One of the greatest downfalls to an investment portfolio is the human who owns it. We all know that the best way to ensure your assets grow is to "Buy low; Sell high". So why are we still struggling to see decent returns over the long run?

Feelings......

My 6yr old daughter built an Over-the-Air (OTA) High Definition Antenna so that our family could save $60/month by cutting Cable TV.  

In Canada, we pay some of the highest fees in the world for mutual funds. Management Expense Ratio (MER) fees are taken off your portfolio and can be 2% to 3% per year. To put this in perspective, for a portfolio of $100,000 with an MER of 2.5%, that's $2,500 per year in fees!

Whether you're single or spoken for, chances are you're fairly comfortable with your routine each year, your yearly love affair....with RRSPs. STOP! Think it oh-oh-ver....

One way to help curb excessive spending is to create a bucket system that makes it harder to overspend and also sets aside funds to ensure to have enough when you need it.

Building an investment portfolio is a lot like building with Lego. Just like your latest Lego creation, a lot depends on the types of bricks you start with.

A retirement projection can be the basis for your own "Choose Your Own Adventure" book.  Should I take some nice vacations with my kids now? Should I buy that sports car? Will I have enough when I am 65 to travel? The only way to really answer these questions is to take a look at your finances NOW and how they project out to the FUTURE. 

What do you love? Few of us have it as easily figured out as Mr. Ron Burgundy. To help me draw out client goals, I go through an exercise to help my clients understand and acknowledge what is most important to them.  The challenge is splitting up assets to support what we value most.

Creating a budget is the first step to understanding your cash flow situation. It's also possibly one of the most daunting tasks that everyone knows they should do. Here are some tips, guidelines and a template worksheet to help create a budget.

TFSAs are greatly overshadowed by the RRSP as a retirement account. The RRSP program has long been the default retirement program for most Canadians but is it the best retirement solution? Although it has been around since 2009, the TFSA program, with a 2017 limit of $52,000, is sizeable enough to be given serious thought as a retirement or long-term savings plan.

"Robo-advisors" are a new and fast-growing player in the investment industry and have the potential to be a game changer in Canada.

Passive Investing is in many ways a slow and steady investment strategy. With a balanced portfolio of low cost ETFs and a re-balancing strategy, it takes the emotions out of investing. With this solution you would not beat the market, but you would get close to market returns.

This ETF Model Portfolio is intended to be low cost, balanced, and globally diversified. Index ETFs passively track their respective markets at much lower cost than active mutual funds. 

What is VAVE? VA/VE stands for Value Analysis/Value Engineering, a process used heavily in automotive manufacturing to reduce costs and increase efficiency. This technique can also be implemented in Financial Planning.