During the process of planning for your future financial well-being, one of the most common and challenging questions many Canadians face is whether to save money or pay down debt. This decision is complex as it involves understanding interest rates…
Deciding when to start collecting your Canada Pension Plan (CPP) benefits is a decision that can significantly influence your financial security during retirement. The CPP provides retirement income to Canadians who have contributed during their wor…
Investing is inherently associated with risk, and even seasoned investors can make poor investment choices. Whether due to market volatility, lack of research, or unforeseen circumstances, the impact of these decisions can be significant. However, m…
When planning for your child's post-secondary education in Canada, the Registered Education Savings Plan (RESP) is a powerful tool. The decision on how to fund this account—whether to max out your RESP early, front-load contributions, or sprea…
Traveling offers incredible experiences, whether for leisure, business, or adventure. On the latest episode of The Free Lunch Podcast, Portfolio Managers Colin Andrews and Greg Kraminsky discuss the importance of travel medical insurance and trip ca…
A few weeks back on the Free Lunch Podcast, we spoke about the Transtheoretical Model of Change (TTM) and how it relates to both health and wealth. Investing isn’t merely a technical endeavor of crunching numbers and analyzing markets; it&rsqu…
Financial Wealth and Physical Health - both are vital for long-term well-being and share numerous similarities in terms of the principles and practices needed to maintain them. Just like we hope that people don’t neglect their physical health…
Retirement planning isn't just about when you can retire and what kind of a lifestyle you will have after you've left the work force. It can also include choices like - Do I stay in my current profession or can I branch out to pursue …
As our lives are increasingly intertwined with the digital world, the threat of identity takeover has become a pressing concern. Identity takeover occurs when an individual or group gains unauthorized access to your personal information, posing as…
I'm sure that you heard about one of the players in the Final Four on the women's side - Caitlin Clark, who has been described as a generational talent. She certainly brought a lot of viewers to women's Final Four basketball this year. Caitlin Clark…
A review of things we have learned about investing, wealth management, financial planning and life over the past quarter century we have spent working in the investment industry. Don’t get caught up in shiny objects or the hot topic of…
Questions we are receiving these days are focused on recessions, stock versus bond returns, inflation, and global macro events. Stock and bond markets continue to show mixed returns. A broad measure of the stock market is the S&P 500, w…
AN INTERVIEW WITH MARK EIBEL, DIRECTOR OF CLIENT INVESTMENT STRATEGIES AT RUSSELL INVESTMENTS. Colin and Greg: Mark, what would you say has been the biggest change in this industry that you've noticed over the last 40 years? …
An interview with Tony Crescenzi, Executive Vice-President, Market Strategist and Portfolio Manager with PIMCO. Want to know if we are headed into a growth recession and what that is? FOR THE FULL INTERVIEW PLEASE LISTEN TO THE CM GROUP- FREE …
Do you have unused Registered Retirement Savings Plan (RRSP) contribution room? It is possible even if you have continuously contributed to your RRSP. Over the years, unused contribution room accumulates and can represent a significant amount. This…
When writing this letter in previous years, we came up with a word to best describe the events of each year. In 2020 that word was “grit”. Having the “grit” to get through a very rough year by focusing on the passion, resilie…
Questions we are receiving these days are focused on recessions, stock versus bond returns, inflation, and global macro events. Stock and bond markets continue to show negative returns. Central banks have been focused on monetary policy and have r…
