GICs, Bonds and High-Interest Savings Accounts – How do they compare right now?

GICs, Bonds and High-Interest Savings Accounts. What is the best option for the conservative portion of your portfolio?
TWM Group’s Market Minute – November, 2022

In this video, we explain what’s happening in the stock and bond markets and what we should expect for the following 3 to 5 years.
Have you prepared your digital legacy?
Among the many aspects that compound wealth planning, the transfer of wealth is a particularly special one. It is where we express the material legacy we want to leave our loved ones after our passing away. According to a survey by Angus Reid Institute, only 58%1 of Quebeckers have a will in place. If you […]
Retirement Plans vs Retirement Planning
In thinking about retirement, there is often a focus on specific goals or perhaps idealistic dreams of the future. This open-ended thinking is critical, as achieving the retirement one envisions begins with knowing what that vision entails. That said, there is a major difference between one’s plans for retirements and having an actual retirement plan. […]
Why Business Succession Planning is More Important Than Ever
Business succession plans have always been important, but they’re arguably more critical now than ever before. The Canadian Federation of Independent Business recently released a report indicating that 72% of small business owners plan on exiting their business in the next 10 years. A substantial number of respondents (47%) actually plan on leaving within the […]
When Should an Investor Update Their Will?
A legal Will is critical to ensuring that the distribution of one’s wealth is carried out according to their wishes after death. It’s not a legal requirement to have one but without a legal Will, an individual’s estate is divided as per provincial law1. This can result in distribution that is not aligned with the […]
Rising Healthcare Costs and Your Retirement
When an individual plans for retirement, they often think of how much money is needed to fund their lifestyle. This is important, as one’s housing, travel and spending habits are personal and will affect their retirement income needs. However, many Canadians fail to anticipate the full cost of healthcare in their older years. It’s not […]
Majority of Small Business Owners Nearing Retirement
As small business owners retire, the effects will be felt in communities across Canada, impacting their families, society, and the economy. According to the latest analysis by Barlow Research, the average small business owner is just over 60 years of age, and almost 40 per cent are 65 years or older – a percentage that […]
The Role of a Liquidator
Most Canadians have heard the term executor; it is synonymous with the Quebec term liquidator. But many remain unclear as to the exact responsibilities and limitations of a liquidator. Simply put, the liquidator handles a deceased person’s estate. The liquidator has to manage bank accounts and assets, distribute these to the deceased’s heirs, and file […]
Early Inheritance
Often overlooked is the possibility of sharing that wealth early, when children might need it more. There are 3 key issues to consider.