FINANCIAL FACELIFT: Can this retiree avoid higher taxes after making a big city move?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our Portfolio Manager & Senior Financial Planner, Matthew Ardrey,…
BNN Bloomberg The Open, June 16, 2025
Pfizer shares undervalued relative to peers: Portfolio manager
Kyle Taylor, Wealth Advisor and Portfolio Manager at TriDelta Private Wealth, joins BNN Bloomberg to discuss the markets and stock recommendations. Reproduced from BNN Bloomberg The Open TV Show June 16, 2025 . Provided By: Kyle Taylor, CFA, CFP, CIM Wealth Advisor & Portfolio Manager kyle@tridelta.ca 416.733.3292 EXT. 233 905.758.0599 CELL
BNN Bloomberg Trading Day, May 27, 2025
Kyle Taylor’s top stock picks: Spotify and Extendicare
Kyle Taylor, Wealth Advisor and Portfolio Manager at TriDelta Private Wealth shares his top stock picks amid market uncertainty: Spotify and Extendicare. Reproduced from BNN Bloomberg Trading Day TV Show May 27, 2025 . Provided By: Kyle Taylor, CFA, CFP, CIM Wealth Advisor & Portfolio Manager kyle@tridelta.ca 416.733.3292 EXT. 233 905.758.0599 CELL
BNN Bloomberg Trading Day, May 27, 2025
Kyle Taylor – Scotiabank reports a rise in loan losses in Q2
Kyle Taylor, Wealth Advisor and Portfolio Manager at TriDelta Private Wealth shares his analysis of Scotiabank reporting a rise in loan losses in Q2. Reproduced from BNN Bloomberg Trading Day TV Show May 27, 2025 . Provided By: Kyle Taylor, CFA, CFP, CIM Wealth Advisor & Portfolio Manager kyle@tridelta.ca 416.733.3292 EXT. 233 905.758.0599 CELL
BNN Bloomberg, May 22, 2025
Ted Rechtshaffen – Helping young Canadian first-time home-buyers
Ted Rechtshaffen, President and CEO, Portfolio Manager and Financial Planner joined BNN’s “Trading Day and weighs in on how Canadian parents can help children buy their first home. Visit our TriDelta resources page for tools to help determine whether you can financially support your children in buying a home while ensuring that your own financial…
BNN Bloomberg, May 14, 2025
Ted Rechtshaffen – Estate planning and potential tax implications
Ted Rechtshaffen, President and CEO, Portfolio Manager and Financial Planner joined BNN’s “Trading Day” to discuss estate planning and potential tax implications. Reproduced from BNN Bloomberg Trading Day Show May 14, 2025. Provided By: Ted Rechtshaffen, MBA, CFP President and CEO tedr@tridelta.ca (416) 733-3292 x 221
BNN Bloomberg The Open, May 14, 2025
Kyle Taylor on Stock picks amid market uncertainty
Kyle Taylor, Wealth Advisor and Portfolio Manager at TriDelta Private Wealth, joined BNN “The Open” to share his top stock picks: Maple Leaf Foods, Shift4 Payments and more. Reproduced from BNN Bloomberg The Open TV Show May 14, 2025 . Provided By: Kyle Taylor, CFA, CFP, CIM Wealth Advisor & Portfolio Manager kyle@tridelta.ca 416.733.3292 EXT….
TriDelta Celebrates 20 Years
2025 marks 20 years since the TriDelta team began working with Canadians. Kyle Taylor and TriDelta founder, Ted Rechtshaffen discuss how wealth management has changed over the prior two decades and our vision for the future.
BNN Bloomberg, The Close, April 24, 2025
Kyle Taylor on Investing Amid Uncertainty
Kyle Taylor, Wealth Advisor and Portfolio Manager at TriDelta Private Wealth, joined BNN “The Close” to discuss investing amid uncertainty and three stocks held within our TriDelta Growth Fund. Reproduced from BNN Bloomberg The Close TV Show April 24, 2025 . Provided By: Kyle Taylor, CFA, CFP, CIM Wealth Advisor & Portfolio Manager kyle@tridelta.ca 416.733.3292…
FINANCIAL FACELIFT: Ezra and Leanne, both 63, fear they don’t have enough to retire. Should they take a hard look at their spending?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our Portfolio Manager & Senior Financial Planner, Matthew Ardrey,…
Market Update Q1 2025
Cameron Winser and Kyle Taylor discuss the impact U.S. tariffs are having on investment decisions and which companies are well positioned for the remainder of 2025.
TriDelta Insight Q1 Commentary
This Too Shall Pass
Market Overview The headlines for the first three months of 2025 were difficult to ignore as U.S. tariffs brought about global uncertainty for investors, businesses and consumers. Not everything was as bad as these headlines may have suggested but the start of the year proved that the fortunes of the prior years’ winners can quickly…
Financial Post / Rechtshaffen: Lessons from 20 years of TriDelta that weather economic, political storms
By consistently investing smartly and putting savings away and in the right place, you will build up real wealth over time I have been in the wealth management industry for more than 30 years, but my firm is celebrating its 20th anniversary, which, given the many client discussions that have taken place in that time,…
TriDelta Private Wealth Webinar – Trump and the Bigger Investment Picture – March 4th, 2025 Video
In case you missed our March 4th, 2025 tariff webinar, you can sign up below to view the recording of the presentation. Our discussion was hosted by Ted Rechtshaffen, MBA, CIM, CFP, President and CEO of TriDelta and features Greg Valliere, Chief U.S. Policy Strategist for AGF Investments. From on the ground in Washington DC,…
TriDelta Private Wealth Webinar – Trump and the Bigger Investment Picture – March 4th, 2025
In case you missed our March 4th, 2025 tariff webinar, you can sign up below to view the recording of the presentation. Our discussion was hosted by Ted Rechtshaffen, MBA, CIM, CFP, President and CEO of TriDelta and features Greg Valliere, Chief U.S. Policy Strategist for AGF Investments. From on the ground in Washington DC,…
Market Update Q4 2024
Paul Simon and Kyle Taylor discuss market returns in 2024, interest rates in 2025, and Paul’s picks for Canadian preferred shares.
Market Update Q3 2024
Kyle Taylor and Cameron Winser sit down to discuss interest rates, new market leaders, and what investors can expect from the U.S. election.
Market Update Q2 2024
Kyle Taylor and Paul Simon will talk about the latest market trends, what they are monitoring, and the actions TriDelta is implementing in their clients’ investment portfolios.
Market Update Q1 2024
Cameron Winser and Kyle Taylor talk about the latest market trends and what TriDelta is monitoring, along with the steps they are taking in their growth and equity strategies.
FINANCIAL FACELIFT: What’s the best way for Mark, 62, and Rebecca, 59, to use a $1-million inheritance?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our Portfolio Manager & Senior Financial Planner, Matthew Ardrey,…
Financial Facelift with Matt Ardrey – Meet David & Greta
Originally published in the Globe & Mail February 2nd, 2024, Matt Ardrey discusses the real financial plan he developed for David and Greta. Matt answers several important questions such as: When David and Greta should begin CPP and OAS? How can they build a retirement “paycheque” to support themselves and achieve their goals?
Financial Facelift with Matt Ardrey – Meet Margaret & Norman
Originally published in the Globe & Mail December 8th, 2023, Matt Ardrey discusses the real financial plan he developed for Margaret and Norman. Matt answers several important questions such as: Can Norman retire now? Can they help their two adult children without jeopardizing their own retirement plans?
Planning for Retirement as a Single Parent
Michelle Hung discusses a real planning scenario and the challenges facing single parents looking to retire and help their kids.
Transitioning to Retirement as a High Income Professional
Brad Mol discusses a real planning scenario on how a high-income professional can transition into retirement and meet their spending goals while saving on tax.
Value of an Advisor
Is there value in working with a wealth advisor? Matt Ardrey and Kyle Taylor discuss ways in which advisors can help avoid acting on impulse, ensuring Canadians have a well thought out plan for what’s next in life, and having a partner to help you navigate the noise in financial media.
Navigating Insurance Throughout Your Life
Jay Bernbaum and Kyle Taylor discuss the importance of insurance throughout our lives, examine how our needs change as we get older, and how best to integrate insurance into your financial plan.
What is Critical Illness Insurance?
Josh Tward and Kyle Taylor discuss the importance of critical illness insurance for Canadians and how to determine the best policy to fit your needs.
Tax Saving Strategies for Your Corporation
Asher Tward and Kyle Taylor sit down to discuss the role insurance can play in protecting Canadian business owners from unnecessary tax and how to properly utilize insurance to maximize your estate.
BNN Bloomberg, The Close, Jan 27, 2025 – How much income do you need to retire in 2025?
Ted joins BNN Bloomberg’s The Close to discuss Retirement Ted Rechtshaffen, president and CEO of Tridelta Private Wealth, explains how much income it would take to retire in 2025. For additional details on retirement plans, kindly check out our Canadian Retirement Income Guide page to obtain the most recent 2025 Edition, or utilize our CPP…
Why TriDelta
Ted Rechtshaffen and Kyle Taylor sit down to discuss the founding of TriDelta Private Wealth and what clients can expect when working with our team.
Maximizing Your CPP & OAS
Advisor and Portfolio Manager, Kyle Taylor provides an overview of CPP, OAS, and strategies for maximizing your retirement benefits while minimizing tax.
TriDelta Insight Q4 Commentary
Glass Still Half Full
Market Overview 2024 was a very good year for investors with the strong performance in stocks being complemented by modest growth in bonds and alternatives. The biggest drivers of these returns were better than expected economic growth and continued progress on inflation. The U.S. economy led this improvement, but most regions enjoyed better growth than…
Financial Post / Rechtshaffen: Five reasons why home prices will rise 10% in 2025
If you are considering buying, it is time to get busy. Today is an opportunity that will look cheap a year from now I aggressively predicted last year that the Bank of Canada would lower interest rates by two per cent and this would be the key theme of 2024. As it turns out, I…
FINANCIAL FACELIFT: Anne, 67, and Zoe, 64, worry economic and political instability will affect their finances. What can they do?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our Portfolio Manager & Senior Financial Planner, Matthew Ardrey,…
FINANCIAL FACELIFT: Max and Peg have a paid-off home, indexed pensions and an investment portfolio. So why are they falling short of their goals?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our Portfolio Manager & Senior Financial Planner, Matthew Ardrey,…
Financial Post / Rechtshaffen: Investing for 6% income in a declining interest rate world
These days you need to look somewhere other than GICs and money market funds. Ted Rechtshaffen explores the options. The recent declines in Canadian interest rates have been a wonderful thing for some, but others are seeing their guaranteed investment returns rapidly decline. A top-rate guaranteed investment certificate (GIC) today pays 4.05 per cent for…
TriDelta Insight Q3 Commentary
New Winners
Market Overview September ended on a bang with even lagging Chinese stocks beginning to participate in what has been a very good year for the markets. In fact, it was the best first nine months of performance for the U.S. S&P 500 since 1997. Even so, the third quarter certainly wasn’t smooth. Early August saw…
FINANCIAL FACELIFT: Mark earns $370,000 per year. Lois earns $30,000. How can they use that big income disparity to their financial advantage?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our Portfolio Manager & Senior Financial Planner, Matthew Ardrey,…
Financial Post / Rechtshaffen: How to yield 8% or more as your fixed income yields decline
High yield investments are still out there with only slightly higher risk than GICs and money market funds In the past 18 months, there has been a big migration of investment dollars to money markets, guaranteed investment certificates and short-term bonds — five per cent yields will do that. The problem is that they are…
TriDelta Insight Q2 Commentary
Moving into a declining rate environment
Market Overview The second quarter of 2024 brought with it the highly anticipated first move lower for interest rates in Canada and Europe. The move won’t do much, by itself, to reduce monthly payments on mortgages, car loans or lines of credit, but it kickstarts a shift in monetary policy that should see interest rates…
FINANCIAL FACELIFT: Do Larry and Brandy, 64, need to sell their home or cottage to afford retirement?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our Portfolio Manager & Senior Financial Planner, Matthew Ardrey,…
Capital Gains changes – what it actually means to you
As you know, the recent Federal Budget announcement had a few important changes that can have an impact for some clients but certainly not all. Rather than repeat the contents of the Budget, we have been spending some time on what specific actions we will be recommending for clients and why. This note outlines our…
FINANCIAL FACELIFT: How should Hank, 69, and Caroline, 64, turn their savings into income?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our Portfolio Manager & Senior Financial Planner, Matthew Ardrey,…
TriDelta Private Wealth Webinar – Six Ideas for Tax Smart Investing – April 16th, 2024
In case you missed our April 16th webinar, you can view the recording of the presentation below. A 1-year GIC paying 5% held in a taxable investment account for a high-income Ontario resident produces only a 2.3% return after taxes. What if you could get a similar pre-tax return but a higher after-tax return to…
TriDelta Insight Q1 Commentary
A Solid Start to the Year
Market Overview The first few months of 2024 proved to be generally positive, capitalizing on the momentum seen in the final months of 2023 and broader participation among non-technology stocks. This continued optimism helped stock markets trend positive despite investors predicting less interest rate decreases in 2024 than initially thought and the risks of an…
BNN Bloomberg, Your Money Month, Feb 7, 2024 – Ted Joins BNN Bloomberg to Discuss TriDelta’s 2024 Canadian Retirement Income Guide
Ted joins BNN Bloomberg to discuss TriDelta’s 2024 Canadian Retirement Income Guide February is Your Money Month at BNN Bloomberg, putting a spotlight on how to better manage your finances. From repaying debt to rebalancing your portfolio to wills and estate planning to inflation-proofing your retirement fund. Ted Rechtshaffen, president, CEO, and portfolio manager at…
FINANCIAL FACELIFT: How should David, 56, and Greta, 55, manage their investments in retirement?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our Portfolio Manager & Senior Financial Planner, Matthew Ardrey,…
TriDelta Private Wealth – Good Morning Hamilton With Rick Zamperin Interview
Ted Rechtshaffen joins Rick Zamperin on the Good Morning Hamilton Podcast to Discuss Retirement Planning Good Morning Hamilton with host Rick Zamperin is where you learn about the biggest stories of the day and how they impact you. Ted Rechtshaffen of TriDelta Private Wealth sits down the Rick Zamperin to discuss Retirement Planning and asks…
TriDelta Insight Q4 Commentary
What’s Next?
Market Overview 2023 will be remembered as an interesting year for investors and one which was making out to be a very lackluster year for most international markets until investors were gifted the “Santa Claus Rally” many craved. This gift came in the form of renewed hope for declining interest rates which spurred returns in…
TriDelta Private Wealth BNN Bloomberg – The Economy Will Put a Lot of Pressure on the Bank of Canada to Lower Rates
The economy will put a lot of pressure on the Bank of Canada to lower rates: portfolio manager On Morning Markets, BNN Bloomberg’s Amber Kanwar interviews some of North America’s leading money managers and analysts for actionable ideas on how Canadians can best position their investment portfolios. Ted Rechtshaffen, president, CEO, and portfolio manager at…
FINANCIAL FACELIFT: When can Norman, 62, afford to join Margaret, 65, in retirement?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
TriDelta Private Wealth Webinar – High Interest Rates and its Impact on Investing – October 12, 2023
2023 has been a year characterized by more questions than answers. Will interest rates continue to rise? How do the opportunities in bonds and GICs compare to my stock portfolio? What’s next for Canada versus other geographies for investing? TriDelta is pleased to hear from three leading industry experts who will share their thoughts on today’s…
TriDelta Private Wealth Webinar – Six Ideas for Tax Smart Investing – April 16, 2024 – Video
In case you missed our April 16th webinar, watch the recording of the presentation below. A 1-year GIC paying 5% held in a taxable investment account for a high-income Ontario resident produces only a 2.3% return after taxes. What if you could get a similar pre-tax return but a higher after-tax return to ensure more…
TriDelta Insight Q3 Commentary
Be Nimble & Stay Humble
Market Overview The third quarter brought much of the volatility we had been missing since earlier this Spring as the S&P 500 had its worst stretch since the U.S. banking crisis in March and the steam behind the AI (Artificial Intelligence) rally began to wane. In our second quarter commentary we spoke of the narrow…
TriDelta Private Wealth Webinar – High Interest Rates and its Impact on Investing – October 12, 2023
2023 has been a year characterized by more questions than answers. Will interest rates continue to rise? How do the opportunities in bonds and GICs compare to my stock portfolio? What’s next for Canada versus other geographies for investing? TriDelta is pleased to hear from three leading industry experts who will share their thoughts on today’s…
TriDelta Private Wealth Webinar – High Interest Rates and its Impact on Investing – October 12, 2023
2023 has been a year characterized by more questions than answers. Will interest rates continue to rise? How do the opportunities in bonds and GICs compare to my stock portfolio? What’s next for Canada versus other geographies for investing? TriDelta is pleased to hear from three leading industry experts who will share their thoughts on today’s…
FINANCIAL FACELIFT: What age should Kate, 56, start taking her CPP and OAS benefits?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
Corporate Insurance Case Study
< Previous Page Corporate Insurance Case Study Let’s explore a typical real-world scenario by considering Michael and Emily, a retired physician and nurse. Client Profile: Michael & Emily Both aged 60 Four adult children No debt Home and cottage valued at $2.75 million $4 million held in investments $2 million inside their holding company (formerly…
Financial Post / Rechtshaffen: Big interest rate cuts ahead from the Bank of Canada if 2001 is any indication
They say that actions speak louder than words, and this definitely applies when it comes to the Bank of Canada. The central bank now forecasts the consumer price inflation (CPI) index will return to two per cent in mid-2025. If this two-year prediction causes you concern that policymakers won’t be lowering rates for two years,…
TriDelta Insight Q2 Commentary
The Magnificent 7
Market Overview Gloom-and-doom pessimists who predicted 2023 would be a year of economic misery have so far been wrong as the long-anticipated recession has failed to materialize while markets continued to rebound from their 2022 lows. Stubborn inflation, a debt ceiling brawl, banking crisis, and the likelihood of even higher interest rates have done little…
Financial Post / Rechtshaffen: The case for ending the Bank of Canada’s interest rate hikes now
The May consumer price index (CPI) rose 3.4 per cent year over year, which was a big drop from the 4.4 per cent year-over-year number in April, but that doesn’t tell the real story. Not surprisingly, there is a component of the CPI that is still showing significant inflation. The mortgage interest cost index was…
FINANCIAL FACELIFT: Can Evelyn, 62, and Ezra, 70, afford to both travel and financially assist their son?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
Financial Post / Rechtshaffen: Planning to live a long, healthy life? Here’s how to make your money last
There is an all-encompassing statistic for baseball players called WAR, or wins above replacement. The higher the WAR over a career, the better the player. The very best Hall of Fame players might have a WAR of more than 100. A career for one of these greats might last 20 years, but their WAR is…
Financial Post / Rechtshaffen: 6 ways to make more income from your investments
There are some unique opportunities in every investment market, and we’re not talking about artificial intelligence and lithium mining here, but the joys of some sources of high income. Some of these vehicles are better known than others, but each brings a different yield and has a different risk profile. High-interest savings funds and ETFs…
TriDelta Insight Q1 Commentary
Still Looking for Broader Traction
Market Overview The first three months of 2023 saw much of the financial drama we have grown accustomed to coming off a volatile few years. Stock markets continued their momentum from the end of 2022 into January but pulled back in February on renewed fears of a recession and concerns markets may have got ahead…
Financial Post / Rechtshaffen: Gluskin Sheff goes from unique and independent to being part of behemoth RBC
As someone who has viewed Gluskin Sheff as a competitor, my impression of the firm has always been the following: some very smart and capable people, investment focused, at one time very good marketers, very high fees for high-net-worth clients, a little smug, a culture shifting further and further from its earlier success, not focused…
FINANCIAL FACELIFT: Ed and Patti, both 58, have defined benefit pensions. But without a handle on what they spend, can they afford to retire early?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
Financial Post / Rechtshaffen: Borrowing against life insurance can be a unique source of cash — if you can do it
There is nothing like finding cash where you don’t expect it and for some Canadians, their life insurance policy may just be that source of cash. Many Canadians own life insurance, the most common of which is term life insurance. This is insurance you own for certain periods of your life, and then the coverage…
Financial Post / Rechtshaffen: 4 steps to getting investment income without paying the CRA more taxes
Most investors like a high-income yield, but are you one of them? Do you need monthly income to pay your bills? Is this income earned in a taxable account? If you don’t need the monthly income from investments and you have taxable investment accounts, there is likely a way to lower your taxes. Let’s start…
Financial Post / Rechtshaffen: 4 ways the wealthy can make a dent in a large tax bill
The top 20 per cent of Canadian income earners pay more than 61 per cent of the income tax, according to a Fraser Institute study from 2022. Today, the marginal tax rate in Ontario for those earning over $235,675 is 53.53 per cent. Nevertheless, our prime minister said in 2017, “Everyone knows, the middle class…
TriDelta Insight Q4 Commentary
Putting 2022 In Its Place
Market Overview 2022 was a rollercoaster year that saw war between Russia and Ukraine, fears of an energy crisis, surging inflation, and central banks raising interest rates at a pace not seen in decades. While it’s impossible to summarize a year in just a few sentences there are several points from 2022 worthy of note:…
FINANCIAL FACELIFT: Can Duncan and Lorna afford to retire early and leave their children a big nest egg?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
23 investing and personal finance thoughts for what’s to come in ’23
As we headed into 2022, I shared 22 financial thoughts for 2022. As it turned out, they were largely accurate, with one meaningful exception. I predicted an increase in interest rates and inflation, but, like many others, the hikes exceeded my more modest view. Looking towards 2023, interest rates and inflation will once again be…
New signals point to more than just a ‘Santa’ rally
The past year has delivered lingering concerns over Covid, continued supply chain constraints, the Russian Ukraine war, unprecedented inflation, and subsequent aggressive government interest rate hikes to reduce this inflation. This crushed stocks and bonds. A review of three broad US market sectors tells this year’s sad tale. The iShares Core S&P Total U.S. Stock…
Financial Post / Rechtshaffen: Avoid these five mistakes when estate planning to preserve family peace
Fortunately, there are now many options to invest with companies that have very strong risk and operational procedures to lend to businesses. These investments have generally had returns for investors in the 6.5 per cent to 8.5 per cent range on a steady basis.
TriDelta Financial Webinar – 5 Top Financial Ideas for High Net Worth Canadians – November 3, 2022
Since 2005, TriDelta Financial has been working with high net worth Canadians. In that time we have developed a deep understanding of the burning questions that can keep high net worth Canadians up at night. We generally view high net worth Canadian households as those with a net worth over $3 million. We cover tax…
FINANCIAL FACELIFT: Can Russ, 55, and Vicky, 47, retire early and live comfortably without exhausting their life savings
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
TriDelta Insight Q3 Commentary
Market Overview Coming off a difficult June, markets were optimistic heading into the early stages of the third quarter. By mid-August markets in Canada and the U.S. were strongly positive on several good news stories. Recession fears eased on the back of improving economic data and inflation showing early signs of having peaked, and company…
Financial Post / Rechtshaffen: Mo’ money, mo’ problems: Even the wealthy are worrying about their financial future
Fortunately, there are now many options to invest with companies that have very strong risk and operational procedures to lend to businesses. These investments have generally had returns for investors in the 6.5 per cent to 8.5 per cent range on a steady basis.
FINANCIAL FACELIFT: Bob, 62, was laid off last year. Can he and Roberta afford to retire with the income they want?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
FINANCIAL FACELIFT: Should Leo and Linda reboot their retirement spending plan to buy a bigger townhouse?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
Financial Post / Rechtshaffen: Interest rates are still rising, but investors should start preparing for when they come back down
Fortunately, there are now many options to invest with companies that have very strong risk and operational procedures to lend to businesses. These investments have generally had returns for investors in the 6.5 per cent to 8.5 per cent range on a steady basis.
TriDelta Insight Q2 Commentary
Overview While it’s undoubtedly been a difficult first six months of the year, there are still positives. A strong job market, companies buying back their own stock, signs that pessimism had gone too far, and strong bank balance sheets have helped provide some support. The consumer has also largely continued to spend, helped by rising…
Financial Post / Rechtshaffen: Hang on a minute: Inflation is actually good for some people
Fortunately, there are now many options to invest with companies that have very strong risk and operational procedures to lend to businesses. These investments have generally had returns for investors in the 6.5 per cent to 8.5 per cent range on a steady basis.
Market Commentary for June 2022
Two Important Sources of Value – Stocks and Emotions In May, the S&P500 dropped as much as 11% in the first 3 weeks and ended the month roughly flat. In a month like this, and in a year like 2022, it is very important to start with investments that are valued at least somewhat reasonably,…
Market Commentary for May 2022
Why There is Reason for Optimism In March of 2020 the markets suffered one of the steepest drops in recent memory. From peak to bottom, the S&P 500 fell 35%. In hindsight many people who had been through the Great Financial Crisis a decade earlier saw this as an excellent opportunity to invest, while others…
FINANCIAL FACELIFT: Can Brandon and Michelle achieve financial independence in six years’ time?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
TriDelta Financial Webinar – Investing in Real Estate – Hear From the Experts – April 20, 2022
Real estate is a hot topic frequently discussed in the media and in conversation. Will the price of my home continue to rise? How will rising interest rates influence the market? What sectors of real estate are poised to outperform? TriDelta is pleased to welcome 3 leading industry experts in Real Estate who will share…
TriDelta Insight Q1
Managing through change
Overview The world is a difficult place to navigate in the best of times, and Q1 2022 was certainly not the best of times. In this quarterly review, we will look at: Interest Rates and Inflation TriDelta’s current view on stocks, alternative investments, bonds and preferred shares Some personal finance highlights from the recent Federal…
FINANCIAL FACELIFT: Plans for early retirement need a rethink
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
TriDelta Financial Webinar – TriDelta’s Up to the Minute Investment Thinking – February 17, 2022
As the world turns, the conversation has meaningfully switched from the Covid-19 reopening to other areas of the market. In this webinar, you will hear about the investment impact of: • Rising interest rates • Rising inflation • Global markets vs. North America • Trouble in the Ukraine We will speak to what TriDelta sees…
FINANCIAL FACELIFT: Have Margaret and Simon saved enough to meet their retirement spending goal?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
22 financial thoughts on what’s to come in ’22
Predicting the future has always been a challenge, and it has become almost impossible with Omicron. That said, I’m optimistic things will considerably improve on the COVID-19 front in 2022, at least from the second quarter onward. This belief is based on a mix of hope and science that there will be a high enough…
What is our Investment Thinking Today?
Are Stocks Expensive? If you are talking the Nasdaq U.S. market, the answer is yes. If you are talking the S&P500 U.S. market, the answer is probably yes. If you are talking other markets, then the answer may be no. One measure of valuation is the Forward Price/Earnings multiple, or P/E multiple. The higher the…
FINANCIAL FACELIFT: Can Owen and Emily afford to retire next year and spend winters overseas?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
FINANCIAL FACELIFT: Can Sébastien and Sofia afford a new cottage on top of their other financial goals?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
FINANCIAL FACELIFT: Can Ben and Lucy retire in their 40s on just one income?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
FINANCIAL FACELIFT: Can Richard and Jane afford an expensive renovation without infringing on Jane’s retirement plans?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
FINANCIAL FACELIFT: Couple whose income has taken a big hit want to sell home and retire early by ‘leaning hard into dividends’
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
TriDelta Financial Webinar – 12 Questions with Stephen Poloz, former Governor of the Bank of Canada – January 14, 2021
As a new year is upon us, it is important to get a handle from the experts on key issues. It is TriDelta’s pleasure to present Stephen Poloz, Special Advisor at Osler, Hoskin & Harcourt LLP and former Governor of the Bank of Canada from June 2013 to June 2020. Stephen will join us to…
FINANCIAL FACELIFT: B.C. couple want to achieve a ‘working optional’ lifestyle
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor & Portfolio Manager, Matthew Ardrey,…
FINANCIAL FACELIFT: Can Ted retire at year end and spend $150,000 a year?
Below you will find a real life case study of an individual who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
TriDelta Financial Webinar – How U.S. Elections, Global Trade and COVID-19 are changing the investing landscape – October 5, 2020
The World is changing fast, and that will impact how we make investments. In this webinar we will hear from Angelo Katsoras, Geopolitical Analyst with National Bank of Canada. Mr. Katsoras brings 20 years of experience, along with the insights of the entire National Bank Economics team. He will help explain how the impact of…
FINANCIAL FACELIFT: How can this couple save for their son’s higher education and their own retirement?
Below you will find a real life case study of a couple who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
Taking a pension’s commuted value can leave some Canadians wealthier
For Canadians who are planning to retire or have perhaps lost their jobs and who have a defined-benefit (DB) pension plan, there has never been a better time to review the age-old question of whether they should keep the pension or take the commuted value (CV). That’s because of the way the CV – or…
FINANCIAL FACELIFT: Lucinda wonders how to organize investments after the coronavirus accelerated her decision to sell her house
Below you will find a real life case study of an individual who is looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
TriDelta Webinar – COVID answers from a Professor of Infectious Diseases, and why we are more cautious about markets – July 23rd, 2020
There is a huge amount of information out there about COVID-19. Yet clear answers are hard to find. In this TriDelta Webinar, we will get your biggest questions answered by Dr. Robyn Harrison, Clinical Professor, Division of Infectious Diseases in the Department of Medicine at the University of Alberta.
TriDelta Webinar – Investing for today and why to include private credit in your portfolio – June 8, 2020
In this webinar, you will learn about: A unique high income, low tax solution for non-registered and corporate accounts How to generate steady yields of 7%+ in a low interest rate environment An update on the TriDelta Alternative Performance Fund Getting access to institutional investments as a retail investor Reducing your reliance on highly volatile…
FINANCIAL FACELIFT: Should Wilfred and Wendy diversify their Canada-heavy stock portfolio as they inch closer to retirement?
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
FINANCIAL FACELIFT: Should millennial savers Sid and Kamala hit pause on their plans to buy a house?
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
TriDelta Webinar for Professional Corporations – May 14, 2020
This Webinar is focused on those with a Professional Corporation. It will feature ideas and new opportunities that we see in 2020 and in a post COVID-19 world. We will hear the best advice from a Lawyer, Accountant, Actuary and TriDelta Wealth and Planning specialists, all who work closely with Professional Corporations. Learn about: •…
TriDelta Webinar: Estate Planning Decisions – May 7, 2020
This Webinar will cover: Making the biggest impact that you can to those you care about How to sort through the tricky issues of stepfamilies and second marriages The smartest ways to leave money to family and charity for the future The smartest ways to leave money to family and charity this year How to…
TriDelta Financial Webinar: Real Estate Update – April 20, 2020
In this Webinar, leaders in Canadian Real Estate and TriDelta Portfolio Managers will cover: The short term and long term impacts of COVID-19 on Real Estate How did real estate react in 2008 and will it be different this time? Opportunities for your investment portfolio, your home and/or investment property Broader stock, bond and preferred…
FINANCIAL FACELIFT: Can this couple still retire in three years after their investments took a major hit?
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
Canadian investors have toughened up, and more lessons my clients have taught me during this crisis
Unique opportunities sometimes come in extreme times.
The one detailed below on commuting the value of your pension won’t be an option for many, but for those with the ability to take advantage, it could meaningfully improve their retirement finances for years to come.
Investing for the Long-Term
One of the things that often frustrate investment clients is the language used by investment professionals when markets go down. While the terminology is meant to soften the blow or put the current situation into context, the client is often left annoyed and confused.
TriDelta Financial Webinar: State of the Investment Markets Today – March 23, 2020
We will discuss: How investments have been performing Update on our view forward Examples of investments for the long term Q and A opportunity Hear from: Alternative Income Update: Lorne Zeiler, CFA, MBA, SVP, Portfolio Manager Stock Market Update: Cam Winser, CFA, SVP, Equities Bond and Credit Update: Paul Simon, CFA, VP, Fixed Income Update…
Hear a recording of today’s (March 12th) TriDelta Investment Conference Call
After markets closed today, TriDelta Financial did an investment conference call to outline what we were doing heading into 2020, what signs we are looking for today to reinvest some funds, and what we might be investing in. You will hear from: Ted Rechtshaffen, MBA, CIM, CFP, President and CEO Cameron Winser, CFA, Senior VP,…
Markets are fearful and history tells us that means the time to buy is right now
Unique opportunities sometimes come in extreme times.
The one detailed below on commuting the value of your pension won’t be an option for many, but for those with the ability to take advantage, it could meaningfully improve their retirement finances for years to come.
Are RRSPs really worth it? The answer may surprise you
More and more people say to me that they don’t contribute to RRSPs. They don’t think it makes sense. If they ask my opinion, my response always depends on the specifics of the person who is asking. For the purposes of this article, I will address a few different scenarios. For all of these examples,…
Strategies to Make Your Money Last Longer in Retirement and to Reduce Taxes
Lorne Zeiler, Portfolio Manager and Wealth Advisor, was one of the experts interviewed on current strategies that can be used by investors to reduce overall taxes paid in retirement and to the estate. Lorne Zeiler focused on the benefits of gifting. Written by: Terry Cain Special to The Globe and Mail Published November 11, 2020…
Tips on How to Get the Most from your RRSP
Lorne Zeiler, Portfolio Manager and Wealth Advisor at TriDelta Financial, was one of the experts asked about strategies to maximize the benefit of RRSP accounts and how to reduce overall taxes based on the timing of withdrawals and use of Spousal accounts. Written by: Dale Jackson Special to The Globe and Mail Published February 7,…
These unfair tax policies are putting a burden on women and seniors and need to be changed now
Here’s a scenario I’ve seen several times in my career as a wealth manager. A retired couple that receives two full CPP payments and two full Old Age Security (OAS) payments is able to fully split their income for tax purposes. Then one spouse dies. The survivor only receives one CPP payment, no OAS, and…
FINANCIAL FACELIFT: Can Olivia and Larry retire early with an ideal income of $10,000 a month?
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
TriDelta Q4 Review – Back to ‘normal’
Overview At the end of December 2018, markets had just completed one of the worst quarters in several years. The general view was very weak. Today, many investors are much more positive after very strong returns in 2019. Where that leaves us today is much more in the middle in terms of our outlook for…
Why investors should pay for all investment fees out of non-registered accounts
The Department of Finance Canada’s recent letter to the Canada Revenue Agency (CRA) stating that paying investment fees for registered accounts out of non-registered accounts does not constitute a tax advantage is a big win for investors, who are now free to pay their investment costs from any source they choose. There are various advantages…
Pensions 101: The importance of understanding your pension
I have been involved with the Financial Facelift articles since 2013 and in the financial planning industry since 2000. In my time working on the Financial Facelifts, I have been asked many questions about my calculations and recommendations; but bar none, questions about pension calculations have been the most frequent. With that in mind, there…
FINANCIAL FACELIFT: What can I do to be more financially successful as I enter my 40s?
Below you will find a real life case study of an individual who is looking for financial advice on how best to arrange their financial affairs. Their name and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
This alternative to stocks and bonds is gaining a following among wealthy investors
I hear a lot of the following these days: “The stock market is too volatile and there is a recession coming. I am nervous about stocks.” “With interest rates so low, I will lose money owning bonds after tax and inflation.” “Preferred shares have not performed very well over the past few years so I…
Ted Rechtshaffen: Why I made my daughter pay for her first year of university
Teaching financial responsibility and financial lessons should be an important part of a university education A few years back I wrote an article that was not very popular with high school students. I suggested that a great financial lesson to teach a child or grandchild is to have them pay for at least one year…
TriDelta Q3 Report – Are the markets in better shape than you thought?
Overview It is amazing how the day to day can seem very volatile, but when you step back far enough, returns have been fairly steady. Q3 was one of those quarters. July was good, August was bad, and September was good. When you add it all up, the quarter was not great, but decent. The…
FINANCIAL FACELIFT: Can Chelsea and Chad ‘make it all work’ with a second baby on the way and a possible career change?
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
Making the most of an RESP
With kids heading back to school, education planning and registered education savings plans (RESPs) are at the forefront of discussions that financial advisers are having with many investors – whether these clients have children in a postsecondary institution or saving for them to go into one in the future. The RESP is an enticing vehicle…
Why Canada should eliminate minimum RRIF withdrawals entirely
An industry colleague and I were talking the other day about registered retirement income funds (I know, we aren’t the most exciting people) and he suggested the government should just remove RRIF minimum withdrawals entirely. The comment was like a lightning bolt to me. It is such a straightforward thought and, in my mind, makes…
FINANCIAL FACELIFT: Rosy projection for long European vacation, then retirement in B.C. hides ‘substantial risk’
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
This borrow-to-invest strategy can build you wealth with someone else’s money
“Borrowing to invest” can be a scary phrase. There have been many inappropriate cases where it doesn’t end well. Yet for all of the naysayers, I am pretty sure that you are currently doing it or have done it before. If you have ever had a mortgage or debt on a home equity line of…
TriDelta Q2 Report – The Fed to the Rescue
The second quarter of 2019 has felt a little like Canada’s Wonderland. You climb the roller coaster, then you experience big ‘wind in your hair’ descent, then another climb. At TriDelta, we definitely work to smooth out your portfolio returns much more than the typical stock market, but I am sure that most of you…
What Happened to the Preferred Shares Market?
The stock market suffered a big market drop in the Fall / early Winter, but has since had a substantial recovery. Bonds posted solid returns this past year. Preferred shares have had a very different experience. They declined last year, had a modest recovery and have sold off again in the past few months, leaving…
The Spousal RRSP – Does it still have a place in Retirement Planning?
One of the more frequent questions I get from clients regarding their retirement planning is, with the pension income splitting legislation, are spousal RRSPs worthwhile anymore? The answer is yes, in several situations. Before I outline the planning situations that are useful for spousal RRSPs, first a little primer on what they are and how…
Financial Post columnist (Rechtshaffen) shows how many Canadians can afford Retirement Homes
A financial expert and Financial Post columnist compares the costs of senior housing options including home care, long-term care and a retirement home. A newspaper columnist recently contacted Amica to research an article on the cost of private retirement living. This wasn’t any reporter: it was Ted Rechtshaffen, a personal finance columnist for the Financial…
Financial Post/Rechtshaffen: How wealth advisors provide a significantly higher value service for core clients than roboadvisors
Advisors know which clients to put on which path to achieve the best big-picture result Several people have asked me lately about the Questrade TV ads that feature someone in their 30s going to what appears to be their parents’ financial advisor to tell them why they are leaving. My first thought was, “Why did…
FINANCIAL FACELIFT: Can this couple retire at 60 and afford to keep the cottage in the family?
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
The maximum OAS a couple can get is $25,600 in 2024. Here’s how to collect all of it
Old Age Security (OAS) is a funny part of Canadian retirement planning. Many Canadians assume they won’t receive it, or even if they do, they believe it won’t last many more years. The truth of the matter is that for a couple, it can generate as little as $0 or as much as $25,600 a…
FINANCIAL FACELIFT: This 72-year-old’s portfolio is 97% in stocks. Is she taking on too much risk as retirement nears?
Below you will find a real life case study of an individual who is looking for financial advice on how best to arrange their financial affairs. Their name and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
Q1 TriDelta Investment Review – Everything is good again….isn’t it?
Overview After double digit declines in Q4 2018, Q1 2019 saw a significant bounce back. We saw double digit increases in the TSX at 12.4% and in Canadian dollar terms, the S&P500 at 10.8%, with a 7.1% gain in the Euro Stoxx 50 and 2.8% in Japan. Leading the way in gains in Canada was…
FINANCIAL FACELIFT: Should this couple sell their house for a better retirement?
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identities. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
Here’s what it costs to live in a retirement home — and the bottom line is less than you might think
As my clients age, one of the key financial planning questions they ask is, “Can I afford to live in a retirement residence?” and the follow-up, “How much extra in expenses do I need to plan for?” Usually the answer to the first question is yes, and the answer to the second one is…
FINANCIAL FACELIFT: To buy or rent a condo? Montreal couple search best route for saving towards retirement
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identities. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
Retirement Shouldn’t be a Taxing Transition
When people think of retirement, they make think of relaxing at the cottage, traveling the world, or maybe with the recent blasts of winter we have been receiving, spending some time in warmer climates. What most people don’t think about is how my taxes are going to change. Yes, with April just around the corner,…
Trudeau is right: 40% of Canadians don’t pay income taxes, which means someone else is picking up the bill
Many people were upset with Prime Minister Justin Trudeau this week for saying “low-income families don’t benefit from tax breaks because they don’t pay taxes.” Of course, some were upset because they felt it was untrue. But Trudeau was speaking the complete truth when it comes to income taxes (HST, realty taxes and other consumption…
These are the eight sources of retirement income you need to know about
In RRSP season there is a lot of focus on your RRSP — surprise, surprise. As most of you know, the RRSP will ultimately turn into a RRIF and be a key source of your income in retirement. What many people don’t always think about is other potential sources of retirement income. In our work…
FINANCIAL FACELIFT: With ambitious retirement goals, will this couple have enough to meet their lifestyle needs?
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identities. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
Q4 TriDelta Investment Review – Out with the old and in with the new
Overview Q4 and in particular December, was a period to forget from an investment perspective. An example of the damage includes the following quarterly returns in their home currency: S&P 500 (US) -14.6% TSX (Canada) -11.1% Euro Stoxx 50 -11.7% China Stocks -12.1% Japan Stocks -16.4% Oil Prices -40.0% CDN Preferred Shares -11.6% Fortunately, TriDelta…
What investors should buy now if they like high yields and low prices
Timing the market is a tricky business. To do it really well you have to get three things right. You need to buy in at the right time, sell at the right time, and then reinvest your funds at a good time. Our view has always been that given that markets go up pretty…
A proven path to higher and stable returns
The global equity markets have been very volatile and have understandably rattled investors confidence. The ‘winds of change’ to one of the longest bull markets have arrived and our portfolio safety metrics are being tested. At TriDelta we set out to construct conservative portfolios designed to deliver in all market cycles for financial peace of…
Real Estate – Is now the right time to downsize?
By: Vivien Sharon It was my pleasure to host an exclusive event at Sotheby’s International Realty Canada in Toronto recently. The subject was: THE BIG QUESTION: IS NOW THE RIGHT TIME TO DOWNSIZE? Special guests included Ted Rechtshaffen, who discussed income & tax planning for Boomers and Ismail Barmania, a lawyer specializing in estate planning…
FINANCIAL FACELIFT: This couple started saving too late for retirement and now face some tough choices
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identities. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
FINANCIAL FACELIFT: Can an uncertain investment help this 60-year-old retire early?
Below you will find a real life case study of a woman who is looking for financial advice on how best to arrange her financial affairs. Her name and details have been changed to protect her identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
Q3 TriDelta Investment Review – TriDelta is Expanding, but What About the Market?
Overview We wanted to kick off the fourth quarter with some TriDelta news, by announcing the opening of TriDelta’s Edmonton office. The office is led by Arlene Pelley, an industry veteran who is joining the firm and planting the TriDelta flag in Western Canada. Click here to learn more about Arlene’s background. Turning from TriDelta…
What a couple of kids at the CNE can teach the government about budgeting
In September everything is back in swing. Kids are back in school. Governments are back in session. Money will be spent on juice boxes and money will be spent on pipelines. Before the juice boxes get packed for school though, I had the pleasure of being at the CNE in Toronto with my son and…
FINANCIAL FACELIFT: Great savers, not so great at investing
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
FINANCIAL FACELIFT: Home upgrade could saddle couple with too much debt to easily meet retirement dreams
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
Q2 TriDelta Investment Review – Global Trade: Long Term Problems or Short Term Worries
OVERVIEW As we languish in summer heat, we feel anguish in summer Tweets. If there has ever been a larger global megaphone than President Trump’s Twitter account, we don’t know what it is. While we try our best to ignore most of it in order to prevent overreactions when it comes to investing, the prospect…
FINANCIAL FACELIFT: Returning Canadians aim to manage competing goals of travel, saving, retirement
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
FINANCIAL FACELIFT: This couple making $258,000 a year are worried they are paying too much in investment fees as their retirement nears
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
Financial Health Opens the Door to Healthy Aging
Boomers are a generation of rule breakers, but there’s one front where Canadian Boomers toe the line: financial health. Yes, Boomers have a well-earned reputation for consumer spending, but Canadians are by nature a little cautious: We’re not thought of as big risk takers and high fliers. This prudent approach to life, combined with an…
FINANCIAL FACELIFT: Big move from Alberta to Ontario puts sharp focus on middle-aged couple’s portfolio mix
Below you will find a real life case study of a couple who are looking for financial advice on how best to arrange their financial affairs. Their names and details have been changed to protect their identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew Ardrey, to review and…
The Financial Media Can Be Harmful to Your Wealth
“Success in investing doesn’t correlate with I.Q…. Once you have ordinary intelligence, what you need is the temperament to control the urges that get other people into trouble in investing.” – Warren Buffet As Warren Buffet and countless other investment gurus have observed, one of the most important factors for being a successful investor is…
IPP – Why so many dentists have set this up to save taxes in 2018 and beyond
As a dentist you know that from time to time you may be presented with a challenging case of a difficult extraction. As a Wealth Advisor and Financial Planner, I can tell you we are also often presented with a case of a potentially difficult extraction but instead of it being a molar, our challenge…
The importance of a Will
A Will is something that most of us should have unless our net worth is limited and we’re happy with the way the government mandates distribution between spouses, children and grandchildren (detailed below). Any special inheritance wish will however need to be properly spelled out in a legal document, which takes effect when you die. …
Renting as a senior might make more financial sense than downsizing and buying
Many seniors are presented with the option of downsizing their home once they reach retirement. Ted Rechtshaffen, President and Wealth Advisor of TriDelta Financial says this may make sense for some seniors, but so might renting. Click here to watch the interview. Posted By: Ted Rechtshaffen, MBA, CFP President and CEO tedr@tridelta.ca (416) 733-3292 x…
FINANCIAL FACELIFT: How one woman is trying to make the most of her investments to meet her travel goals
Below you will find a real life case study of an individual who is looking for financial advice on how best to arrange her financial affairs. Her name and details of her personal life have been changed to protect her identity. The Globe and Mail often seeks the advice of our VP, Wealth Advisor, Matthew…
Tips for helping your kids buy a house
TriDelta President Ted Rechtshaffen joins House Money on BNN with advice for parents possibly looking to help their kids buy a home. Click here to watch the interview. Posted By: Ted Rechtshaffen, MBA, CFP President and CEO tedr@tridelta.ca (416) 733-3292 x 221
Q4 TriDelta Investment Review – From Great to OK – Moving from 2017 to 2018
2017 – the year without a stock market correction The Ebola Virus, Greek Crisis, Debt Ceiling, Refugee Crisis, Global Warming, Brexit, Trump, North Korea…there is always something scary for the media to report and make us nervous. Usually, these headlines frighten investment markets. For some reason, 2017 didn’t see this. In many major markets, there…
FINANCIAL FACELIFT: Newly divorced dad is setting his retirement goals high
Below you will find a real life case study of an individual who is looking for financial advice on when he can retire and how best to arrange his financial affairs. His name and details of his personal life have been changed to protect his identity. The Globe and Mail often seeks the advice of…
Countdown to Year-end – Have you put your tax planning in place?
With less than a month to go before the end of the year, it is time to give some thought to how you are going to put your affairs in order to minimize your taxes next April. Below I have provided several points which you should contemplate for your own tax situation. Some of these…
FINANCIAL FACELIFT: Are these soon-to-be retirees ready to set sail?
Below you will find a real life case study of a couple who are looking for financial advice on when they can retire and how best to arrange their financial affairs. The names and details of their personal lives have been changed to protect their identities. The Globe and Mail often seeks the advice of…
Q3 TriDelta Investment Review
How did Markets do? The 3rd Quarter report would have had a different feel if it was written in early September. At that point Bonds were down, Canadian stocks were down, and with a strong rise in the Canadian dollar, US stocks were down in Canadian dollar terms. Fortunately the quarter ended on September 30th,…
Protecting Your Retirement Portfolio – in a Down Market
When I review the portfolio of a new client as part of their financial plan, they almost always have at least one of the following concerns on their mind. They ask how long can stocks continue to climb given it has been an eight year bull market or how can their portfolio earn any income…
Seven ETFs to counter a Canadian portfolio bias (from the Globe and Mail)
Lorne Zeiler, VP, Portfolio Manager and Wealth Advisor at TriDelta Financial was interviewed by Joel Schlesinger of the Globe and Mail on how Canadian investors can use ETFs to reduce specific Canadian market risks in their portfolios. (Article printed on September 26, 2017). In the investing world, you can have too much of a good…
FINANCIAL FACELIFT: Christopher, 70, wants to ‘ease into retirement’ – and avoid double taxation
Below you will find a real life case study of an individual who is looking for financial advice on when he can retire and how best to arrange his financial affairs. His name and details of his personal life have been changed to protect his identity. The Globe and Mail often seeks the advice of…
Alternative Investments – A proven path to higher and stable returns
Equity markets have recovered significantly in recent years and are now considered fully valued or overvalued. Bond markets have experienced 30 years of declining interest rates and are also expected to have low returns for a while. This suggests it’s time to consider other asset class solutions such as global corporate real estate, infrastructure, private…
The question on every Toronto retiree’s mind: Do I sell my house now?
There are early indications that residential home prices in the Greater Toronto Area are starting to level off. Between changing mortgage rules, a new foreign buyers’ tax, and banks placing tougher standards on property valuation, there is definitely some downward pressure from many sides. This possible peak often gets my older clients to think harder…
Major changes to the Ontario Disability Support program
The Ontario disability support program (ODSP), the income benefit for adult Ontarians with a disability, aged 18 years to 65, was introduced in 1998. The ODSP benefit replaced the old Family Benefits Allowance (FBA) which had been in place for a number of years, however on September 1 2017 the ODSP will undergo a number…
FINANCIAL FACELIFT: New worlds to explore for couple eyeing retirement
Below you will find a real life case study of a couple who are looking for financial advice on when they can retire and how best to arrange their financial affairs. The names and details of their personal lives have been changed to protect their identities. The Globe and Mail often seeks the advice of…
Q2 TriDelta Investment Review – What a Rising Interest Rate World Means
Are Central Banks Starting to Hit the Brakes? On July 12th, the Bank of Canada raised interest rates for the first time in seven years. While the pace of interest rate increases in Canada is likely to be slow and very gradual (0.25% increases at a time), it does reflect a significant change for the…
FINANCIAL FACELIFT: How can this couple make sure they’re prepared for retirement?
Below you will find a real life case study of a couple who are looking for financial advice on when they can retire and how best to arrange their financial affairs. The names and details of their personal lives have been changed to protect their identities. The Globe and Mail often seeks the advice of…
FINANCIAL FACELIFT: The mortgage is paid, income is good but budgeting is hit-and-miss
Below you will find a real life case study of a couple who are looking for financial advice on when they can retire and how best to arrange their financial affairs. The names and details of their personal lives have been changed to protect their identities. The Globe and Mail often seeks the advice of…
Q1 TriDelta Investment Review – What a great start to the year!
After a great first quarter for our clients, stemming from high exposure to U.S. stocks, preferred shares, and high yield bonds, our investment direction is shifting slightly.
Tips for lowering taxes on investments (from the Globe and Mail)
How can investors reduce taxes on investments? TriDelta Financial’s Lorne Zeiler, Portfolio Manager and Wealth Advisor was one of two wealth management professionals interviewed by Globe and Mail reporter Terry Cain to answer this very question (article printed on March 1, 2017). It’s an old saying but it still holds true – nothing is certain…
Buying Low: Investing Strategy in Frothy Times (from the Globe and Mail)
When stock markets have risen significantly, often some of the best investing opportunities is in the sectors that have been unloved and overlooked. Lorne Zeiler, Portfolio Manager and Wealth Advisor at TriDelta Investment Counsel was one of three portfolio managers asked where to look for value investments today by Globe and Mail reporter Joel Schlesinger…
The golden opportunity of a pension windfall might be slipping away as interest rates rise
You have been told time and again that you are one of the lucky ones. You have a defined benefit pension — meaning that when you retire you will get a fixed monthly payment for as long as you live. I agree you are one of the lucky ones, but not exactly for the reason…
Where to Invest Your RRSP Contributions
Lorne Zeiler, VP and Portfolio Manager at TriDelta Financial and Investment Counsel was the guest on BNN’s The Street on February 13th to discuss RRSP Investing, TFSAs and where to invest your RRSP contribution. Click here to watch the interview. Written By: Lorne Zeiler, MBA, CFA VP, Wealth Advisor lorne@tridelta.ca 416-733-3292 x225
TriDelta Investment Counsel Q4 Report – In 2017 while the noise gets louder, facts matter more than ever.
10 Facts for 2017 and what it means to you For a 65 year old couple, there is a 90% chance at least one will live to age 80. For a 65 year old couple, there is a 48% chance at least one will live to age 90. Since 1926, average returns for the S&P500…
FINANCIAL FACELIFT: At start of big earning years, couple face lack of retirement savings
Below you will find a real life case study of a couple who are looking for financial advice on when they can retire and how best to arrange their financial affairs. The names and details of their personal lives have been changed to protect their identities. The Globe and Mail often seeks the advice of…
What is a Locked-in Retirement Account (LIRA)?
LIRAs are registered accounts that are funded with assets from a pension plan. These types of accounts are very similar to the RRSP but with some significant restrictions. Recently I was quoted in an article written by Jon Chevreau for the National Post. about LIRAs. As I am finding that more and more of my…
What you need to know about the new mortgage rules
On October 3rd , the federal government announced new mortgage requirements, which are designed to dampen the housing price euphoria. Getting a mortgage approved at a great rate or maximizing the value of your real estate could both be impacted by these changes. At TriDelta, we are able to help you or your children with getting…
New Liberal tax implications for each of us
As we sit here in the last quarter of 2016, the new tax brackets ushered in by the Federal Liberals are about to become reality as people begin preparing their tax returns early next year. The Liberal web site states: When middle class Canadians have more money in their pockets to save, invest, and grow the…