Scot Bolton

🎢 Investment Portfolios: The Roller Coaster You Choose to Ride

Ever stood at the gates of a theme park, staring at the towering loops of a roller coaster and thought, “That looks fun… but also terrifying”? That’s kind of what investing feels like—except you *do* get to choose your ride. Let’s talk asset allocation. It’s the mix of stocks, bonds, cash, and other investments inContinue reading “🎢 Investment Portfolios: The Roller Coaster You *Choose* to Ride”

Education Funding – It’s that time of year

I always think of early September as the real “New Year’s”. All across the country, children and young adults went back to school, at different times, over the past few weeks. September 14th was the first day back for our daughter who is in Grade 12. Like most other aspects of life in 2020, highContinue reading “Education Funding – It’s that time of year”

Registered Retirement Income Fund (RRIF)

Clients often ask, “What happens when I have to RRIF?” While it is not a complicated process, most clients have never worried about what happens…until the time comes when they start to worry about what happens. While you can choose to RRIF sooner, and you should talk to your Certified Financial Planner Professional if thisContinue reading “Registered Retirement Income Fund (RRIF)”

Registered Accounts: RRSP vs TFSA

One of the most important financial tools available to Canadians for tax and retirement planning is the Registered Retirement Savings Plan (RRSP). In fact, if you don’t own a business, it is one of the very few ways in Canada to legally shelter or defer tax. On a smaller scale (because of limits) we alsoContinue reading “Registered Accounts: RRSP vs TFSA”

Getting Started with Financial Planning

Financial planning is a relatively easy exercise that can and should be undertaken at any age. Just Google it. See? Lots of stuff out there. At every stage of the life-cycle, from student to retired senior, there will be benefit to undertaking some version of the financial planning process. You don’t necessarily need the wholeContinue reading “Getting Started with Financial Planning”

It’s Not Rocket Science

I have had some reasonable successes so far in this lifetime (you never know, Shirley MacLaine might be right), and many are the result of laziness. Ok, maybe that isn’t the right word. A charitable person might say that I am a good delegator, or strive for efficiency at work and at home, but IContinue reading “It’s Not Rocket Science”