September Update
How soon we forget what Normal is.. Finally! Back to normal. We sure have been spoiled by the equity markets of the last few years. We are now seeing markets the way they really are. There is a down, as well as an up.
Click here to read more: Cardinal Update September 2015
DM Monthly Report
Attack of the Clones – It’s been said that stocks take the stairs up and the elevator down, but in the last week of August, they rode the express lift in both directions.
Click here to read more: DM-Monthly-Report-Sep-15
The Estate Bond
Growing your estate without undue market risk and taxes
Often we see older investors shift gears near retirement and beyond. Many become risk adverse and move their assets into fixed income type investments. Unfortunately this often results in the assets being exposed to higher rates of income tax and lower rates of return – never a good combination.
Or maybe the older investor cannot fully enjoy their retirement years for fear of spending their children’s inheritance.
The Estate Bond financial planning strategy presents a solution to both of these problems. Read more 
Start a family conversation about elder care
BY David Wm. Brown and Sarah Brown
Starting a conversation about someone’s age is a sure way to be the least popular person in the room. But while this is a no-go territory for cocktail party chatter, it’s a conversation you need to have with your parents.
Statistics Canada tells us that in 2007, people aged 45 to 64 paid for 75% of elder care. And now, a new generation is realizing that when their parents need long-term care, they’ll be called upon to fund it.
