Is your client expecting a new family member? What an exciting time, but equally as scary when they begin to consider all the uncertainties that come with parenting.

First day of school, learning to drive, parties and dating… over the years, there will be plenty of things for your client to worry about as their child grows up and ventures into an independent life – however, finances should never be one of those worries. Here are a few key aspects for your client to consider when laying out a solid financial foundation for the newest members of their growing family. Continue reading “What Your Client Should Financially Expect When They’re Expecting” →

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What to Financially Expect When You’re Expecting

It may seem like an easy decision for your clients to invest in guaranteed return investments when rates are high, but it’s important not to lose sight of inflation. The objective, after all, is to increase purchasing power through earning at a rate higher than inflation. If inflation is, say, 5% but interest rates are also 5% then the real interest rate is 0% and there is no increase in purchasing power. Increasing purchasing power can often involve taking on some level of risk.

Your clients may benefit from exploring the value of taking risks with different types of investments that offer varying risk profiles or tax treatment. Continue reading “The Value of Taking Risks” →

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The Value of Taking Risks

If your clients want to take advantage of attractive GIC rates but don’t want to lock in all their funds for a long duration, talk to them about GIC laddering. Rather than making their entire investment in a 1-year fixed term, encourage them to split it into different fixed terms of 1 year through 5 years. With this strategy, they’ll have investments maturing every year, and will stand to earn far greater returns. Share this calculator to help them see the potential advantages of GIC laddering. Continue reading “GIC Laddering” →

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GIC Laddering

Between 2020 and 2030, there will be a huge intergenerational wealth transfer in Canada – over $1 trillion (1). As an Advisor, are you positioned to take advantage of this transfer of wealth?

If you have mature clients, you understand the unique issues and lifestyle decisions that they face and how these decisions can have a significant impact on the value and transmission of their wealth. As their Advisor, you are in a position to offer unique perspectives and solutions that can make a difference. Continue reading “The $1 Trillion Intergenerational Wealth Transfer” →

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How to Prepare for a Wealth Transfer

When inflation is in the news there is increased focus on guaranteed interest type products, namely, annuities. But what exactly is an annuity and how does it work?

An annuity offers your client, the investor, an opportunity to relinquish a lump sum of money in exchange for a guaranteed periodic level cash flow. The periodic amount your client receives is based on their age, gender and prevailing market rates. There are two main types of annuities: a “term certain annuity”, where a period of time is specified for the cash flow and a “lifetime annuity” where the cash flow is guaranteed for life. In either case, the market risk is taken out of the equation as the cash flow is guaranteed for the pre-determined amount of time. Here are a few more factors to consider with your client: Continue reading “Guaranteed Interest Rates with Annuities” →

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Securing Guaranteed Interest Rates with Annuities

Putting some money away for the future is always a sound idea. However, with so many investment opportunities, some of which may require tax payment on income earned, which one is the right fit for your client and their savings goals today?

Tax Free Savings Accounts (TFSAs) and Registered Retirement Savings Plans (RRSPs) are both available savings tools and can house many of your client’s investments while helping to defer or reduce their tax obligations. But there are a few things to consider… Continue reading “INFOclip: RRSP vs TFSA” →

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INFOclip: RRSP vs TFSA

Who has time for all of those tedious formulas and boring equations! We’re resharing your clients’ top three calculators to help shed some light on their savings and debts. They are easy to use, so be sure to share them with your prospects and clients. Continue reading “The Greatest Hits: Your Client’s Top 3 Calculators” →

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The Greatest Hits: Your Top 3 Calculators

A good cautionary tale makes a person stop and take a look at their own circumstances.  Bernard’s story may encourage your clients to take stock of their assets and consider whether they’ve properly planned for the distribution of those assets.

Share Bernard’s story with your clients to help them see that there are nuances involved in naming beneficiaries and heirs, and that seeking good advice, communication, and documentation when planning can help to ensure their wishes are carried out as hoped.   Continue reading “Learning From Experience: Bernard’s Story” →

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Learning From Experience: Bernard’s Story

Lately, we’ve all been experiencing a few less dollars in our bank accounts. Between the cost of fuel, groceries and the overall cost of living, there’s no denying that everything is just so much more expensive. Your clients may want to know why and although “inflation” is the one-word answer, we’re diving a little deeper into why inflation occurs and how it can affect interest rates and your client’s investments. Continue reading “Inflation, Interest Rates and Your Client’s Investments” →

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Inflation, Interest Rates and Your Investments

Investing – a great way for your client to put away some of their hard-earned dollars towards their retirement and future security. At PPI, we have more than a few great investment articles that you can share with your clients. We did a little digging and found the top three investment-related blogs from 2021. Check them out below and then consider sharing the client-friendly versions with your clients and prospects.

The Power of Compound Interest for your Client – What is compound interest and how can it help your client maximize their savings? Find out how your client can do this via monthly, pre-authorized deposits – because a few dollars can go a long way!

Be sure to share this client-friendly article.

Seg Funds – Protecting your Client from a Volatile Market – Volatile markets are nothing new. In fact, the markets are constantly fluctuating. But if your client is an investor or nearing their retirement years, this type of instability can be quite stressful. Find out how segregated funds just might be the solution to such an uncertain market.

Be sure to share this client-friendly article.

TFSA vs RRSP vs Both. What’s best for your client? – TFSAs and RRSPs – both are excellent investment options, but which one is right for your client? Learn a little more about the ins and outs of both and which one is the best investment solution for your client.

Be sure to share this client-friendly article. Continue reading “The Greatest Hits: Your Clients’ Top 3 Investment Blogs” →

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The Greatest Hits: Your Top Investment Blogs