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Fresh insights from our Professional Wealth Advisors.
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Partnership with Quintessence Wealth

A Major Shift with Great Things Ahead

Is Friday the 13th a frightening day? Not to us. On this particular one we announce a major shift … not frightening at all, in fact, very exciting. A harbinger of great things ahead.
Today is the day we officially partner with Quintessence Wealth. A new engine in behind our company.
A Whole Host of Advantages
A shift to this new model brings us a whole host of advantages. Gone are the higher costs of a traditional investment dealership relationship. Gone is […]

year-end investing

Year-End Financial Housekeeping, Buffett Style

As we approach the final months of the year, why not derive inspiration from one of the greatest investors of our time? Here are a few quotes from renowned investment guru, Warren Buffett, throughout this article.  
Get ahead with your retirement savings
While a pandemic has consumed most of our attention for the past 10 months and for the foreseeable future, don’t let that dissuade you from continuing to build your portfolio for your goals. Have you maxed out your tax-advantaged accounts? Consider contributing to your Tax-Free […]


A Closer Look at Market Performance: The Major Indices

Those of us who follow the markets on a regular basis have watched as the major indices have climbed from their lows in March of this year. What has driven this performance?
S&P/TSX Composite Index Performance

The S&P/TSX Composite Index has traditionally been dominated by the financial and resource sectors, both of which have been impacted by the pandemic. The financial sector has struggled with credit losses and the energy sector has been plagued by falling oil prices due to the […]


What Comes After a Trillion?

In the effort to combat the pandemic, the sheer amount of stimulus pledged by governments globally has been staggering. In July, then Finance Minister Bill Morneau delivered Canada’s economic update, which replaced the regular spring budget. It was an economic tally of the measures taken to date. The 2020-21 deficit is expected to be $343.2 billion, largely attributed to pandemic relief programs.1 

After a Bear Market, what happens?

What Happens After a Bear Market?

We have encountered many new situations in response to COVID-19 — isolation, physical distancing, economic closures globally, and others — that have created uncertainties for the short term. Doomsayers cite these factors, and others, to suggest that this time is different and the current economic downturn will somehow last forever. However, economic cycles go up as well as down.
Equity markets are also cyclical. Bear markets happen from time to time. Yet, even in the worst situations, equity markets have […]

RRIF Withdrawal changes in 2020

2020 Changes to RRIF Withdrawal Factors

Back in March, the Federal Government reduced the 2020 minimum withdrawal amounts for Registered Retirement Income Funds (RRIFs) by 25 percent “in recognition of volatile market conditions and their impact on many seniors’ retirement savings.”1
As a reminder, the RRIF withdrawal factors are based on age. If you were 71 at the beginning of the year, under the existing rules you would be required to withdraw 5.28 percent of your RRIF in the year. For a RRIF with a value […]

Scientists and Health Professionals study COVID-19

It’s Not Just About the Antibodies

Through many conversations with different individuals we’ve heard more than once that people feel they had, and lived through, COVID-19, stating it’s the worst they’ve ever felt. Some have, and some haven’t been tested, and it makes you wonder if COVID-19 was here earlier than we thought. Some research states that we build antibodies that help fight off the disease, but these antibodies only last for a certain period, leaving people susceptible to contracting the disease again later in time.
As we continue to get barraged with negative news […]

Benefits of Dollar-cost averaging

Consider the Benefits of Dollar-Cost Averaging

As we have seen with recent equity market reactions, short-term price movements are often unpredictable and nobody can be certain when the next upturn will begin. Such turns can occur when the outlook is bleak and the natural inclination may be to sell, not buy. In hindsight, all down markets look like buying opportunities. But in the moment, it’s not always easy to commit money to an investment that has gone down in price, particularly in a bear market.
Those investors who […]