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Posted in Retirement Planning

An Estate Plan is the Ultimate Gift

Posted by Frank Gasper on 21 April 2020
An Estate Plan is the Ultimate Gift
What is an estate plan? An estate plan is simply a checklist that ensures your personal belongings and finances are easy to manage and distribute, exactly how you want them to be, when you die. It also makes sure your estate doesn't pay more tax or legal fees than it needs to and perhaps most importantly, it makes things so much easier for your loved ones. While the word "estate" is often associated with large properties and the wealthy, in this case, it only refers to you...
Posted in: TFSA RESP RRSP In-Trust Account (ITF) Life Insurance Life Planning Retirement Planning Financial Advice Estate Planning  

The Best Kept Personal Finance Secret: RDSPs

Posted by Frank Gasper on 24 March 2020
The Best Kept Personal Finance Secret: RDSPs
If I told you that the government would match your contribution to a long-term savings plan by 300%, would you be interested in learning more? How about 200%? Are you still listening at a 100% match? About RDSPs For individuals with any sort of disability that affects their daily life (physical or intellectual), a Registered Disability Savings Plan (RDSP) is available to them. An RDSP allows the individual (or parent/guardian) to save for the long-term in a tax-deferred account, but also...
Posted in: Budget Tax-deferred Income Life Planning Retirement Planning Registered Disability Savings Plan (RDSP) Financial Advice Estate Planning  

Retirement Planning: Learn From Other People's Mistakes

Posted by Frank Gasper on 18 February 2020
Retirement Planning: Learn From Other People's Mistakes
Retirement Planning: Learn From Other People's Mistakes I get asked a lot of questions about money; from clients, friends, family, neighbours and strangers and I can honestly say, I have never come across any personal finance situation that was the same for any one person. My answers for them are always different because every single person has a twist to their financial story. But I have noticed some very common mistakes people make when it comes to planning for their retirement. I...
Posted in: Budget TFSA RRSP Life Insurance Life Planning Retirement Planning Financial Advice Estate Planning Pre-authorized payments  

Jump In, Make a Budget & Start Saving

Posted by Frank Gasper on 22 January 2020
Jump In, Make a Budget & Start Saving
Jump In, Make a Budget & Start Saving Here are six easy things anyone can do to get a handle on their money in 2020 and help them start saving to reach their personal financial goals. 1. Figure out how much comes in and how much goes out This isn't as hard as it sounds. Given that most of our purchases are made with a debit card or credit card and bills are paid by automatic direct deposit, you can use the monthly statements as a tracking sheet. Set aside 2 hours and just get ...
Posted in: Budget TFSA RRSP Life Planning Retirement Planning Financial Advice Pre-authorized payments  

How to Save for Retirement

Posted by Frank Gasper on 12 November 2019
How to Save for Retirement
How To Save For Retirement Saving for retirement isn't easy, especially when we have so many other financial commitments, not to mention trying to save for a home, vehicle, education, vacation or otherwise. When I speak with clients about their financial goals, including retirement, I always get the same question: "How much will I need for retirement?" It's a difficult one to answer since everyone has different goals. We have to consider how long they plan to work, wha...
Posted in: TFSA RESP RRSP Retirement Planning Pre-authorized payments  

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