Debt affords us the opportunity to benefit from things that we may not be able to purchase in the short term, such as a home.

The objective of investing is to receive a future flow of funds larger than the funds originally invested.

Death is inevitable – and sooner or hopefully later, we are going to die. Before we do, we should take some actions to put our affairs in order.

Using a broker doesn't cost you more. Often it can cost you less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.

The most valuable asset that the vast majority of the adult population has is the ability to work to earn the income required to provide for a reasonable lifestyle and to build net worth.

Are you covered against the primary critical illnesses, such as cancer, heart attack and stroke that can cause emotional and financial distress?

Maintaining your quality of life after the diagnosis of a critical illness and dealing with financial commitments can cause hardship for you and your families. Critical illness insurance can protect your family's future.

Motor vehicle insurance has various elements including property damage coverage, liability coverage including coverage for the death or injury of a third party, collision coverage and comprehensive coverage.

Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.

The purpose of investing is to improve our future circumstances or future lifestyle.

Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.

There are three ways to manage money: Market timing, security selection, and asset allocation. The first two, in our view, involve too much luck and risk.

Without proper retirement planning, you can be faced with a significant cut in your income at retirement, requiring dramatic changes to the lifestyle to which you have become accustomed.

Diversification is the process of helping reduce risk by investing in several different types of individual funds or securities and works hand in hand with asset allocation.

Building net worth over a lifetime requires prudent planning and the implementation of sound strategies. Insurance is an important element of any sound financial plan.

Divorce

“There are two sides to every question.”

Pythagoras

Divorce is difficult, and often, can be messy. Divorce causes people to say and do things that would normally be out of character for them – sometimes doing unthinkable and unacceptable. It can become a personal battle with the casualties often extending way beyond the main protagonists to children, families and friends.

Divorce (and death) is among the most significant changes that a family may be required to go through. It means more than physically separating a family; it also means separating a family financially. Divorce situations usually involve many changes — in household composition, in income, sometimes in moving to a different home, work or school. This often brings emotional stress.

However difficult it may be, you will be able to make better financial decisions in the future for yourself and your children, if you keep your emotions from influencing your financial decisions.

To be as satisfied as possible within the new financial situation, it is important to assess values, goals and priorities carefully. These adjustments will occur over time, during and after divorce, therefore it will be important to continue to review the established goals and priorities on a regular basis. It may be as important to work with someone on whose advice you can rely during this period of physical, emotional and financial transition.

Divorce

More than you want and less than you need