Gaining Altitude Financial

During February, I'm often asked how to reduce taxes. Borrowing to invest in an RRSP can be a smart way to lower taxes and multiply your retirement. Here's a quick video on how to borrow exactly the right amount to get a refund you can use to pay the loan:

How to Grow Your RRSP Without Saving More It's not difficult to "top up" your RRSP with exactly the same amount as your expected refund. Here's how you can use existing savings, or even borrowed fund...

Preparing for a Financial Flight Plan webinar tomorrow. I can't wait to share more of this concept that pilots people to their destination ahead of schedule despite life's turbulence!

Your death will be devastating to the people who love you. If your death is a financial tragedy for others, you need life insurance.

Having insurance through your employer group benefits is good but it won't be enough coverage for most young families. Personally held policies are usually lower cost than you think.

Contact me to discuss your life insurance needs and to look at some quotes.

I can't predict what the stock market will do today, this week or even this month. However, over the next 20 years I can guarantee three things:
- an emergency need for cash will disrupt your financial plan
- investments held in a well diversified portfolio will increase more than trying to pick "winners", and
- someone in your family (and it might be you) will have a medical event that will significantly impact your income.

The biggest financial regret most people have isn't the investment decision that didn't turn out as planned, it's not doing more with their money sooner. While you can't fix the past, you can reduce future regret by taking action with a plan today.

Getting started doesn't have to be difficult even if you don't know anything about finances. There are many terrific financial advisors here to help. Advocis, The Financial Advisors Association of Canada is a great resource to connect you to a professional who will put your needs first.

Too often we focus on the 10% of financial decisions we made that were poor ones and ignore the 90% of positive ones. Take your magnifying glass off the 10% because they are holding you back.