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Category: Investment

Having Your Cake and Eating it Too

February 1, 2022Blog, Estate Planning, Financial Planning, InvestmentMaclean Rowe

Investing in an uncertain stock market is not for the faint of heart. However, fortunately for Canadians, Segregated Fund products offered by many life insurance companies provide a safety net for nervous investors.

Fund products present some interesting opportunities for people looking to get more security in their investment portfolios without sacrificing their potential for growth.

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The Difference between Segregated Funds and Mutual Funds

September 2, 2021Blog, Business Owners, InvestmentMaclean Rowe

Segregated Funds and Mutual Funds often have many of the same benefits however there are key differences you should consider like Maturity and Death Benefit Guarantees.

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Diversifying in Uncertain Times

November 1, 2020Blog, Coronavirus, Coronavirus - Associates, Coronavirus - Practice Owners, Coronavirus - Retired, Coronavirus - Retiring, Estate Planning, Investment, Life InsuranceMaclean Rowe

Uncertain about where to invest during Covid-19? It may be time to diversify through a Participating Whole Life policy

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The Estate Bond

May 1, 2020Blog, Estate Planning, Investment, Life InsuranceMaclean Rowe

Growing your estate without undue market risk and taxes

Often we see older investors shift gears near retirement and beyond. Many become risk-averse 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.

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Protecting Investments for Your Heirs

April 2, 20202020 Only, Blog, Estate Planning, Investment, RetirementMaclean Rowe

Many investors over the age of 60 find themselves in a quandary regarding investments that they intend to leave to their heirs. The primary concern involves the desire to conserve the investments they are bequeathing while at the same time earning a reasonable rate of return. As we all know, the volatility of the equity markets can be cruel and this can be most detrimental when investments do not have time to recover after a downturn. As a result, many mature investors choose to accept low rates of return in order to avoid loss in the funds they wish to leave to family members.

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Segregated Funds for Estate Planning

February 1, 2020Blog, InvestmentMaclean Rowe

As we age and our thoughts turn to estate planning, Segregated Funds may present a valuable planning opportunity. As we progress through the stages of life our investment focus changes from growth to income to preservation. Usually, the expected rates of return reduce as we age, primarily because we have less time to make up for a loss and feel the need to be more conservative in our approach. Anyone who has retired shortly before or after a major market correction (or crash!) understands the impact volatility can have on their enjoyment of a comfortable retirement.

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Protecting Estate Values When Your Investments Decline

July 1, 2019Blog, Estate Planning, InvestmentMaclean Rowe

The total net value of your estate represents what you will leave to your family when you die. After paying off any liabilities, taxes arising at death, last expenses etc., what is left over is what your family will use to maintain the lifestyle that you created for them.

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Optimizing Wealth Through Asset Re-Allocation

November 1, 2018Blog, Investment, RRSP, tax, Tax Free Savings AccountMaclean Rowe

If you are an active investor, your investment holdings probably include many different asset classes. For many investors, diversification is a very important part of the wealth accumulation process to help manage risk and reduce volatility. Your investment portfolio might include stocks, bonds, equity funds, real estate and commodities. All these investment assets share a common characteristic – their yield is exposed to tax. From a taxation standpoint, investment assets fall into the following categories…

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Why an advisor makes a difference in net returns over DIY investors

April 1, 2018Blog, Business Owners, individuals, InvestmentMaclean Rowe

It’s a common question in recent times, especially in an age when technology and algorithms can make decisions at a fraction of the cost. Is it worth it to hire a financial advisor? Or is it better to save the fees and go for a DIY strategy?
It depends who you ask but there are many – often not so obvious – factors that could make a difference to your net returns when putting your trust in a financial advisor.

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2018 Federal Budget Highlights for Business

March 4, 2018Blog, Business Owners, corporate, Investment, taxMaclean Rowe

The government’s 2018 federal budget focuses on a number of tax tightening measures for business owners. It introduces a new regime for holding passive investments inside a Canadian Controlled Private Corporation (CCPC). (Previously proposed in July 2017.)

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Recent Posts

  • A Lifetime Gift for Your Grandchildren The Cascading Life Insurance Strategy
  • 1 in 3 Canadians Will Become Disabled Before the Age of 65
  • Get Your Corporate Dollars Doing Double Duty
  • Why you should buy mortgage insurance through your life insurance advisor
  • Having Your Cake and Eating it Too

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Contact Us

Gaire Maclean, CFP, CLU
Certified Financial Planner and Chartered Life Underwriter

Tel: (604) 683-2044 
Fax: 604 689 2801 
Email: gaire@macleanrowefinancial.com

Tannis Rowe, BA, CFP, CLU
Certified Financial Planner and Chartered Life Underwriter

Tel: (604) 683-2044 
Fax: 604 689 2801 
Email: tannis@macleanrowefinancial.com

#1810 – 1075 West Georgia Street
Vancouver, British Columbia
V6E 3C9

info@macleanrowefinancial.com

Latest Posts

  • A Lifetime Gift for Your Grandchildren The Cascading Life Insurance Strategy
  • 1 in 3 Canadians Will Become Disabled Before the Age of 65
  • Get Your Corporate Dollars Doing Double Duty
  • Why you should buy mortgage insurance through your life insurance advisor
  • Having Your Cake and Eating it Too

About

MacLean Rowe Financial’s boutique approach to financial advice affords clients with the individual attention they deserve to achieve their goals and objectives.
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