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5 days ago
Optimism #45 - May 16, 2022
There is a good article this morning’s Globe and Mail about our Canadian banks being undervalued and likely to increase dividends again during this calendar year. See attached.
May 9, 2022
Studying the market pays off for savvy couple with 12% gains and 'bulletproof retirement strategy
Leo and Rose have spent many years studying capital markets and have achieved an astonishing 12.4 per cent average growth rate with investments, almost entirely in North American stocks they have researched and follow closely.
Apr 27, 2022
Optimism #44 - April 27, 2022
Markets are down a bit in the last few days but it’s rebounding nicely this morning. We have had an exceptional run and it will go on to new highs again soon enough.
Apr 8, 2022
This Ontario woman should use her cash to get her mortgage under control heading into retirement
Ella is worried about the impact of interest rate increases on her mortgage payments
Mar 25, 2022
Commuting her pension could let this Ottawa civil servant have her cake and eat it, too. But is it worth the risk?
Lucille wants to retire next year, at age 49, and she is considering taking the commuted value of her pension.
Mar 16, 2022
Optimism #43 - March 16, 2022
It’s been a challenging few weeks. I am tempted to grab the generous gains of the past two years and put the money under the mattress for a rainy day.
Mar 4, 2022
This Ontario woman may need to downsize, work part-time to meet her retirement goals
The first step for Amy is to improve her tax efficiency, expert says
Mar 4, 2022
Optimism #42 - March 4, 2022
There are many of good things to report amidst the horror of Ukraine and Russia. Our thoughts go out to anyone with friends or family in war-stricken areas.
Feb 22, 2022
This Ontario woman should shed real estate and debt to meet her retirement income goal
Her goal is $60,000 after tax, which in Ontario would require $75,000 in pre-tax income. This plan will help her get there
Feb 22, 2022
Optimism #41 - February 18, 2022
TC Energy raised its dividend this week by 3.4%. We received a pay raise without even working. Tesla’s price has fallen considerably, from about 1230 in early November to 876 as I type. It now trades for 188 years worth of current earnings.
Feb 11, 2022
This B.C. couple should ditch their $1-million rental and invest in dividend stocks to boost retirement cash flow
They will take in nearly four times the property’s current income a year if they sell and invest the proceeds in dividend stocks
Feb 10, 2022
Optimism #40 - Feb 10, 2022
I continue to see reasons to be happy and optimistic about the future. There were recent dividend increases in these Canadian companies which are always a good sign for investors and for our economy.
Jan 28, 2022
This thirtysomething couple with $390,000 in net worth has decades to save
Far from retirement at what they think might be age 60, they need to include a lot of wiggle room in their financial plan
Jan 27, 2022
Optimism #39 - January 26, 2022
The rental situation caused all kinds of interesting feedback and more questions.
Jan 21, 2022
Spectre of inflation adds to early retirement risk for this young B.C. couple
A couple we’ll call Tom and Charlene, both 40, live in B.C. with their seven-year-old son Sam. They bring home $13,179 per month from their jobs in high tech plus additional income from a rental property.
Jan 20, 2022
Optimism #38 - January 20, 2022
Hopefully the media is correct and this pandemic thing is nearly over. I continue to see many dividend increases and insiders buying shares of their own company shares. Its always a good sign. There are too many to mention this week.
Jan 10, 2022
Optimism #37 - January 7, 2022
Happy New year! As you probably know, we (non US Citizens) are permitted to add $6,000 to your TFSA account for 2022. I am happy to discuss at your request.
Dec 30, 2021
Pensions and cash from a cottage sale put this Ontario couple's retirement on solid ground
They will far exceed their goals and expectations,' expert says
Dec 10, 2021
This Ontario couple wants to retire in Greece, but would be wise to take the move slowly
The move would be practical as some costs of living are low in Greece, but complex given differences in tax systems
Dec 8, 2021
Optimism #36 - December 8, 2021
Happy December. We have much to be grateful for. Each and every one of you will get a pay raise starting in January 2022.
Nov 29, 2021
Job risk and illness complicate this Alberta couple's retirement outlook
Larry and Jessica have no choice but to accept the process of reduced global dependence on oil, but they have the resources to retire with financial security
Nov 16, 2021
Optimism #35 - November 16, 2021
This might be the most interesting, or maybe relevant article I have shared.
Oct 26, 2021
This couple is so meticulous in their planning, they're even thinking about their cats' future
Their frugal ways will protect their financial future,' expert says
Oct 20, 2021
Optimism #34 - October 20, 2021
Quarterly statements are out soon and I am sure you will be pleased. It has been a wonderful 18 month run and company’s prices may have gotten a bit ahead of their earnings, so it’s a good time to be talking with your Portfolio Manager about rebalancing to your target asset mix.
Oct 15, 2021
B.C. couple considers commuting their pensions, but managing money comes with big risks
Rather than commute pensions, they could close the gap by spending some of their $256,000 in RRSPs
Oct 1, 2021
Move to Calgary would cut this frugal Yukon couple's expenses even further in retirement
Two-defined benefit pensions, no debt and savings add to their security
Sep 20, 2021
This Ontario couple has nearly $4 million in assets, but the real-estate heavy mix needs to change
They have four rentals, with a present value of $2.29 million, yielding a 3 per cent return. Sell the rentals, expert advises
Sep 16, 2021
Optimism #33 - September 15, 2021
On August 30th, Brian Belski, Chief Economist at BMO has for a second year in a row, hiked his year end 2021 price target for Canada’s stock market.
Sep 13, 2021
This Alberta couple wants a bigger house — but will they have to sacrifice their retirement to get it?
Couple would have to draw on savings for the move up, but their retirement would be amply supported by pensions
Aug 24, 2021
Optimism #32 - August 24, 2021
Here in the Okanagan, it’s starting rain, smoke is clearing and life is getting back to normal. My favourite month, September, is almost here.
Aug 16, 2021
For this Ontario woman, family considerations may tilt the balance of important financial decisions
If Ravenna continues to reject equity returns and keeps her savings in low-yield bank deposits, her future will be bleak. But, adding to her equity investments would provide liquidity and asset growth
Jul 23, 2021
B.C. couple want to leave a $2-million legacy to their daughter, but they need to get retirement finances sorted first
Their portfolio of many investment funds and real estate adds complexity and management risk to their expectations
Jul 15, 2021
Husband lost job, wife eager to retire: How this one-income couple can say goodbye to the grind
Their problem is not adequacy of retirement resources. Rather, it is bridging the time to when their pension benefits begin.
Jul 6, 2021
OPTIMISM #31 - July 6, 2021
I took the wording below from an investment newsletter called The Investment Reporter. The author is referring to dividend paying / growing stocks and says:
Jul 2, 2021
This B.C. woman with $5.8 million in assets can lock in a lavish retirement — if she sells her home
A woman we’ll call Lucy, 68, lives in B.C. Retired, she had $90,680 gross income in 2020 and $5,735,700 in total assets...
Jun 18, 2021
This Ontario woman is asset rich, but needs more income to weather a long retirement
A family history of longevity has Sylvia fearing she will spend her assets too quickly and run out of money in late life
Jun 18, 2021
OPTIMISM #30 - June 16, 2021
As the market gets closer to fairly valued, there is little to chat about. A flurry of dividends landed in our accounts at the end of May and beginning of June. Being paid without working is fun.
Jun 1, 2021
OPTIMISM #29 - June 1, 2021
Stock prices continue to climb on more good news. My Canada bias is shining, as are your dividends and overall returns.
May 31, 2021
Buying a home is better than renting for this Saskatchewan woman and her dog, Fred
Buying a home is better than renting for this Saskatchewan woman and her dog, Fred
May 20, 2021
This Ontario woman needs to shed her unproductive Montreal rental and invest for retirement
Judy’s portfolio is heavy on real estate and light on financial assets
May 14, 2021
OPTIMISM #28 - May 14th 2021
There are many positive & interesting things recently happening worth noting. Those over age 75 receiving OAS pension will get a one-time bonus payment of $500 plus a boost of 10% overall, bringing the maximum from $7,384 per year to $8,122 or $677 per month.
May 14, 2021
A military pension provides bulletproof financial security for Ontario couple
Couple will exceed retirement target of $100,000 a year, but first they have to untangle all their pensions
Apr 22, 2021
OPTIMISM #27 - April 22nd, 2021
Financial planning is a puzzle. Some of the of pieces fell out of the box and are missing. Others are blank. We have to colour them in ourselves.
Apr 20, 2021
Putting their $580,000 in cash to work is key to this Alberta couple's retirement
Because they have no debts, they can accumulate more savings, which can bloom as productive investments
Apr 14, 2021
OPTIMISM #26 - April 13th, 2021
Dividend increases are mainly slow but steady these days. Companies are cautiously making increases, but wary of future risks as well as consumer optics of doing ‘too well’ in Covid times.
Apr 9, 2021
This Alberta couple wants to spend on some big ticket items — can they retire now or should they wait?
They're flush with savings, but will need to boost income to cover the $95,000 they want to spend on a reno, wedding gifts and a new car.
Apr 7, 2021
COVID-19 crunched this family's finances, but solid savings and a pension will see them through
Chris and Adele will be able to stretch their income to buy a $300,000 condo in Portugal, too
Mar 26, 2021
B.C. couple has done everything right financially, but these tweaks will make retirement even more comfortable
They've built up $422,000 in savings and cash, but they can still boost savings and open TFSAs
Mar 19, 2021
OPTIMISM #25 - March 19, 2021
he Canadian market is flat today, but our portfolios are up. It’s been like this quite a few days in the past month. The culprit… Shopify.
Mar 19, 2021
Smart saving has this couple who came to Canada 30 years ago headed for a sound retirement
Tax and investment strategies could raise their retirement security even further
Mar 1, 2021
Taking the nearly $700K commuted value of his pension could boost this former teacher's retirement options
It means more investment risk, but it also means flexibility and the potential for greater income
Feb 25, 2021
OPTIMISM #25 - February 24, 2021
It’s your birthday. I know, not really, but when you see your most recent statements, you will know what I mean.
Feb 11, 2021
OPTIMISM #24 - February 11, 2021
There is much to be optimistic about these days. Cardinal Capital’s CIO Evan Mancer expects value-oriented portfolios to go 15% higher this year. (that’s us)
Dec 21, 2020
OPTIMISM #23 - December 21, 2020
Finally. The days start to get longer again. Or … the biggest night of the year! Good either way. Its nice to see more recent dividend increases:
Dec 8, 2020
OPTIMISM #22 - December 8, 2020
I was thinking it would be a good idea for us to write ourselves a letter. With special instructions to open when the next market correction happens.
Nov 23, 2020
OPTIMISM #21 - November 23, 2020
Not much need to be optimistic as the rebound in share prices is doing it for us. I believe there is much more upside in banks, pipeline and telco shares among others.
Nov 9, 2020
OPTIMISM #20 - November 9, 2020
What a day. You are being rewarded for your patience. The Canadian broad market (TSX) is up 1.19%. My dividend stocks are up 4.42%
Oct 27, 2020
OPTIMISM #19 - October 27, 2020
Which month is statistically the best in the stock market? If you said December, you are correct.
Oct 15, 2020
OPTIMISM #17 - October 15, 2020
Super article in the Globe today about Sherry Cooper, the former BMO Economist. Her attitude towards investing mirrors ours. Here is the link...
Sep 29, 2020
OPTIMISM #16 - September 29, 2020
I chopped the text below from a Norman Rothery column in the Globe and Mail last week called Making the Case for the sleepy approach to Dividend Investing.
Sep 23, 2020
OPTIMISM #15 - September 23, 2020
Markets look really ugly today, but upon closer examination the pain is focussed on energy, marijuana and Shopify stocks. Damage is generally minimal in our not so boring dividend payers and others such as CN Rail and Canadian Tire are up nicely.
Sep 11, 2020
OPTIMISM #14 - September 11, 2020
Another great week. Many dark clouds in the media, but more positive stuff happening. 1. September 1st. CFO Larry Froom bought $100,000 of H&R REIT.
Aug 31, 2020
OPTIMISM #13 - August 31, 2020
It is the last day of August, now my favourite month starts. Weather is still beautiful, but Kelowna is quieter. Days are warm but nights are cool.
Aug 8, 2020
Optimism #11 - August 8th, 2020
The only newsworthy news I can see out there is that Joe Biden may have chosen a running mate and we may be closer to finding a vaccine.
Jul 30, 2020
OPTIMISM #10 - July 30th, 2020
I have been searching for new signs of optimism and hope I don’t sound like a broken record. If you’ve known me for a while you know that I am generally a realist. My wife says I’m a pessimist.
Jul 3, 2020
OPTIMISM #9 - July 3, 2020
It’s been an interesting week or two since my last commentary. News has been positive. 1.The New York Times report Wall Street’s best quarter since 1998:
Jun 22, 2020
OPTIMISM #8 - June 22, 2020
Trends never seem to go in straight lines, but the general direction seems positive. I like this wording: “ …risk is more often in the price you pay rather than the company purchased.”
Jun 10, 2020
OPTIMISM #7 - June 10, 2020
I am sharing a funny story a client reminded me of. In late 2009 RBC stock (RY) was rising out of the ashes of the 08/09 crash from under 30$ per share.
Jun 3, 2020
OPTIMISM #6 - June 3, 2020
Reading the morning news, I find it ironic that there is very little to be optimistic about and yet it’s better than what’s on TV. However, if you look at share prices of our beloved dividend growth stocks, quite a different picture emerges.
Apr 30, 2020
OPTIMISM #5 - April 30, 2020
First of all, congratulations for not cracking under pressure, not selling when the prices fell. And cheers to those who bought more shares on sale.
Apr 14, 2020
OPTIMISM #4 - April 14, 2020
If you look closely, beyond the sensationally negative news channels, there are many signs of optimism. I like to watch what the people at the helm of Canada’s great companies are buying.
Apr 6, 2020
OPTIMISM #3 - April 6, 2020
Sometimes there is wisdom in denial. When your investment account statements arrive in the mail, consider not opening them. Maybe write ‘ do not open until September 30th on it, or something like that, and file it away.
Mar 31, 2020
OPTIMISM #2 - March 31, 2020
I hope this finds you and your families safe and healthy. I thought this was brilliant. From George Athanassakos, a York University professor of Value investing, in the Globe and Mail last weekend:
Mar 23, 2020
OPTIMISM #1 - March 23, 2020
After hearing too many times that ‘circuits are busy’ and my call cannot go through, I am back to email. I have to admit, I did not predict stock prices would drop this much. I bought more on Friday, now wishing I had waited.
Feb 22, 2019
This Five-Star Retirement Plan Comes with a $100,000 Home Renovation and Lots Left Over for Peace of Mind
Derek Moran RFP of Smarter Financial Planning Ltd., discusses home renovations incorporated into retirement plans.
Feb 22, 2019
Woman Juggling $500,000 in Debts, Less than $200,000 Net Worth Fears She's Doomed to Bleak Retirement
Derek Moran RFP, Smarter Financial Planning Ltd., discusses managing retirement despite large debt.
Feb 22, 2019
A Divorce Behind Him and No Company Pension, 50-Something Father has to Finance Own Retirement
Derek Moran RFP of Smarter Financial Planning Ltd., discusses a divorced man plans for self funded retirement.
Feb 22, 2019
With $2.8 Million in Assets, Biggest Question Surrounding this Couple's Retirement is When can it Start
Derek Moran RFP of Smerter Financial Planning discusses when this couple with ample assets can begin retirement
Feb 22, 2019
Living Dangerously: 36-year-old Hopes High-Risk Job Pays Off in Early Retirement
Derek Moran discusses Jack's remaining in a dangerous job to obtain early retirement.
Feb 22, 2019
Help! I Need a Second Opinion on My Portfolio
The Globe and Mail discusses with Derek Moran RFP options to get secondary opinions on investment portfolio management
Feb 21, 2019
Urgent Cost Cutting Needed to Keep Family with Net Worth of Only $139,791 Afloat as Retirement Nears
Derek Moran RFP Smarter Financial Planning Ltd., discusses cost cutting.
Feb 21, 2019
This Ontario Couple is Riding Rental Cash Flow to a Five-Star Retirement
Derek Moran discusses incorporating rental cash into retirement planning.
Feb 21, 2019
With Six-Figure Income and Growing Savings, this Couple Still Worries Their Future is Bleak
Derek Moran RFP Smarter Financial Planning discusses challenges for retirement despite a six figure income
Feb 21, 2019
‘A lifetime of Careful Planning’ Means Couple with Medical Issues Still on Track for Solid Retirement
Derek Moran RFP discusses careful planning for staying on track for retirement.
Feb 21, 2019
The 'Bulletproof' Retirement Plan: Why this Alberta Man can Stop Worrying About Losing his Job
Derek Moran of smarter Financial Planning discusses retirement with this Albertan worker.
Apr 15, 2018
Holding Off on CPP the Key
Derek Moran, RFP of Smarter Financial Planning LTD., discusses a plan of holding off on CPP payments to improve a retirement plan.
Apr 15, 2018
After Losing Everything in Fort McMurray Fires, Engineer Mulls His Readiness to Retire — Maybe to Far North
Derek Moran discusses retirement plan with a Fort McMurray fire victim in The Financial Post.
Apr 15, 2018
In Mid-60s and Mired in Debt, Couple Needs Balance-Sheet Fix
Derek Moran discusses working longer in life to enable retirement plans.
Apr 15, 2018
‘It's a Real Crapshoot’: Woman with Serious Illness Needs a Financial Plan for the Best — and Worst — of Outcomes
Derek Moran discusses a financial plan with a woman suffering from a serious illness preparing for all possible outcomes.
Apr 15, 2018
'A Case of Career Interrupted': Hit with a Layoff, Couple's Reno Plans and Travel Dreams Looking Iffy
Derek Moran RFP discusses a couple that lives below their means, enabling them to weather the storm of a job loss in their retirement strategy.
Apr 15, 2018
Retirement Plan Adds Up for this Single B.C. Woman, but New House not Part of the Equation
Derek Moran discusses if this townhouse owner can upgrade to a detached home and still have a solid plan for retirement.
Apr 15, 2018
Trade-Offs Abound as Woman Must Raise Funds to Pay Down Mortgage
Derek Moran discusses RRSP withdrawals and paying down a mortgage to build a portfolio.
Apr 15, 2018
Harvesting Cash From Rental Properties, Small Business, Key to B.C. Pair's Five-Year Plan
Derek Moran discusses harvesting cash from rental properties while assisting this couple to meet retirement goals.
Apr 15, 2018
Couple with Solid Incomes, Pensions Need to Clear Out Debt if They Want to Retire at 59
Derek Moran RFP of Smarter Financial Planning Ltd., Kelowna BC discusses clearing debt for this couples plan to retire by age 59.
Apr 15, 2018
When You have Eight Kids, Can You Ever Retire? This Couple Can — and Before 65, Too
Derek Moran, Kelowna financial Planner, discusses retiring while still raising kids at home.
Feb 23, 2015
Would Pricing Items in Terms of Hours Worked Change How You Shop?
Derek discusses the merit of an interesting tool that makes people think, before they spend...
Jan 9, 2015
9 Things New Graduates Need to do Now
Considerations for new graduates.
Jan 9, 2015
The Financial Plan: Your Can't-Lose Retirement Investment
Rob Carrick discusses the importance and value of a proper financial plan, and outlines some typical costs.
Jul 13, 2014
How To Avoid the Danger of Hidden Fund Fees
Derek Moran discusses a plan to avoid being penalized by hidden fees.
Aug 20, 2013
How to Stop Falling Behind
Derek Moran discusses a financial plan for a single woman with debts that consume half of her income.
Aug 20, 2013
Teens: How to Spend the Money From Your Summer Job
Gail Johnson discusses how teens can define themselves, their goals, and use these definitions to plan their own finances.
Aug 20, 2013
Majority of Retired Canadians in Debt: Poll
Gail Johnson discusses Canadian retirees in debt, in this Yahoo Finance article.
Mar 21, 2013
I Fired My Advisor
Margaret MacGillivray explains her husbands passing lead her to seek a new money manager three time zones away.
Mar 26, 2012
Can They Afford a Gulf Island Home and a Condo?
Derek Moran, R.F.P. discusses the viability of a condominium purchase while keeping a main residence, and planning for the future
Mar 26, 2012
Is it time for that Aston Martin?
Derek Moran, R.F.P. and president of Smarter Financial Planning discusses a coules' decision whether to buy a luxury car or not, in this Financial Post article by Andrew Allentuck.
Mar 26, 2012
Can She Afford a To-Die-For Kitchen?
Derek Moran, R.F.P. discusses whether this couple can afford the luxurious kitchen renovation they would love to have, based on their financial planning for retirement.
Mar 12, 2012
Investor Clinic: My Advisor is Demanding a Big Fee Increase, What Should I Do?
Financial Planner Derek Moran R.F.P. of Smarter financial Planning Ltd. discusses an increase in advisor fees with this client's situation in Investor Clinic: The Globe and Mail.
Mar 12, 2012
RRSP or RESP: Canadian Parents Forced to Make Tough Choice
Derek Moran, R.F.P. of Smarter Financial Planning discusses choices between RESP and RRSP for a Canadian family in this Yahoo Finance article
Mar 7, 2011
The Reverse Mortgage Quandary
Oct 18, 2010
Overcoming The Stress of Investing an Inheritance
An intersting article republished (c) 2010 The Globe and Mail on investing an inheritance.
Oct 18, 2010
An Inheritance Plan, and a Feeling of Relief
Derek Moran, Financial Planner from Smarter Financial Planning Ltd., Kelowna BC Canada discusses investing an inheritance wisely.
Sep 19, 2010
Training for Advisers Just isn't Good Enough
Preet Banerjee of the Globe and Mail discusses the inadequate regulation on commission based financial planners.
Apr 5, 2010
Teaching Money Sense
(c) 2010 Tara Perkins - An excellent article about teaching money sense to children by Tara Perkins, Globe and Mail
Apr 5, 2010
A Safe Environment
Derek Moran discusses a very safe environment - private investment counsels: specialize in the discretionary management of portfolios for high-net-worth individuals, estates, foundations, pensions and endowments.
Apr 5, 2010
Balancing Worthy Causes
Derek Moran advises family to boost education savings, enhance retirement funds, cut portfolio risk:to have less for themselves and to give more to others.
Feb 10, 2010
U.S. Opportunity Knocking?
An interesting article - video link to a discussion on opportunity for U.S. housing investments with a strong Canadian dollar.
Feb 10, 2010
Too Much Risky Debt Threatens Retirement
Derek Moran discusses how debt imperils a family with a six figure income and modest financial assets in Facelift by Anrew Allentuck, The Globe and Mail
Feb 10, 2010
Making the Most of Savings Income
Derek Moran discusses maximizing savings income in this Facelift article - Andrew Allentuck - The Globe and Mail.
Feb 8, 2010
Family Has Dilemma of Too Many Options
Derek Moran of Smarter Financial Planning discusses a couples plan to buy a larger house and put more into RESPS to achieve their financial planning goals - The Globe and Mail
Feb 8, 2010
Nice Life, Too Bad About the Price
Derek Moran discusses balancing a high cost of living due to living in seperate parts of the world - with retirement in Facelift, The Globe and Mail
Feb 8, 2010
Caught Between Kids and Retirement
Derek Moran discusses with Facelift editor Andrew Allentuck a couples struggle between balancing their finances between their children and retirement, Globe and Mail
Feb 8, 2010
Young with a Bright Fiscal Future
Derek Moran discusses balancing further education with financial planning for the future in Andrew Allentuck's Facelift, Globe and Mail
Feb 8, 2010
Payments Under Scrutiny
Smarter Financial Planning reprint of article found in and copyright (c) 2009 Investment Executive
Oct 12, 2009
Mortgages as an Investment
Derek Moran discusses how often by paying off a mortgage, you are making a wise investment based on reducing risk and capitalizing on current low interest rates.
Oct 12, 2009
How To Avoid These 7 Deadly Sins
Investment strategy article discusses 7 key mistakes common to financial planning strategies.
Oct 12, 2009
Juggling Travel and a Savings Plan
Saving for future spending should be less of a goal than reducing their total debts, says Derek Moran, R.F.P.
Oct 12, 2009
Couple Drowning in Real Estate Debt
Real Estate Debt forces couple to realize their debt load is too high for their income: Derek Moran, R.F.P discusses a solution.
Aug 16, 2009
A Growing Family in Need of Discipline
Derek Moran, Financial Advisor to The Globe and Mail discusses a financial plan for a growing family.
Aug 16, 2009
Frugality Now - Security Later
Frugality and Security - Derek Moran R.F.P. and financial advisor to The Globe and Mail discusses a woman's plan to save for retirement.
Aug 16, 2009
Doctor Needs Estate Planning Prescription
Derek Moran, R.F.P. and advisor to The Globe and Mail discusses a financial plan for a doctor and his wife.
Jul 25, 2009
Renting a Good Plan for Globetrotters
Derek Moran, Advisor to the Globe and Mail discusses how sometime renting actually can make more sense than buying when laying out a financial plan.
Jun 28, 2009
Rebuilding Finances in Remarriage
Financial Planner Derek Moran advisor to The Globe and Mail newspaper discusses rebuilding a financial plan after remarraige.
Jun 28, 2009
Renting Will Provide Nurse a Ticket to Travel
Renting sometimes is a wise financial plan, as discussed by Derek Moran, financial advisor to The Globe and Mail
Jun 1, 2009
Working From Home? Think Deductions
An interesting article from the Globe and Mail discussing home office tax deductions.
Jun 1, 2009
Divorcée Has Time To Fix Her Finances
Divorce and financial planning - Derek Moran, R.F.P. of Smarter Financial Planning discusses options for a divorcee.
May 23, 2009
Time is Right for Home Ownership
Derek Moran RFP discusses affording a home and considering a purchase using RRSPs for a down payment, savings for lowering the principle.
May 13, 2009
Green Living Doesn't Have To Mean Red Ink
Living green does not mean you cannot own a home or have a poor retirement, according to Derek Moran, Financial Planner and Advisor to The Globe and Mail
May 13, 2009
Late Start On Retirement Planning
Late start retirement is still possible.. Derek Moran, Financial Planner and Advisor to The Globe and Mail discusses this couples options.
May 13, 2009
Big-house Dream Comes With Big Debt
A big home purchase can also mean big debt... Derek Moran of Smarter Financial Planning discusses this paradigm.
May 13, 2009
Rebalancing for the Beneficiaries
Derek Moran, Financial Planner and Advisor to the Globe and Mail discusses taxation on non-registered assets.
Apr 12, 2009
Laying A Foundation For First House
Apr 12, 2009
Son Didn't See This Coming
Son Didn't See This Coming: Second Opinion - The Daily Courier Newspaper - Derek Moran, B.A., RFP discusses a family financial plan.
Apr 12, 2009
Toss the Exotic Funds and Rebalance
Financial Planning advice by Derek Moran of Smarter Financial Planning Ltd., regarding getting rid of exotic mutual funds.
Mar 10, 2009
Transforming Assets Into Retirement Travel
Financial Planning expert Derek Moran discusses transforming an investment portfolio in order to facilitate retirement travel.
Mar 10, 2009
Toss the Exotic Funds and Rebalance
Derek Moran advises couple to minimize excessive risk in their portfolio due to lack of diversification.
Feb 13, 2009
When You're Spending More Than You're Earning
A couple living from one pay cheque to another gets advice on how to manage their money. Derek Moran of Smarter Financial Planning LTD answers their questions.
Feb 7, 2009
A Secure Life After Work Takes Planning
Andrew Allentuck and Derek Moran discuss after work life financial planning in this Cosco publication
Feb 7, 2009
A Longer Mortgage Provides a Timely Solution
Couple worries expenses which exceed monthly income will cripple them - Derek Moran CFP advises them on their situation.
Feb 7, 2009
A Big Plan to Realize a Small Town Dream
Middle managers in corporate world prepared to cash in gross incomes - Derek Moran CFP discusses financial planning.
Nov 15, 2008
A Secure Retirement? It Isn't Rocket Science
Derek Moran of Smarter Financial Planning LTD gives advice on smart retirement.
Nov 15, 2008
Couple Want the High Life - But First Cut the Debt
Derek Moran of Smarter Financial Planning LTD gives couple advice on cutting debt before expanding way of life.
Oct 1, 2008
Unaffordable House Pushes Couple Toward Insolvency
Couple is advised by Derek Moran to sell their house and buy something more affordable to improve their financial situation.
Oct 1, 2008
Cash-heavy Holdings Weigh on this Couple
A couple's anxieties appear to be based on the complexity of their income.
Oct 1, 2008
Young Couple Should Pay Off Big Student Loans
Reducing debt by paying off student loans is the best financial plan.
Oct 1, 2008
The Capital Gains Deduction Minefield
David Christianson discusses capital gains and exemptions.
Aug 27, 2008
Small Kids, Big Debts and a 17 Year Age Difference
Derek Moran, Financial Advisor to The Globe and Mail discusses a financial plan for a couple challenged by age difference and debt management.
Aug 24, 2008
Cash-strapped Couple Ponder Best Route to A Condo
Derek Moran of Smarter Financial Planning Ltd. advises young couple on RRSP home buyer's plan.
Aug 24, 2008
Trimming Expenses is Key for Middle Income Couple
Derek Moran from Smarter Financial Planning Ltd. discusses a middle income family's options to trim expenses, and save for retirement.
Aug 17, 2008
Stampede in Stocks and Bonds
Stocks and Bonds and their current validity - a financial planning article with contributions by Derek Moran as seen in the Globe and Mail.
Aug 17, 2008
Real Estate Prices Keep Couple Down
Financial Planner Derek Moran of Smarter Financial Planning Ltd., Kelowna, British Columbia, as featured in the Globe and Mail 23-09-06
Aug 17, 2008
Should Charity Begin at Home
Derek Moran, Financial Planner discusses balancing the cost of children and mortgages while planning for retirement and the future.
Aug 17, 2008
Sensible Couple Laying Right Path to Golden Years
Sensible couple laying right path to golden years. Managing a financial plan in downtown Toronto. Derek Moran, CFP, Advisor to the Globe and Mail.
Aug 17, 2008
Seafaring Couple Set Their Sites on Land
Financial Planning Article: Derek Moran's professional advice as seen in the Globe and Mail
Aug 17, 2008
Reaching the Peak
Derek Moran, financial advisor for the Globe and Mail discusses reaching goals for retirement.
Aug 17, 2008
Mortgages - Fixed Vs. Floating
Mortgages - Fixed vs Floating by Moshi A. Milevsky - used by permission, Derek Moran, Smarter Financial Planning
Smarter Financial Planning Ltd .
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