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June 26, 2025
Understanding Projection Assumption Guidelines in Financial Planning

Background/ Basics The Projection Assumption Guidelines are published annually jointly by the Institute of Financial Planning (the Institute, and FP Canada Standards Council™. By using standardized assumptions based in method can help in protecting both the planner and the client. Financial Planners can reply on these assumptions and their sources…

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October 29, 2019

Nov 2019 Newsletter: Decision-Making in Financial Planning

Behavioural finance research makes it clear that we are all victims of our own biases. Dan Kahneman, who is likely the world’s leading researcher on bias, has this depressing conclusion…
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August 28, 2019

Kids Heading Off to School? What Changes?

It’s September, and some of your clients might be sending the kids away to post-secondary school for the first time. This can be an exciting time. I know that Canadians…
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June 28, 2019

Jul 2019 Newsletter: Low Income Canadians Need Financial Planning Too

Since the introduction of the TFSA, I have often heard that low-income Canadians cannot benefit from the RRSP and should be using the TFSA instead. The argument here generally hinges…
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May 30, 2019

June 2019 Newsletter: RRSP Beneficiary Designations

A question that comes up regularly in class, and features much confusion, concerns RRSP beneficiary designations. I expect that most people are aware that an RRSP annuitant can name a…
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May 1, 2019

May 2019 Newsletter Article: Employment Insurance for Self-Employed

Living in Alberta, I saw much discussion of child care leading up to this most recent election. Last year, when the 2018 Budget introduced adverse consequences of building up too…
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April 9, 2019

April 2019 Newsletter: The Probate Boogeyman

I have spent a bunch of time over the past couple of months reviewing students’ Capstone course work, as they pursue the CFP® Certification. While it is not new to…
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March 7, 2019

Mar 2019 Newsletter Article: The Broken Medical Expense Tax Credit

Your clients are likely rounding the corner to tax season, and gathering up receipts to support their desire to minimize their tax bills. Some of those receipts will likely include…
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January 30, 2019

February 2019 Newsletter: RRSP Season is Upon Us

For many of our clients, February is RRSP (Registered Retirement Savings Plan) season. We don’t run a lot of classes in the last two weeks of February, and we normally…
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January 10, 2019

January 2019 Newsletter: What do you learn in CLU?

I spent much of December at various Christmas events. I must be a boring conversationalist, because I find the topic often turns to designation programs for financial advisors. Given that…
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