Solutions for your future needs.

Book a meeting


604-684-8313

Wealth Viewpoint

Show all articles

June Newsletter

Personal Wealth and Finance




Life View

Bank of Canada reduces policy rate by 25 basis points

The following news is important regarding inflation, home sales, investments, and for people who carry debt: The Bank of Canada today reduced its target for the overnight rate to 4¾%, with the Bank Rate at 5% and the deposit rate …


Read more


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


Read more


Investor Insight

What are the main benefits of investing in mutual funds?

The average investor, who buys stocks and bonds, does not have the necessary time to assess securities nor the expertise to make qualified investment decisions. Mutual funds allow the investor to effectively hire a fund manager to make these decisions.


Read more

 

More Recent Articles




Financial Viewpoint

Setting up your life insurance beneficiaries

It is wise to take a few extra steps to plan how you set up your beneficiaries on a life insurance policy.


Read more


Investor Insight

RRSP and TFSA REVIEW 2024

What are some differences between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP)? The tax benefits of the Tax-Free Savings Account (TFSA) The TFSA is a registered savings account that makes it easy for Canadian taxpayers …


Read more


Investor Insight

Investing with an advisory team

If you are an investor who remembers the mortgage debt crisis of 2008-9, you know that the stock market lost significant value. From an investment standpoint, the real downside occurred when some investors sold off their equity holdings due to …


Read more


Life Insurance

Disability Planning QUICK REVIEW

When you own your own business, you do not have the security of group insurance that employees have. After several years, you may find that you are drawing a substantial income from a successful venture. Disability Planning: Let’s do a …


Read more


Life View

A Strategy for Extending Aging Elder Independence

Here is an interesting method for watching over feeble parents from a distance. In some cases this strategy may be able to help an elder parent maintain independence at home. I share below a good friend’s strategy. After reading this …


Read more


Investor Insight

Estate considerations when using the RRSP vehicle

RRSPs alone may not be best for the wealthy The following chart indicates that you can save a small fortune over time in an RRSP. Since your focus is on retirement, much of your wealth may accumulate using this registered vehicle. …


Read more


Investor Insight

Balancing Investor Risk and Reward

The risk/reward concept states that the higher the risk of a particular investment, the higher the possible return. Although there usually is some risk with any equity investment, it is essential to assess just how much risk your portfolio should carry. Risk involves the potential for gain or loss of monies invested.


Read more


Business

5 Options of a Buy-Sell Agreement

When a co-owner/partner dies, the surviving business owners usually have five options in dealing with the deceased owner’s business interest: 1. Buy out the heirs of the partner with Life Insurance proceeds. This is usually the most preferred option. After …


Read more


Business

Disability Buy-Sell Agreements

Two strategies protect shareholders against the liabilities of another significant shareholder becoming disabled.


Read more


Investor Insight

How market volatility can work for the investor

Volatility is when prices of stocks and equity funds increasingly shift in value up or down.


Read more


Estate View

7 ways life insurance protects your financial foundation

Life insurance has been called the foundation of your net worth. If you have a spouse or children, the initial stages of your financial strategy should include adequate life insurance coverage.


Read more

 

Newsletter tags

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


A A