Term versus Permanent Insurance

  Insurance products and services are provided through Davison & Orser Financial Advisors. This material is provided for general information and is subject to change without notice. Every effort has been made to compile this material from reliable sources...

Working With Your Advisor During the Covid-19 Pandemic

While Covid-19 has stopped the world in its tracks and many Canadians are feeling the stress of volatile markets, job insecurity, or loss of income, the good news is: we are here to see you through these tough times.  Business might just look a little different!...

Trying to Decide Between TFSA or RRSP?

One of the most common investment questions Canadians ask themselves today is, “Which is better, TFSA or RRSP”? Here’s the good news – it doesn’t have to be an either or choice. Why not do both? Below are the features of both plans to help you...

Coronavirus Update

What is happening in the markets? The number of coronavirus cases outside of China recently spiked, triggering panic among investors and a drop in equity markets over the past several trading days. After setting all-time highs just last week, the S&P 500 Index...

Segregated Funds for Estate Planning

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...

Group Life Insurance – Only Part of The Solution

Ownership of individual life insurance at its lowest level in 30 years The Life Insurance and Market Research Association (LIMRA) 2013 study shines a light on a developing problem for Canadian households: Individual ownership of Life Insurance was at its lowest level...

Canada Pension Plan – Should You Take it Early?

The new rules governing CPP were introduced in 2012 and they take full effect in 2016. The earliest you can take your CPP Pension is age 60, the latest is 70. The standard question regarding CPP remains the same – should I take it early or wait? While you can...