Category: Financial Planning

Commentary October 2023 – Ready for a Turn

Reblogged from Brintab This summer into fall, markets have been fixated on the economic “soft landing” narrative and the notion of rates being higher for longer. It is true that circumstances have made it tougher than in past cycles to

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Commentary April 2023 – Will the Fed Pivot

Reblogged from Brintab Corp. The first quarter of 2023 had markets driven most dramatically by the US interest rates, their repercussions, and whether the US Federal Reserve would pivot from an interest rate increasing phase to an interest rate decreasing

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Commentary October 2022 – Interest Rate Increases Start Cooling the Economy

reblogged from Brintab.com During the summer we saw the first shoots starting to appear of interest rate increases reducing the extreme intensity of inflation and thus beginning to cool off the economy. More fading of high single digit inflation is

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Commentary July 2022 – Central Bankers Start Taking Inflation Seriously

reblogged from Brintab Corp. This quarter, as inflation continued to thrust forward, the US Federal Reserve aggressively raised interest rates to try to get their inflation-busting measures back on track after being caught off-guard earlier in the year.  The only

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Commentary April 2022 – Inflation Goes Into Overdrive

Reblogged from Brintab As the developed world navigated past the Omicron virus wave, various factors lengthened and/or accelerated the inflation we once hoped would be transitory.  On the economic demand-growth side, various economies saw increased consumer activity, especially in leisure

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Commentary January 2022 – Digesting Omicron and Persistent Inflation Impact

Reblogged from Brintab Commentary January 2022 – Digesting Omicron and Persistent Inflation Impact There were many winds washing through the markets in the months leading up to the New Year.  Hence it was a tumultuous time.  To name a few: The

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Commentary October 2021 – Beyond Delta

reblogged from Brintab This summer’s markets were initially driven primarily by concern regarding the potential impact of the Covid Delta variant worldwide. As summer turned to fall the Delta variant’s fade gradually became clear and the dominant factor shifted to

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Commentary July 2021 – Assessing Economic Progress

Reblogged from Brintab.com With the gradual reopening of businesses post-Covid, we are seeing glimmers of hope regarding the economic recovery.  Still, the pandemic created chaos that continues to settle out bit by bit.  There were changed buying habits, pent up

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Commentary April 2021 – A World Refocusing

Reblogged from Brintab.com As the winter progressed, markets were driven more than anything by increasing signs of successful vaccine rollout and hence risk reduction in the global economy.  Early in the quarter markets bounced around a bit but the month

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Commentary January 2021 – Coping with the Froth

Reblogged from www.brintab.com This fall we saw mostly continuation of trends from the summer best described as splitting of the investment world.  The prospects of a Covid19 vaccine and US government spending triggered major shifts in currency and certain stocks

Posted in Asset Allocation, Financial Planning, Investment, Risk Management, Uncategorized

We’ve just witnessed the stock market’s echo, echo, echo!

Reblogged from brintab.com The echo has arrived. Over the course of the spring and summer I have often talked about how most major stock market pullbacks are followed by a rise up and then a second pullback. That second pullback

Posted in Asset Allocation, Financial Planning, Investment, Risk Management, Uncategorized

Market pullbacks

Reblogged from: First Sovereign Investment Management In the past couple month, the increased volatility of investment markets has led two clients to write to get my sense of the market situation and how/if we should react to that. With the

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Real Estate Capital Gains Tax: Budget 2017

What’s your game plan for winding down your Capital Gains tax liability? Yesterday Canada’s Finance Minister presented the government’s latest budget. there had been many fears about the potential increase of capital gains taxation. To do so would not only

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TFSA limit boosted – does it change your estate planning game plan?

In the just-released federal budget, the TFSA limit was increased from $5,500 to $10,000/person/year. The new $10,000 amount is not indexed so don’t expect it to rise annually. Does this impact your financial plans? Consider this: Historically spouses often held

Posted in Estate Planning, Financial Planning, Tax

4 Ways High Earners Should Adjust for New Spousal Tax Laws

In recent months the Canadian government has mused about the potential for changes in the tax code so that Canadian couples can start filing their income tax returns jointly once the budget is balanced. Most people outside the financial planning

Posted in All Archives, Financial Planning, Tax

Cars and Corporations

Many small business owners ask the perennial question of whether they should own their car within the corporation or personally. There are several factors that go into answering that question, such as: -how many kms will you drive in the

Posted in Financial Planning, Risk Management, Tax

Is 4% an Unsustainable Withdrawal Rate

Historically, 4% was thought to be the withdrawal rate the average portfolio could withstand on a long term basis without eating into capital. Recent research indicates that in today’s lower investment return environment, maybe that’s no longer sustainable. We all

Posted in Financial Planning, Investment, Tax