Articles

Breaking your mortgage: ‘It’s either worth it or it’s not’
by Mary Bitti (Advisor's Edge Report, March 2012)
Fixed-rate mortgages are at historic lows but if you are locked in to a contract with your bank, those benefits may be yet elusive. [View Article]

Faceoff: Is costlier insurance cost-effective?
by Cindy David (Advisor's Edge Report, December 2011)
Canadian insurers have gone through two rounds of price increases since December 2010. Does pricier insurance still make sense for clients who want to leave legacies? [View Article]

Universal Truths
by Cindy David (Advisor’s Edge, May 2010)
The market has seen more than its share of trouble lately. This isn’t news—nor is the fact that the instability has affected clients’ investment portfolios in their personal and corporate non-registered accounts, as well as their RRSPs, RRIFs and TFSAs. [View Article]

Maximize Tax Savings in 2010
by Cindy David (Advisor’s Edge, March 2010)
Thanks to significant changes in 2008 and 2009, in addition to dependable, long-standing tax planning strategies, you now have many different approaches to help your clients defer their taxes and save this year and for years to come. [View Article]

Specific riders can serve clients’ special needs
by Gavin Adamson (Investment Executive, March 2010)
Here is a look at how two common riders — the children’s protection and the disability waiver of premium — can serve clients’ needs [View Article]

Taking Another Look at Annuities
by Gavin Adamson (Investment Executive, March 2010)
The traditional products, combined with an investment strategy, have appeal for some advisors and clients [View Article]

Maximize retirement income choices
by Cindy David (Advisor’s Edge, February 2010)
When it’s time to decide on a pension option, it’s vital to start with a retirement plan. What do clients need out of their pensions in order to meet their goals? [View Article]

The Christy Clark Show
CKNW AM980 (February 2, 2010)
Christy Clark interviews Cindy following the news that a BC court has told a daughter to repay her elderly father after she ripped him off to the tune of $300,000. Listen to the segment to hear what your rights are when it comes to protecting your estate.

• Visit the Public Guardian and Trustee of British Columbia for detailed information on powers of attorney, representation agreements and court orders appointing a committee to look after the affairs of a person who is mentally incapable. Email or call (604) 660-4444 (Vancouver) for more information.
• The Nidus Personal Planning Resource Centre & Registry provides detailed information on representation agreements. Email or call (604) 408-7414 for details.

Improving retirement income decisions
by Cindy David (Advisor’s Edge, February 2010)
Highlighting the benefits of pension maximization. The plan allows pensioners to insure their own survivor pension privately, rather than allowing the pension plan to insure it – often a higher price. [View Article]

The Role of GMWBS in Estate Planning
by Cindy David (Advisor’s Edge, November 2009)
I frequently come across clients who own Guaranteed Minimum Withdrawal Benefit (GMWB) plans or are considering purchasing one, and many don’t fully understand the plans because, let’s face it, they’re complicated. [View Article]

Beyond Ruling from the Grave
by Cindy David (Business In Vancouver)
One of the  first implemented steps in most estate plans is the all-important Will, outlining how your  financial affairs are to be handled and your assets distributed when you pass on. [View Article]

Magazines

• Business in Vancouver Adovcis Insert (December 2011)
• Manulife Solutions (Winter 2011/2012)
• Manulife Solutions (Fall 2011)