Tuesday Talks with Brian Etherington: Fixed Income Investment Considerations

Prudent and successful investors weigh risk tolerance; safety of capital; potential for growth; efficient tax treatment which doesn’t negate the benefit of certain types of investment and harmonious integration with their own financial and estate planning objectives when structuring their investment portfolios. In this historic time of low interest rates some investors may at their peril assume […]

Tuesday Talks with Brian Etherington: Philanthropic Giving in Canada

                   Canadians have proven themselves to be generous; carry a sense of duty towards their fellow citizens in need and have a clear understanding that to address philanthropy is to engage in moral biography. Speaking as our guest to the Board of Directors of a national Canadian charity, Dr. Paul Schervish, of the Centre on […]

Tuesday Talks with Brian Etherington: The Who and Why of Philanthropic Giving

  Canadians have proven themselves to be generous; carry a sense of duty towards their fellow citizens in need and have a clear understanding that to address philanthropy is to engage in moral biography. Speaking as our guest to the Board of Directors of a national Canadian charity, Dr. Paul Schervish, of the Centre on […]

Tuesday Talks with Brian Etherington: What is Wealth?

Wealth can result from a passive action such as a lottery ticket, an inheritance, a discovery or a gift; but for the vast majority of people it is the result of a journey. Christopher Columbus said that: “You can never cross the ocean unless you have the courage to lose sight of the shore”. The […]

Tuesday Talks with Brian Etherington: Insurance Purchasing Cooperative

The very thought of Employee Benefit programs is akin to watching paint dry in the minds of many – until a serious claim occurs – which sharpens the attention of both employees and employers. It may come as a surprise to learn that employees repeatedly across Canada have indicated preference for a benefit plan or […]

Tuesday Talks with Brian Etherington: Risk Management-Ancient Origins & Modern Application

The transference or distribution of risk had its origins from Chinese and Babylonian sea traders in the 3rd Millennia BC who would redistribute their cargo across many vessels to mitigate loss from the sinking of any one vessel. 1,000 years later the merchants of Rhodes created the principle of  “General Averages” whereby a premium would […]

Tuesday Talks with Brian Etherington: Inheriting Wealth

Talking about money with anyone is difficult. The scale of inheritance involved with the families in the below linked article is life changing for their children. But regardless of whether your Family has been inheriting wealth for generations, one generation or merely aspiring to create wealth in the current generation, not talking about it means […]

Family Money Talks – Cottage Succession

The source of generations of happy memories, the future of the cottage in the lives of an expanding Family can also be the source of worry and angst. Honest Family discussions about the future of the cottage are a sensible starting point. Who is likely to be in? Who is likely rather to be out? […]

What and When Is “Estate Planning”?

For many people it doesn’t make sense to work a lifetime to accumulate assets; only to have at least 25% of much of their value confiscated at death or distributed otherwise than in accordance with their wishes. Hard work is what built this country. The desires to succeed; to raise a family; build a business […]

Retirement #3: The Living Standard Retirement Ratio

Notwithstanding the various retirement income planning guides and models referenced in the previous article in this series – their applicability will vary according to the personal circumstances of each retiree or retiring couple. As reported in Rob Carrick’s Globe & Mail article of FEB 5th, 2017 entitled: “The new way to tell if you’ve saved […]