Robert Carducci, RRC®
Financial Planner, Principal Broker
Financial Planner, Principal Broker
Mortgage brokers are valuable mediators in the Canadian mortgage market, offering distinct advantages for both new homebuyers and those undergoing mortgage renewal. Multiple Lender Access: Mortgage brokers work with numerous lenders, such as major banks, credit unions, mortgage finance companies, …
Read moreEstate planning is a process that allows one to determine how their assets will be distributed upon death. As we prepare to pass our lifetime assets to our heirs, there are key components of an estate plan that should be given careful consideration.
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Many people get caught up timing the market, when influenced by either of the two emotions, greed or fear. Here’s why this never works.
Read moreCognitive biases can impact business or investing decisions
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Credit interest eats away at wealth Every household has a budget and must live within its means, as well as save for the future. We each must be careful to not allow debt interest repayment to reduce our ability to live comfortably, or retire with financial security.
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A mortgage payment generally consists of several components: the mortgage principal and interest, property taxes and mortgage life insurance.
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Establish appropriate forums. Family retreats and regular meetings can allow the family to discuss the issues that will promote the continuation of a profitable family-run company.
Read moreYou are permitted to contribute to your RRSP up until December 31 of the year in which you turn 71, at which point your RRSP must be closed. This deadline is firm — missing it means the entire balance is …
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Start-up firms and smaller companies are especially vulnerable to potentially devastating financial risk because they often lack big company sophistication and in-house risk-control expertise. We will help you gain control of your financial risk.
Read moreLife insurance provides a tax-free death benefit and is a necessary component of most financial plans. Let’s look at the Top Insights on using life insurance to protect our assets and build wealth. Types Of Life Insurance Term Insurance: Term …
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When you apply for a mortgage, there are several questions that a lender may ask.
Read moreTax Planning is Legal: Canadians can legally arrange finances to minimize income tax. Tax Issues to consider: RRIF Withdrawals: Increases your tax burden and may result in an Old Age Security (OAS) clawback. Provincial Tax Rate: Living in a high-tax-rate …
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