Hope you’ve enjoyed your summer and taken some time off to rest and recharge. As the summer nears its end, we are starting to enter “back to school” season. That means it’s time to discuss education planning for your child’s schooling. RESPs, or Registered Education Savings Plans, are extremely helpful in setting aside money for your children’s post-secondary education and…

And just like that, we’re into September. Kids are going back to school, the weather is starting to shift, and as much as you may miss the summer, right now is the perfect time to analyze your wealth and mitigate risk.  One of the first questions I like to ask clients about their wealth is “what are you doing to…

Happy Belated Canada Day! I hope you’re finding some time to take off this summer, or at least getting a chance to enjoy the sun we’ve all been waiting for. This month’s topic is a little less fun to talk about, but is one of the most important things you can do when managing your wealth. I am, of course,…

I hope your June is going well. It’s been a long time coming, but we’re finally starting to get the summer weather we’ve been waiting for. Last month, we spent some time discussing some of the more “mainstream” asset classes. I refer to them as mainstream because stocks or bonds are accessible to almost everyone. Now, I’d like to go…

I hope this letter finds you in good health (physically and financially). Today I want to talk about public investments and how they can help you meet your goals. Your job isn’t to become an expert in investments (that’s why you hired me), but it helps to know the basic options you have in the public markets. Public investments are…

I’m often asked what makes Kismet different from other wealth managers. The fact is, most wealth management firms are only concerned with increasing their assets under management (AUM). They earn a percentage based on the funds they manage, and all the other services are just part of a long sales pitch to get you to trust them with your investments.…

Tax season is just around the corner, and as you gear up to write that cheque to the government, you’re probably realizing how much tax you owe on your investments. As your portfolio grows, you are going to find you have more than enough money to fill up both your TFSA and RRSP. At this point, you’ll need to start…

One month down! Are you meeting your goals, or already scrambling to catch up? I can’t help you with that pesky stomach fat, but as tax season looms closer, it’s a good time to think about everybody’s top investing question: RRSP or TFSA? Ideally, you are able to max out your contribution room in both accounts this year, but if…

Happy New Year! I hope the holidays treated you well and that you’ve managed to keep up your resolutions so far. The start of the year is the best time to assess the status of each of the different areas of your life. That also makes it a great time to assess how your investments have performed over the last…