Empowering Future Generations Through Financial Literacy

November 4, 2024

In Canada, November is recognized as Financial Literacy Month, making it an ideal time to dive deeper into what you know and where you can improve.

2024 U.S. Election and the Potential Impact on Our Portfolios

September 5, 2024

There is no doubt, however, that the current campaign is anxiety inducing for investors. Canada may be gearing up for its own divisive political battle, but its noisy neighbour is a behemoth that dominates news cycles

No Champagne but a New Interest Rate Era has Begun

August 8, 2024

In the end, it was an anti-climax. After months of speculation and conjecture, the Bank of Canada has reduced its benchmark interest rate for the second successive time. But the markets, which had already priced the cuts in, gave an indifferent shrug.

Navigating Your Prized Cottage Investment

June 27, 2024

Cottages were all the rage in recent years past—and that’s precisely why they’re still an investing hot topic in 2024.

Sharing is Caring – and More Tax Efficient

May 6, 2024

For those of you still shaking off the hassle of this year’s returns, the planning for next year should start now. And one way to stay a step ahead and to improve next year’s returns is income splitting.

Digesting the Proposed Capital Gains Tax Hike

April 26, 2024

History, ultimately, will be the judge of the recently proposed capital gains tax hike. The Government argues the extra billions of dollars generated will be invested in programs that give people a fairer chance “to build a good, middle-class life”, but critics say this will deter the risk-taking capital that stimulates economic growth and penalize hard-working business owners and individuals.

Income Tax Deadline Checklist

March 11, 2024

No sooner have you navigated the RRSP contribution deadline, then another key date looms into view – your annual income tax return. If only the world were so keen to remind you to watch movies or take a vacation!

The Value of Advice: Finding the Active-Passive Balance

February 6, 2024

For the most important aspects of your life, there is typically a half a dozen things that matter. Keeping healthy means daily exercise, eating well, a good night sleep, finding me time, positive personal relationships, and moderated drinking. Investing and accumulating wealth is no different, there are only a few things that really matter...

Easing Into Retirement – Time to Adjust Your Investment Playbook

January 22, 2024

Most people probably don’t think about retirement when they are working and busy with life. And then one day there is a trigger. Some life event, like a spouse who is nearing full pension eligibility, the last child leaves the family home, or a 30th work anniversary starts the process of considering retirement.

Can We Finally Expect Interest Rate Cuts?

January 16, 2024

No one can really predict the future. But rewind to the end of 2022 and analysts were forecasting recessions, hard landings, and interest rate cuts. They never happened.

The Current State of Alts

January 8, 2024

What a year 2023 is closing out to be. Markets have been up, down and all around. For investors with a traditional 60/40 portfolio, the current value is probably less than the start of the year.

Accumulation for Show, Decumulation for Dough

December 4, 2023

Even those who despise golf will likely have heard the saying, “drive for show, putt for dough.” The premise: that smacking the ball 300 yards looks great but the ability to get it in the hole is what determines success.

Invest or Tackle Debt with New Money?

November 6, 2023

You have just come into some new money from the sale of a business, an inheritance or just a big commission check. Regardless of the scenario, new money is the seed of your future, and you find yourself pondering what financial field to plant it in.

Preparing the Next Generation for Wealth

October 27, 2023

It sounds counterintuitive but words rather than numbers are likely to dictate the success of your family’s transfer of wealth. Most people turn to a financial advisor simply for a tax-efficient estate plan to ensure their heirs inherit as much as possible. But what good is that if the next generation are ill-equipped to deal with it, either because the money comes as a surprise or because they’re too entitled to handle such a windfall?

Why the Hype Around Private Investments?

August 11, 2023

You may be hearing more about Private Investments these days and wondering if they are suitable. The first question you may have is why the focus on them now?

Tax Tactics for the Wealthy

July 24, 2023

Navigating the breaks and rules to your advantage is a legitimate tactic to not only keep more money in your wallet but also fuel your family’s legacy, whether that’s through charitable donations, community work, or simply ensuring the kids’ and grandkids’ futures.

Keep Calm…and Stay Invested

July 10, 2023

Even if you are a long-term investor with a well-diversified portfolio, market volatility has introduced many to negative statements for the first time. The instinct to look for safety and pull your money out of the market may be understandable but is potentially fatal to your retirement portfolio.

Time is Your Quiet Investing Partner

June 5, 2023

Time is your greatest investing partner, but its value can be overlooked. Passive and quiet, this partner won’t bang on your door and say it’s time to get started, that part is up to you.

Recession Risk: When the Central Bank Stops Being Boring

May 26, 2023

Are we set for more market volatility? Despite the central bank’s efforts, the economy remains strong in places, particular the labour market and real estate, despite the latter cooling slightly.

April 2023 Market Report

May 24, 2023

First Republic Bank became the fourth regional lender to go under in less than two months, resulting in JPMorgan Chase & Co. purchasing the bank in a government-led deal.

Not All Income is Equal - Three Categories to Consider in 2023

May 17, 2023

Now is a great time to look at your income investments. Recent interest rate hikes in North America have significantly reduced the prices, making 2023 an interesting entry point.

The Taxing Issue of Succession Planning

May 4, 2023

70% of families report failure when it comes to intergenerational wealth transfers. It’s a core part of many people’s financial plan and 67% cite it as their biggest concern – which is for good reason.

March 2023 Market Report

April 11, 2023

The second largest bank closure in U.S. history sent fear and shock waves through the financial sector. A duration mismatch of assets and liabilities at Silicon Valley Bank led to a classic run on the bank.

Rising Rates and the Dilemma of Duration

March 28, 2023

For investors, the prevailing interest rate is like gravity. A constant and fundamental force on all things in capital markets. Understanding the basics of PV and the yield curve will help us be more educated investors.

Encore Career in Retirement?

March 14, 2023

Retirement planning for individuals today may look very different to the conventional retirement methods used by our previous generations.

February 2023 Market Report

March 10, 2023

America released intelligence reports while warning China not to provide lethal aid against Ukraine. The risk of continued tensions are sanctions which could inhibit global trade.

Tax Season: Bucking the Trend

February 22, 2023

Even Albert Einstein, a man with a brain capable of solving the most complex physics equations, stumbled when it came to taxes. “The hardest thing in the world to understand,” he said, “is the income tax.” These days, tax advice is everywhere. TV ‘experts’, newspaper columnists and social media influencers will dispense tips on how to keep more of your money, but these brush strokes, at best, aren’t suitable for everyone and, at worst, perpetrate damaging misconceptions about certain benefits and how to use them.

January 2023 Market Report

February 16, 2023

The split U.S. Congress is set for a fight over the raising of the debt limit. By law, federal government debt cannot exceed $31.4 trillion. The cap has already been reached, although the U.S.

From Fantasy to Fundamentals: The Appeal of Infrastructure in 2023

February 6, 2023

Do you remember the Fire Phone, or the Coolest Cooler? What about the Microsoft Kin or Juicero? No, well you’re probably not alone.

December 2022 Market Report

January 10, 2023

While many countries returned to normal since the start of the pandemic, 2022 has been a year of great disruption.

November 2022 Market Report

December 13, 2022

The Federal Reserve raised their policy rate by 75-bps to 4 percent, as expected, at the start of November.

October 2022 Market Report

November 9, 2022

The long-awaited National People’s Congress of China ended with President Xi securing an unprecedented third term.

Is The 60-40 Strategy Dead and Buried?

November 3, 2022

The 60-40 portfolio strategy is a touchstone for the industry, and shorthand for the tried and trusted method of protecting capital from wild market swings. There are endless variations on this theme, largely dependant on client risk tolerance and time horizon, but the navigational starting point of a “balanced” 60% stocks and 40% bonds mix has endured.

Navigating Emotional Real Estate Decisions

October 19, 2022

Our House, the gentle Crosby, Stills, Nash, and Young classic - written, incidentally, by Graham Nash - strikes an emotional beat familiar to many homeowners or wannabe homeowners. The song describes an everyday scene yet it’s beloved by millions because, as the cliché goes, home is where the heart is. It’s also why decisions around selling or buying real estate, usually the biggest asset a person will own, go far beyond a financial transaction.

Six Investment Myths Busted

October 11, 2022

Gordon Gekko hasn’t done the investment industry’s reputation any favours. Michael Douglas’ unscrupulous movie character quickly became shorthand for all that is wrong with Wall Street and financial markets with his infamous ‘greed is good’ speech. But you don’t have to look too far away from the big screen to see real-life examples of people whose actions have perpetuated the link between the wealth industry, untrustworthy characters, and get-rich-quick trades.

September 2022 Market Report

October 5, 2022

The war in Ukraine escalated with a counteroffensive, which saw Ukraine regain large chunks of previously lost territory.

Keep Calm and Plan for Volatility

October 4, 2022

Keeping your nerve when you see minus signs on your portfolio statement is not easy. Throw in a global pandemic, the rising cost of living, interest rate hikes, and a news cycle of war and political division, and it’s little wonder many investors want to exit the market and hunker down until the good times return.

August 2022 Market Report

September 14, 2022

nflation decelerated and the housing market started to soften in July. This led to a short rally which ended at the end of August, when the Federal Reserve dashed hopes the central bank won’t stop increasing rates anytime soon.

Dangers of Information Overload

September 2, 2022

Decades into the information age, have we hit peak screens? Everywhere you look, people are offering advice. Investing “tips”, stock “insights”, and promises of “financial security” abound across social media and TV.

Beyond Coldplay: How Emerging Markets Enhance Your Investment Palette

August 15, 2022

There’s a reason the likes of Coldplay and U2 sell millions of albums - people know what they’re getting. Whether it’s The Edge’s chiming guitar or Chris Martin’s lovelorn warbling, familiarity is comforting. Less widely known, and arguably more interesting bands, like Sparks for example, who switch up genres, often endure more sporadic profits.

Inflation … What Does It Mean?

July 26, 2022

Filling up your gas tank in recent months is like seeing the bill for your toddler’s birthday party – “how much?” For a smooth family life, however, both must be paid.

June 2022 Market Report

July 11, 2022

Markets tumbled this month, initially triggered by elevated inflation above expectations. U.S. CPI increased by 8.6 per cent, above the expected 8.3 per cent.

Wealth Transfer: Preparing the Next Generation

June 22, 2022

Intergenerational wealth, on our TV screens at least, conjures images of Succession’s Logan Roy dismissing one of his weasel kids with a sneer and expletive. Roy, the fearsome patriarch, who built his business from nothing, watches in disgust as the heirs to his throne – who do no work of any note - connive and backstab in an effort to win the keys to more money and power.

Volatility and Staying Invested

June 9, 2022

Imagine you’re on a long-haul flight and the pilot informs you of every hint of turbulence. It would drive every passenger crazy. Thankfully, instead, most of us watch a movie, grab some uncomfortable sleep, and wait until the plane’s wheels hit tarmac. Ignorance is bliss.

An Alternative View

May 16, 2022

For years, you’ve dined on meat and potatoes; sturdy fare that’s given you the strength and endurance you’ve needed. Now, however, while the prime cuts of meat still deliver, the potatoes are drying out – less quantity, quality, and nourishment. To get the sustenance you need, you’ve had to look elsewhere – to vegetables, fish … heck, you’ve even contemplated fast food. The taste rewards seem endless, but the risks of the unknown are daunting.

Ukraine Invasion: Where Do Investors Stand?

April 25, 2022

Vladimir Putin is not the first Russian dictator to send chills down the spine. A trawl through the quotes of his predecessors reveals often terrifying ideological one-liners, including Lenin’s prescient, “Sometimes, history needs a push.”

Take It To The Tax: Tips and Strategies

April 13, 2022

There is nothing certain in life except death, taxes, and a Leafs playoff defeat. But at least when it comes to filing your yearly CRA return, investors can claim a modicum of control.

Managing Money in a Rising Interest-Rate Environment

March 25, 2022

Canada’s benchmark interest rate hit an all-time high of 16% in 1991 – and here investors are in 2022, freaking out over projections it’ll touch 1% by June. But there’s a reason for the current unease. Despite rate increases being forecast the minute governments and central banks opened the floodgates on trillions of dollars of stimulus, things have now “got real”.

Should I Stay, Or Should I Go?

March 8, 2022

Between the pandemic, inflation, and geopolitical tensions, market uncertainty reigns right now. You might have heard some disturbing words, like shares “plunging”, prices “soaring”, and investment “volatility”. Many people, therefore, are asking themselves: should I take money out of the market and get back in when skies are clearer?

Investing in China: The State of Play

February 25, 2022

As Canadians locked their doors to avoid the freezing temperatures this winter, many settled back and watched the action unfold in China. But, at times, it was difficult to tell the bigger story. Was it which athletes made the podium, how many times Xi Jinping cozied up to Vladimir Putin, or was it the growing number of reports explaining the slowing Chinese economy?

Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including OneLife Wealth Management. As a client of Q Wealth, you may receive services from both Q Wealth and OneLife Wealth Management. Note that individuals from OneLife Wealth Management will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. OneLife Wealth Management may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Saskatchewan, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, and an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit www.qwealth.com for more information.

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