Case study: How a cash flow analysis helped a couple of prudent spenders and good savers who were feeling pinched financially
Amir and his wife Jennie have built successful careers over the last 20 years – Amir as an infrastructure engineer and Jennie as a senior executive with a global management consulting firm. They’re prudent spenders and good savers who have been clients of Rubach Wealth for almost two years. But Amir and Jennie had been […]
Case study: A couple with a cottage and a financial plan – but not enough to cover a potentially higher capital gains tax
Eve and Jason bought a cottage more than 20 years ago and have spent many happy summers at this lakeside retreat with their three children. They’d always intended to pass the cottage to the kids and already had an insurance policy in place to cover the capital gains tax that would be triggered by the […]
Case study: A professional couple with a seriously ill child and destabilized finances
Drew and Trina are a couple in their mid-thirties with three kids between the ages of seven and 13. One of the children has been diagnosed with a serious but treatable illness. Drew is a senior management consultant and Trina is a freelance film props specialist. While they bring in a healthy income, their child’s […]
Case study: This doctor worked hard, invested wisely – then lost it all when her husband raided their accounts
Leslie, a pediatrician who worked long hours, saved conscientiously and invested wisely, came to Rubach Wealth shortly after her husband of 20 years left her and their three children, who ranged in age from 16 to 19. The situation wasn’t great. Leslie’s ex-husband, Emile, had transferred significant sums from their accounts – which had grown […]
Case study: A middle-aged dentist with an ailing elderly mother and a brother struggling with drug addiction
Lawrence is a hardworking dentist with a thriving practice and a happy family life. When his widowed, 80-year-old mother Nancy had a stroke, Lawrence knew he had to step in and ensure she had a solid plan for the future. Nancy needed to move to a long-term care home and, if she recovered well enough, […]
Case study: An enterprising couple with a clear vision for retirement but clouded prospects for selling the business
After more than four decades spent building a family and technology business together, husband-and-wife entrepreneurs Sam and Natalie are ready to think about retiring. They have a clear idea of what they’d like to do in retirement – golf, travel, and volunteer with their favourite charities – but are unsure if they’ll have enough money […]
What’s your Family Financial Philosophy?
Some of the most important events and decisions in life can be incredibly joyful and terrifying at the same time, such as having a child, buying a home and starting a business. Deciding how to use your wealth to build a legacy – both during and beyond your lifetime – often falls into this category […]
Asking the big questions to focus on the big picture
A new year has begun, and just like every year, 2018 will have its share of ups, downs and surprises. When it comes to managing your wealth, the focus is often on long-term planning to protect against short-term blips and keep you moving forward toward your goal. But
Passing on the family cottage
For countless Canadians, the cottage has a special place in our heart. It’s the patter of little feet and the joyous splash of our kids running along the dock and plunging into the lake. It’s the cozy afternoon of hot chocolate and