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Wealth Viewpoint

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June Newsletter

Personal Wealth and Finance




Life Insurance

Money management to mitigate tariff chaos

Recent trade policy developments have introduced a degree of market volatility and economic uncertainty. While it’s natural to notice these shifts, it’s important to view them within the broader context of long-term financial planning. For your investment portfolio, these evolving …


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Financial Viewpoint

A financial plan is essential for a secure future

When creating a plan for any significant life decision, such as choosing a career, getting married, or buying a car, we must spend hours reviewing lists to determine priorities and timing. We must have clarity as we develop our essential …


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Life View

Life Insurance and the Principle of Decreasing Responsibility

The "principle of decreasing responsibility" is a financial planning concept that states that an individual who has dependents such as a spouse and/or children has financial responsibilities that life insurance can help meet in the event of death.


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More Recent Articles




Wealth Viewpoint Quarterly

Transferring RRSPs to RRIFs at age 71

Understanding transferring RRSPs to RRIFs RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any …


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Estate View

Early Death Benefit Provisions of Canadian Life Insurers

Most Canadian Life Insurance companies provide policyholders diagnosed with a terminal illness with some form of early access to a portion of the death benefit. However, the specific terminology, eligibility requirements, and benefit amounts vary considerably. Living benefit, Early Death …


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Investor Insight

Avoid the Old Age Security (OAS) Clawback

The Old Age Security (OAS) clawback, officially known as the OAS recovery tax, reduces the amount of OAS pension you receive if your income exceeds a certain threshold. To avoid or minimize the OAS (Old Age Security) clawback in 2025, …


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Financial Planning

To retire well, maximize your income strategies

We invest in what people buy. When an equity investment fund or stock is purchased, you indirectly invest in businesses relating to what consumers buy.


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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.


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Investor Insight

Investing with a team of asset managers

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 …


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Investor Insight

RESP: Saving for children’s and grandchildren’s education

Canadian legislation enables Registered Education Savings Plans (RESPs) to support education savings for children and grandchildren through specific provisions outlined in the Canada Education Savings Act and related regulations. Facts about an RESP A Registered Education Savings Plan (RESP) is a …


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Registered Investments

Understanding transferring RRSPs to RRIFs.

RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any or a combination of: transferring …


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Life View

When Permanent Insurance makes sense

As the children get older and move out on their own, and your mortgage and other debts are nearly paid off, the need for life insurance capital designed to replace income for dependents decreases.


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Investor Insight

RRSP and TFSA REVIEW 2025

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 …


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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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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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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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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.

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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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