Return Expectations

Return Expectations

Let’s start this conversation with as of October 17, 2019 that US and Canadian central bank interest rates are below 2%.  This is known as the risk free rate. Premiums are built on top of this. Liquidity, credit risk, volatility in revenue, tenure, experience,...
Death Does NOT Freeze You

Death Does NOT Freeze You

I had a friend of mine pass away last week. I sat next to him at work every day for 7 years.  I miss him very much and I’m saddened by the family he left behind and how they must feel. I always try to impart some positivity when I go to a funeral or viewing and...
The Monthly: September

The Monthly: September

When it comes to wealth management, it is more than just delivering products and providing good service. It is about understanding someone’s entire situation and putting the pieces of the puzzle together. How does someone’s life fit with their investments,...