Our financial planners have been quoted in the following media:


Karl Warden is losing his job — and his pension. At least he’s getting a big payout. But howshould he use his money to rebuild his retirement plan?

National Post, by David Dias
September 2006

Only ear ago, Karl Warden’s path to retirement seemed clear. As the supervisor of a pulp mill in Ottawa, he was earning $80,000 a year and, although only 48, was just seven years from his permanent vacation, funding a well-earned retirement with his company’s defined-benefit pension plan. All that changed last November. “We showed up at work one day and the mill was closed,” says Karl (not his real name). “We gathered for a meeting and w e re told that the mill would be shutting down over the next year. We’d all lose our jobs.”

To make matters worse, the company also announced it would be terminating its pension plan. In its place, each employee would receive a one-time buyout worth the “commuted value” of his or her contributions. In Karl’s case, that amounted to $350,000. In addition, he would receive severance of $95,000, plus a “bridging benefit” of $100,000.

All told, his fare-thee-well package would be worth $545,000 when the plant closed for good.
Today, just weeks away from a pink slip, Karl faces the most important investment decision of his life: how to invest his payout to secure his retirement.

Full text: Karl's Choice


CALGARY (CP) — Communication is always the key to good financial planning, but when it comes to the intricacies of a second marriage, it becomes vital

Canadian Press, by James Stevenson
July 2006

"For every one issue in the formal traditional family, there are 10-15 issues in the blended family," says Doug Lamb, a cerified financial planner in Toronto.

And without sitting down and working through the issues, things like who owns the family home and who gets what in the will cann become a minefield of problems.

Full text: Second marriages add complexity to financial planning

Pools say they account for more than half of all RESPs — despite complaints over marketing, fees

Investment Executive, by Wendy Cuthbert
June 2006

With a history of 40-plus years for pooled scholarship RESPs, it's no surprise that financial advisors hear a lot about them. In fact, statistics provided by the Canadian Scholarship Trust Foundation to the RESP Dealers Association of Canada show group plans account for slightly more than half of all RESPs in Canada.

Full text: Group education plans come under fire


When love is in the air — June is the wedding season after all — financial planning and sense sometimes goes out of the window

The Province
June 2006

While the financial-planning set might stand accused of beating their own drum by advising the absolute necessity for economic and financial planning, they do present a strong case for taking some professional advice when it comes to saying "I do," especially for the second time around.

They point out that amid all the love and honeymoon anticipation, too many forget to include a visit to a financial planner, or at the very least taking some independent financial advice in their plans.

There is indeed a host of important decisions to make when getting married — and this is especially so for second marriages.

"By taking a 'what's mine is mine and what's yours is yours' strategy, you may be overlooking some important planning opportunities or potential pitfalls," says Marc Lamontagne, a financial planner at Ryan Lamontagne Inc.
"For instance, did you know that divorce does not invalidate a will, but marriage does?" he asks.

Full text: Before you waltz down the aisle: take stock of your finances and goals


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