Contents: Retirement questions, buying-high & selling-low, marketable ‘limit order’, advancing the retirement planning clock, DOL: disclosure insufficient-best interest standard required, US home prices advance but sales slower, Canadian condo supply: demand ratio 20:1 in some cities, 401(k) advisors’  have ongoing responsibility, Canada/UK/US pensions’ funded status deteriorates, deferred-income annuities misused? if DB pensions so good […]

Contents: Fiduciary-shameless opposition, mortgage vs. retirement savings, TFSA vs. RRSP, RRSP withdrawal strategy, sell your snowbird property now? pension crisis aggravated by longevity, models don’t trump common sense, sin-vesting, Canada’s health system: symbol of contradiction, too much finance bad for the economy. Personal Finance and Investments In the NYT’s “Making brokers toe the mark” Tara […]

Contents: Financial literacy efforts a useless smokescreen? Clements: a happier financial life, bedrock personal finance rules, rules for your golden years, tax minimization in retirement, adviser to manage your RRSP? free portfolio management coming, auditing high value TFSAs? Canada housing up! renters the majority in big U.S. cities, Canada takes top 1-2-3 positions in global […]

Contents: Aids in adviser selection, advisers fail women, retiree debt levels deteriorating, prepping for health and LTC costs in retirement, Canada housing: Calgary on the precipice while Toronto motors on? downsizing? U.S. annuity sellers protecting their gravy train, Klarman: lessons from Buffett, Canadian household debt rings alarm bells, ETFs not the same as passive investing, […]

Contents: Long-term care insurance fix? recency bias, renting in retirement, real and worsening retirement crisis, pension plan sponsors make poor decisions, Canada’s pension regime needs overhaul…duh, deflationary threat? smart-beta promise? factor investing- flavour of the month! Personal Finance and Investments In the WSJ’s “A way to fix long-term care insurance?”  Glenn Ruffenach discusses a Michael […]

Contents: Assets adequate for retirement? 1% adviser fee- next pin to fall? RRSP traps, Canada’s house bubble? Bank of Canada rate surprise-adding more air to the housing bubble? UK pensions: mandatory annuitization stopped- is annuity cash-in option next? will pension fund managers come clean on charges? Lieber: don’t buy Tony Robbins’s annuity pitch, Canada’s health […]

Contents: Retainer based business model for advice? returns not primary driver in search for adviser, Clements: money myths, Canada’s housing slowing? U.S. renters take it on the chin, longevity annuities to shine in U.S. in 2015, OSC/SEC retreat on cooked books at Nortel, Ellis/Munnell/Eschtruth: retirement problems and solutions, retirement age? financial industry about products/sales not […]

Contents: Clements: 31- rules to investment, advice: will that be human/robot/hybrid? FINRA sees value in fiduciary standard for brokers? Canada house price bubble: 63% overvalued? UK house prices fixed, Americans’ retirement savings status? required savings rates? US corporate pensions’ funded status drops 9% as mortality data recognized, risk of complexity in finance, age discrimination? Bitcoin: […]

Contents: Bonds and volatility, Vanguard: largest robo-adviser, estate planning for singles, retirement: not just about money, don’t bother with forecasts/forecasters, Canadian homes: up to 30% overvalued, measuring your 401(k), UK pension reform risks collateral damage? Ontario tables mandatory pension plan, fix in place for multiemployer PBGC pension insurance? OECD warns of need for pension changes, […]