We Pinch Ourselves—No More City Apartment—Baby on the Way!

In the late spring of 2016, my wife Lindsay and I were in our beautiful apartment near Granville Island in Vancouver deciding how we would renovate our single bedroom loft and turn it into a two bedroom apartment. I had grown up in Tsawwassen and had experienced many years of commuting into Vancouver and I had made a promise to myself that I would never commute again. The problem with this promise was that it meant we were going […]

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The Leap of Faith That Changed Our Lives

Moving to Vancouver Island from Metro Vancouver
My husband and I had grown all our roots in the Lower Mainland and were fortunate enough to enter the real estate market 10 years ago. After moving and flipping our house every 2-3 years we really wanted to settle down and become part of a community. We had realized that our community in Cloverdale wasn’t where we wanted our kids to be raised in; we were spending more time at work and […]

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estate planning parksville

Spring Clean your Estate Plan

As human beings one of our favourite subjects to talk about is estate planning, said no one ever. We tend to avoid this subject like the plague, when we intuitively know that the chances of us dying is approximately 100%.
Estate planning is actually not that complicated and when an effective plan is put in place, one feels a tremendous sense of relief! So what are the components of a well-structured estate plan?
Correct asset structure
A couple should always make sure […]

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Will Budget Changes Affect You? In Brief: Federal Budget 2018

On February 27, the third Federal Budget of the Liberal government was released.* The Budget anticipates a deficit of $18.1 billion for 2018-19 and no timetable to balance the books. Consistent with previous years, the themes of this Budget focus on innovation, gender equality — including the introduction of a new Employment Insurance Parental Sharing Benefit — tax fairness and integrity.
From a personal and small business tax perspective, the Budget did not propose any changes to personal or corporate […]

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Cash Flow is Money in Motion

I recall a moment years ago, sitting with my brother-in-law, when his son entered the room and said “dad, I need some flow”. Dad calmly pulled out his wallet and handed over a $20. Cash flow in action. Positive for one individual, negative for the other. I know which end of this equation I prefer – my father would have turned the garden hose on me as that was his idea of ‘flow’ when I asked a similar version […]

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