When a spouse or parent dies: providing support through estate planning

When a spouse or parent dies_ providing support through estate planning - 2017.04.25

This is not a fun exercise, but it is an important one: imagine that you have recently passed away. Now put yourself in the shoes of your spouse or children who have survived you. First and foremost, they are grieving. If your death was unexpected and sudden, they may also be in shock. In the […]

An honest look at your financial affairs

Rubach wealth look at financial affairs - 2017.02.20

It’s February and for many it’s time for some honest self-reflection. Do you consider yourself generally successful in your career? Do you lead a busy life? Do you ever worry about whether your financial affairs are all in order? Are you unsure what kind of insurance you have and how much coverage you have under each […]

A bright idea for funding post-secondary education

funding post-secondary education

With a new school year starting up, September marks an important turning point in the year for many Canadians – especially us parents. If you are a parent of a school-age child, something that may be on your mind these days is the cost of post-secondary education. Even if your child has only just had […]

Act now or miss out on the benefits of permanent life insurance

Act now or miss out on Permanent Life Insurance-2

Even if insurance is a topic that puts you to sleep, there is a major change coming in the insurance world deserving of your attention given its potential to significantly impact your wealth and what you are able to pass on to your loved ones. Unless you work in the insurance industry, there’s a good […]

Using an Estate Freeze to Protect Your Assets

Estate freeze to protect your assets

If you were to die yesterday, what would happen to your assets? If you’re unsure of the answer to that question, you are not alone. Most Canadians are aware that they need a will with clear direction on where their assets should go upon death. But how to maximize the inheritance left for your loved […]

Retirement Income Options You Haven’t Considered

retirement income options you haven't considered

Retirement income planning is a complicated, personal process. Many baby boomers set to retire in the upcoming years may be concerned about what their retirement income will look like. Saving into your RRSP and through an employee retirement plan offers some assistance and peace of mind. For many, maintaining their lifestyle may be impossible through such […]

Tips for a Successful RRSP Season in 2016

RRSP season in 2016

Retirement planning, especially as you’re getting closer to it, may be stressful. This RRSP season, you may be  finding yourself thinking about unknown expenses that may occur in the future, how to maintain your lifestyle during retirement, and trying to ensure everything is going to be alright. You have been contributing to your registered retirement savings […]

Importance of Life Insurance in Family Law

life insurance in family law

Families typically consider life insurance policies as a forward looking estate planning tool, which it certainly is. However, in case of the unfortunate life event such as a separation or divorce, life insurance can also play a vital role from a context of family law. [tweet_dis]The Importance of Life Insurance in Family Law: Security Blanket[/tweet_dis] […]

Why Should You Care About Financial Literacy Month

Financial literacy month in Canada

November is Financial Literacy Month in Canada. What does it mean to a successful professional like yourself? In a nutshell, it means that you’re fully aware of your financial standing:  know your net worth, how to reach your financial and personal goals. [tweet_box design=”default” excerpt=”Financial literacy is financial efficiencies and balance via @rubachandassoc #CountMeInCA #FLM2015″]Financial literacy for professionals […]