by Jeffery A. Keill, CFP, CIM, FMA, FCSI, Portfolio Manager and Wealth Advisor Keill & Associates- Advisory Team A lot of things have changed over the years, but some things remain the same. Most Canadians want to buy a home, educate their children, pay off debt, and retire comfortably. Retirement is one of the most significant financial and lifestyle transitions for Canadians. The concept of changing not only your income from ‘man at work’ to ‘money at work’, but also changi

by Jeffery A. Keill, CFP, CIM,FMA,FCSI, Portfolio Manager and Wealth Advisory Keill & Associates- Advisory Team In 1973, Roberta Flak released her version of "Killing Me Softly With His Song" which reached Number 1 in Canada and The USA. In those same years both inflation and interest rates began to rise dramatically. Every time I hear this song I think about the slow erosion of wealth from tax and inflation. For those who do not know me will think this is strange. This Seri

by Jeffery A. Keill, CFP, CIM, FMA, FCSI, CEA, Portfolio Manager, Senior Wealth Advisor Keill & Associates- Advisory Team There are a few no-brainers in Canadian personal finance. The Tax-Free Savings Account (TFSA) is one of them. It is a versatile and advantageous financial tool available to Canadian residents. Introduced by the Government of Canada in 2009. The TFSA was designed to encourage savings and investment by offering  a unique combination of flexibility and tax b

by Jeffery A. Keill, CFP, CIM, FMA, FCSI, Portfolio Manager and Senior Wealth Advisor Keill & Associates- Advisory Team Stocks are meant to be long term investments. Investors are cautioned not to chase high short-term returns. Re-balancing your portfolio may be in order at times, but it must be done on a sound basis such as a change in market conditions, factors affecting a certain asset class, or a change in your personal investment objectives, risk tolerance, or time horiz

by Jeffery A. Keill, CFP, CIM, FMA, FCSI, Portfolio Manager and Senior Wealth Manager Keill and Associates- Advisory Team Introduction Have you considered making a Will for yourself but have yet to take the necessary steps? Unfortunately, you are not alone. Many people have considered the need to draft a Will for themselves, yet a great number of Canadians seem to put off this activity for many reasons. Many people finally put their wishes in writing when the shock of their

by Jeffery A. Keill, CFP, CIM, FMA, FCSI, Portfolio Manager and Senior Wealth Advisor Keill & Associates- Advisory Team When it comes to discussing estates and creating an Estate Plan, the concept of probate always becomes a topic of interest. More appropriately, the discussion is generally around why it exists and how to avoid having it. This Serious Money Discussion Paper will attempt to provide some clarity to a complex part of the estate settlement process in Ontario, and

by Jeffery A. Keill, CFP, CIM, FMA, FCSI, Portfolio Manager and Senior Wealth Advisor Keill & Associates- Advisory Team As part of our series of First Time Home Buyers Strategy Discussion papers, we want to cover the common plans and accounts available to First Time Home Buyers to save for a down payment. There are several different accounts and plans to help potential first timers to acquire their first home but many of them include jargon and rules that are not part of ever

If you have ever been a parent, you can appreciate wanting great outcomes for your children. We hope to help them grow in many aspects.

Spring and taxes. For Canadians they go hand in hand. For many Canadians, it is also the time of year when tax refunds are arriving...

People with Disabilities and their loved ones face a distinct set of financial challenges throughout their lives. To help address these chal

Of all life’s transitions and milestones, getting married is not only a significant emotional milestone, but also a major financial event.

We live in a commercially driven society with advertisements built upon satisfying our need for immediate gratification.

Like so many other poorly developed and launched Government pieces of legislation, the new Bare Trust rules seem to have the same DNA.

Health Care Spending Accounts (HCSA) have become a popular alternative to traditional group health and dental plans.

When death occurs it’s devastating for family and friends. Through grief and disarray some issues that need to be dealt...