Articles.

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.

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.

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.

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

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.

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.

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

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.

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

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.

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

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.

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

Optimism #39 - January 26, 2022

The rental situation caused all kinds of interesting feedback and more questions.

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.

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.

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.

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

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

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.

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

Optimism #35 - November 16, 2021

This might be the most interesting, or maybe relevant article I have shared.

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

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.

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

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

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

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.

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

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.

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

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

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.

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:

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...

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

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.

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.

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

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

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.

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

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.

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

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.

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.

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

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

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.

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

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

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.

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)

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:

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.

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.

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%

OPTIMISM #19 - October 27, 2020

Which month is statistically the best in the stock market? If you said December, you are correct.

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...

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.

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.

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.

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.

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.

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.

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:

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.”

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.

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.

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.

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.

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.

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:

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.

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.

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.

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.

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

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.

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

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.

This Ontario Couple is Riding Rental Cash Flow to a Five-Star Retirement

Derek Moran discusses incorporating rental cash into retirement planning.

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

‘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.

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.

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.

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.

In Mid-60s and Mired in Debt, Couple Needs Balance-Sheet Fix

Derek Moran discusses working longer in life to enable retirement plans.

‘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.

'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.

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.

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.

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.

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.

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.

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...

9 Things New Graduates Need to do Now

Considerations for new graduates.

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.

How To Avoid the Danger of Hidden Fund Fees

Derek Moran discusses a plan to avoid being penalized by hidden fees.

How to Stop Falling Behind

Derek Moran discusses a financial plan for a single woman with debts that consume half of her income.

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.

Majority of Retired Canadians in Debt: Poll

Gail Johnson discusses Canadian retirees in debt, in this Yahoo Finance article.

I Fired My Advisor

Margaret MacGillivray explains her husbands passing lead her to seek a new money manager three time zones away.

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

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.

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.

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.

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

The Reverse Mortgage Quandary

Overcoming The Stress of Investing an Inheritance

An intersting article republished (c) 2010 The Globe and Mail on investing an inheritance.

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.

Training for Advisers Just isn't Good Enough

Preet Banerjee of the Globe and Mail discusses the inadequate regulation on commission based financial planners.

Teaching Money Sense

(c) 2010 Tara Perkins - An excellent article about teaching money sense to children by Tara Perkins, Globe and Mail

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.

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.

U.S. Opportunity Knocking?

An interesting article - video link to a discussion on opportunity for U.S. housing investments with a strong Canadian dollar.

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

Making the Most of Savings Income

Derek Moran discusses maximizing savings income in this Facelift article - Andrew Allentuck - The Globe and Mail.

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

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

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

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

Payments Under Scrutiny

Smarter Financial Planning reprint of article found in and copyright (c) 2009 Investment Executive

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.

How To Avoid These 7 Deadly Sins

Investment strategy article discusses 7 key mistakes common to financial planning strategies.

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.

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.

A Growing Family in Need of Discipline

Derek Moran, Financial Advisor to The Globe and Mail discusses a financial plan for a growing family.

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.

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.

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.

Rebuilding Finances in Remarriage

Financial Planner Derek Moran advisor to The Globe and Mail newspaper discusses rebuilding a financial plan after remarraige.

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

Working From Home? Think Deductions

An interesting article from the Globe and Mail discussing home office tax deductions.

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.

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.

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

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.

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.

Rebalancing for the Beneficiaries

Derek Moran, Financial Planner and Advisor to the Globe and Mail discusses taxation on non-registered assets.

Laying A Foundation For First House

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.

Toss the Exotic Funds and Rebalance

Financial Planning advice by Derek Moran of Smarter Financial Planning Ltd., regarding getting rid of exotic mutual funds.

Transforming Assets Into Retirement Travel

Financial Planning expert Derek Moran discusses transforming an investment portfolio in order to facilitate retirement travel.

Toss the Exotic Funds and Rebalance

Derek Moran advises couple to minimize excessive risk in their portfolio due to lack of diversification.

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.

A Secure Life After Work Takes Planning

Andrew Allentuck and Derek Moran discuss after work life financial planning in this Cosco publication

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.

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.

A Secure Retirement? It Isn't Rocket Science

Derek Moran of Smarter Financial Planning LTD gives advice on smart retirement.

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.

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.

Cash-heavy Holdings Weigh on this Couple

A couple's anxieties appear to be based on the complexity of their income.

Young Couple Should Pay Off Big Student Loans

Reducing debt by paying off student loans is the best financial plan.

The Capital Gains Deduction Minefield

David Christianson discusses capital gains and exemptions.

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.

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.

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.

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.

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

Should Charity Begin at Home

Derek Moran, Financial Planner discusses balancing the cost of children and mortgages while planning for retirement and the future.

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.

Seafaring Couple Set Their Sites on Land

Financial Planning Article: Derek Moran's professional advice as seen in the Globe and Mail

Reaching the Peak

Derek Moran, financial advisor for the Globe and Mail discusses reaching goals for retirement.

Mortgages - Fixed Vs. Floating

Mortgages - Fixed vs Floating by Moshi A. Milevsky - used by permission, Derek Moran, Smarter Financial Planning

Smarter Financial Planning Ltd .