Retirement is one of the most talked about topics in the world, yet so many either fail to plan, or have a very basic plan. We work all of our lives for this ‘time’, and we spend so much time thinking about it, but we often don’t sit down with a professional and write out a plan. A plan to get there, and then a plan once we are there. How much do I need for retirement? This is the question on everyone's mind, and rightfully so! Since most companies have ditched the old Pensio

Everyone has this concept that mortgages are bad. Well, for some they might be, but since you have landed here we suspect you might not be the one that is unable to manage your debt to income ratio, and you just want a little bit of clarity. So let’s clear some of the air. As in most cases, your scenario is unique so some points won’t be clarified until an advisor can look at your individual scenario (income, cash reserves, locked-up investments, etc). First off, let’s clear

Being able to send your child to college is near the top of the wish list for most parents. A college education often, but not always, can open doors to many opportunities and is increasingly necessary in today's economy. But that diploma sure isn’t free (most of the time). Unless you are very well off financially, it's difficult to sit on the sidelines for years and then suddenly find the money to pay for college when your child is ready to go. The best thing to do is to st

What are the basics? The basics of estate planning are a Will and a durable medical Power of Attorney. The essence of these two components are obviously critical to your loved one’s, but there are other things that are equally important in our eyes. You have ‘stuff’, and that stuff often has a value to you. It may be baseball cards, a record collection, antiques, etc. Often families don’t have a list of things that they want to go somewhere or be given to someone, or somethin