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Viewpoints, advice and education from other experts

The truth about sequence of returns risk
In this video, Ben Felix tells us that contrary to popular belief, having an all-stock portfolio in retirement is actually the safest asset allocation, even if the stock market has a poor year right at the beginning of your retirement. The catch? Instead of keeping your spending level each year, you need to adjust your spending depending on how the market does. This means lower spending in weak markets. 

Can you be confident in the stock market?

Ed Rempel is a big believer in investing heavily in stocks, even 100% stocks in retirement. This is an unconventional view as most advisors say you need some bonds. In this video, Ed reviews the history of the stock market and explains why a stock-heavy portfolio can be a good thing. The caveat is that many people don't have the stomach for it and could end up selling their stocks in a down market. 

Implications of investing within a corporation
When you generate business income in a corporation, it's taxed at a low rate. This is great. But money you earn from investing (including rental income) in a corporation doesn't get this favourable tax treatment. Many people don't understand that this passive or non-business income is taxed at a much higher rate than the business income, often even higher than your personal tax rate. You need to be purposeful about how much you take from the corporation and invest personally and how much you keep in the corporation. This video explains some nuances of corporate taxation. Once you have a better understanding of how it works, talk to your accountant about the best strategy for taking money from your corporation. 

Interviews with me


Filing taxes - things to consider --> Listen
Shane Hewitt - iHeart Radio

Stock market panic (don't panic) --> Listen (starts at 10:10)
Shane Hewitt - iHeart Radio

Investing and renting vs owning --> Listen (starts at 10:10)
Shane Hewitt - iHeart Radio

Tips for saving money with kids --> Listen 

Moolala Podcast

How to deal with the high cost of kids' sports -->
Listen 
Just Asking - CBC Radio

Teaching your kids good money habits --> Listen 
The Evan Bray Show

The importance of kids having a job --> Listen

The Evan Bray Show

The Globe and Mail

Check out my opinion columns where I talk about parenting and money and also investing.
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