Can you Ever Have Good Debt?

With the Holiday Season starting, we should be taking a careful look at our budget so that we can plan our shopping for gifts and other expenses responsibly. We’ve all heard so much about debt that it can almost be considered another four-letter word, but are there circumstances when it can make sense to carry […]

How to Talk About Retirement Planning so your Adult Children will Listen

Retirement is not just something that applies to seniors. It may not be a priority for people aged 18-34, it is not too early for them to be thinking about it for their future. People in this age group will be living longer, healthier lives. Proper planning is essential if they will be living for […]

Why Do You Need a Personal and Health Care Representation Agreement?

When you think about end-of-life issues, what kinds of things come to mind right away? Most of us have specific ideas about the kinds of treatment we do and do not want. You may feel very strongly about whether you want doctors to use extraordinary measures to preserve your life. What would happen if you […]

Power of Attorney: Why Choose to Give up your Right to Make Decisions?

One of the things that we would find hardest to give up is our independence, and that may be why the idea of signing a power of attorney is so difficult for many people. There are times when having a signed power of attorney in place can be a benefit to you and your family, […]

Defer your Property Taxes to Increase Retirement Cash Flow

Can a Reverse Mortgage Pay for Home Care in Retirement?

How do you picture your retirement? If you are like most people, your focus is on havingtime to spend on activities you enjoy and the people you care for the most. The last thing on your mind is how to pay for health care services if you, your spouse, or partner becomes disabled. While the […]

How to Talk About a Will and a Final Plan with Aging Parents

] Having a will and a final plan in place is recommended as soon as we enter into adulthood. If we don’t take care of it then, we should make some decisions when a major life event has occurred such as a marriage, birth of a child or on receiving an inheritance.

Generation Y: How you Can Help Your Kids and Grandkids Survive Financially

If it seems that there is constant negative press about Generation Y and its ability to survive in today’s economy, you’re right. It’s a lot tougher out today for young people to make it financially. Tuition fees are extraordinarily high and continue to climb. Home prices in the Lower Mainland are pretty much unaffordable for […]

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    Two Different Retirement Planning Goals in Your Household: What to Do

Two Different Retirement Planning Goals in Your Household: What to Do

If you have married later in life or for the second time, keeping your finances separate seemed the sensible thing to do. The basic costs such as the mortgage, utilities, taxes and insurances were split 50/50. You took care of your own personal needs and lifestyle costs. You each have your own savings and retirement […]

Living Single in Retirement: A Planning Guide

Lifestyle planning in retirement may be a bit easier when there is only one of you. It’s very simple to create a bucket list for exactly what you’d like to do during retirement. There are no arguments if you decide that travel just isn’t for you – or if travel means a month in Italy […]