannot guarantee its accuracy. Worldsource Financial Management Inc. will not be held liable for any inaccuracies in the information presented, nor will WFM be held liable for any software damages resulting from the use of this website. Mutual funds are offered only in Canada.

Risk of Borrowing to Invest

Here are some risks and factors that you should consider before borrowing to invest:

Is it Right for You?

You should not borrow to invest if:

You Can End Up Losing Money

Tax Considerations


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