According to a study sponsored by the Canadian Institute of Actuaries, only one in three Canadians expecting to retire in 2030 is saving at levels adequate to meet basic household expenses in retirement. Many may find they have to increase their annual savings or continue working past age 65 to avoid financial hardship. The study, titled "Planning For Retirement: Are Canadians Saving Enough?" ...

We are becoming somewhat concerned that some investors are starting to believe that the "perfect world" scenario of steady growth, low inflation and falling interest rates is here to stay. However, investors appear to be unaware of the risks associated with the current high levels of many of the world indices. As confusion surrounds the movement of interest rates and inflation, these markets are ...

If the answer is yes, you might want to consider an Estate Maximization program. Most financial plans have an element of permanent savings and a capital base that is never intended to be spent; these investments are intended for your heirs. Unfortunately, this strategy is based on the investment's rate of return, and the higher the return, the more tax you end up paying. To avoid paying tax...