Blog

7 Tips to Save Money Where You Didn’t Know You Could

Saving money is not only about creative cost-cutting, but also about making smart spending decisions. It is never too late to take a look at your finances and start trimming away any excessive spending. Below are 7 helpful tips and tricks to not only help you keep

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Retirement Myths Debunked

Executive Summary: We are experiencing a silver Tsunami. The leading edge of the Boomers turned 65 six years ago. On average, 1,250 Canadians turn 65 years old every single day. Most Boomers were born between 1961 -1965. That’s why you feel everyone has been turning 50. And

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Cash Flow Planning 101

According to a CIBC study in 2012, 59% of retirees end their working lives in debt.  Today, half of Canadians report that they expect to retire in debt.  The media is full of messages about ‘what’ we should spend or save, but we seem to be missing

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RRSP: More Money in Your Pocket

It’s February Already!? February is a month popularly known for two things: Valentine’s Day and the Registered Retirement Savings Plan (RRSP) contribution deadline. Yes – it’s that time of year again when Canadians rush to make a last-minute RRSP contribution to put money aside for the future

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Rollback of TFSA contribution room – What does it mean for you?

As promised, the Liberals have rolled back the Tax Free Savings Account (TFSA) annual contribution room to $5,500 (from $10,000) beginning January 1st 2016. The new contribution room will be indexed in future years. The good news is that the lower 2016 contribution room does not impact

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Are you working with a qualified financial planner?

This month, you have a chance to speak up on an issue that is close to our hearts, and affects all Canadians—better protections for those seeking financial planning. The need for unbiased financial planning advice has never been stronger. But in Canada (except for Quebec), anyone can

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Podcast about the benefits of fee-only financial planning during transitional times such as job loss.

In this podcast from January 7, 2014, a fee-only financial planner, of Bespoke Financial in Toronto, talks with Pamela Johnston of the Breadwomen Project about the importance of getting an unbiased opinion during transitional times. Specifically, they look at job loss and how to regain a broader

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Podcast about Living for the Moment versus Planning for the Future, with Susan Stefura, fee-only financial planner in Toronto

This is a podcast from February 12, 2014, featuring Bespoke Financial Consulting, as rep talks with Pamela Johnston of The Breadwomen Project about finding the happy money medium between living for the moment and planning for the future. This podcast is entitled Live for the moment vs.

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Is a Fee-Only Financial Planner Right for you?

We all face life events that excite and challenge us, whether it’s marriage, birth of a child or grandchild, job loss, retirement, illness, divorce or death of a loved one. How many of these have you faced in your own lifetime? These life events often come with

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Defining and Finding a fee-only financial planner in Toronto

One of the first questions we always ask a potential client is, ‘how did you hear about us?’ but what we really want to know is ‘how on earth did you find us?’. There aren’t many fee-only financial planner types to begin with and you won’t find

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