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.
August Update
Looking for Silver Linings in the Loonie – In recent months every conversation includes a comment or question about the value of the Canadian dollar. Questions like… How low will be go? How will it impact my investments?
A client who has been with Cardinal for any length of time knows that we can’t (and don’t) predict exchange rates. We estimate fair value to some extend, but with political, social, financial and economic factors all at play, it is a useless exercise to guess a market rate.
Click here to read more: Cardinal Update August 2015
DM Monthly Report
A Market of One – Throughout our 15 year history, it has been surprisingly common for the S&P/TSX Index to become heavily influenced by a single stock.
Click here to read more: DM-Monthly-Report-Jul-Aug-15.pd
