Goals-based investing suggested as replacement to advisers’ traditional approach

Goals-based investing suggested as replacement to advisers’ traditional approach

A new concept is sweeping the global investment community. It’s called goals-based portfolio management. The concept, which applies to the average investor, was discussed at a conference held in April this year at Princeton University, attended by investment professionals and almost 150 academics from around the world. The impact of this concept was evident inContinue Reading

ASC to investors: Stay away from Bristol Financial.

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ASC to investors: Stay away from Bristol Financial CALGARY – August 3, 2016 – The Alberta Securities Commission (ASC) is warning Alberta investors to exercise caution if solicited by Bristol Financial (Offshore) LLC (Bristol), a purported investment firm with offices in New York, NY and Luxembourg, Belgium. To date, Alberta investors have reported investing moreContinue Reading

Ethical investment is on the rise.

Ethical investment is on the rise.

Socially Responsible Investing (SRI) continues its transition into the mainstream and SRI solutions are enjoying the increased profile and demand that comes with mass market awareness. Never has the investing public been more conscious of environmental challenges, their socio-economic implications and how individual financial decisions can impact environmental outcomes. Investing ethically might not be aContinue Reading

Changes to permanent life insurance exempt test rules coming:

Changes to permanent life insurance exempt test rules coming:

With lower allowable contribution limits to Tax-Free Savings Accounts and higher tax rates, Canadians may be looking for new ways to shelter their money. An alternative is through permanent exempt life insurance policies, but they better move quickly because of new rules coming into effect January 1, 2017. The last time tax rules on lifeContinue Reading

Brexit: U.K. votes to leave, what’s next?

Brexit: U.K. votes to leave, what’s next?

Against the polls and against the sentiment of the financial markets, Britain’s historic vote to leave the European Union has had an immediate, and significant impact on global markets. Britain voted to leave the European Union by a margin of 52%/48%. Financial markets, and in particular the British pound, were quick to react. The BritishContinue Reading

8 Creditor Proofing Strategies for Business Owners

8 Creditor Proofing Strategies for Business Owners

Whether they’re established business owners or just starting out, it’s important that Ardent Wealth  business-owner clients regularly review their creditor protection strategies I have always been fascinated how many times I have met very smart and successful business owners who have neglected to put in place strategies that creditor proof what they have spend aContinue Reading

Have U.S. Ties, Beware of FACTA

Have U.S. Ties, Beware of FACTA

American taxpayers must file annual tax returns on worldwide income and disclose their accounts or other interests in foreign entities held outside of U.S. The U.S. differs from Canada in that tax reporting is required based on citizenship rather than on residency. An estimated seven million Americans live or work abroad, with about 1 million in Canada.Continue Reading