Blogs

Turn Your Mortgage Into a Wealth-Building Tool: Proven Strategies for High-Income Earners to Reduce Taxes and Boost Cash Flow
Personal Finance Marcais Bowen Personal Finance Marcais Bowen

Turn Your Mortgage Into a Wealth-Building Tool: Proven Strategies for High-Income Earners to Reduce Taxes and Boost Cash Flow

Discover how to turn your mortgage into a wealth-building tool with insights from Tiphereth Straker, a Smith Manoeuvre Certified Professional. Learn strategies like cash damming, tax-efficient mortgage planning, and leveraging the right financial products to save on taxes, pay off your mortgage faster, and grow your investments—all with the same money you’re already earning.

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Should You Say ‘yes’ to TIA’s?
Personal Finance Marcais Bowen Personal Finance Marcais Bowen

Should You Say ‘yes’ to TIA’s?

Temporary Insurance Agreements (TIAs) offer peace of mind while your life insurance application is processed, providing interim coverage in case of unexpected events. In this guide, we’ll explore the ins and outs of TIAs in Canada, how they work, and why they’re crucial. Remember, TIA terms vary by carrier—know what you’re signing up for.

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When Your Policy Won’t Pay Out: Grace and Lapse Periods
Life Insurance Marcais Bowen Life Insurance Marcais Bowen

When Your Policy Won’t Pay Out: Grace and Lapse Periods

Understanding grace periods and lapses in life insurance is crucial for keeping your coverage intact. In Canada, a grace period gives you extra time to pay your premium without losing coverage, while a lapse means a policy is terminated due to non-payment. Learn the ins and outs of these concepts to ensure your financial safety net remains secure.

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Investing Made Easy: A Guide For Financial Fulfilment
Investing Marcais Bowen Investing Marcais Bowen

Investing Made Easy: A Guide For Financial Fulfilment

Investing can feel intimidating, but it doesn’t need to be complicated to be effective. By following a simple 2 x 2 strategy—investing in two index funds and two individual stocks—you can build a balanced portfolio that grows over time with manageable risk. This guide breaks down the basics of investing, providing a clear pathway to start building your wealth. Ready to make your money work for you?

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Why Long Term Investing Matters More Than Who’s in Office
Personal Finance Marcais Bowen Personal Finance Marcais Bowen

Why Long Term Investing Matters More Than Who’s in Office

With the latest U.S. election results in, investors are pondering how political shifts might influence the stock market. History, however, shows that long-term market growth transcends political cycles. This blog delves into the market’s historical performance under different administrations, why emotional discipline is crucial for investors, and expert projections for the S&P 500. Discover why staying invested is key, regardless of who’s in office.

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How To Improve Your Vacation Experience 
Personal Finance Marcais Bowen Personal Finance Marcais Bowen

How To Improve Your Vacation Experience 

Planning a vacation isn't just about budgeting for flights and hotels—your financial plan should include at-home expenses and even potential lost wages. This blog explores how to create a well-rounded travel budget that covers all bases, so you can enjoy your trip without financial stress waiting for you back home.

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The Hidden Truth Holding You Back From Wealth
Personal Finance Marcais Bowen Personal Finance Marcais Bowen

The Hidden Truth Holding You Back From Wealth

We often think external forces hold us back from achieving financial success, but the real obstacle may be much closer. In this blog, we explore how confronting the truth about our habits and beliefs can unlock the abundance we’ve been seeking. By embracing self-reflection and honesty, the path to wealth becomes clear. Ready to take the first step toward financial freedom? Start by facing the mirror.

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Why Life Insurance Experienced Record Breaking Sales
Life Insurance Marcais Bowen Life Insurance Marcais Bowen

Why Life Insurance Experienced Record Breaking Sales

2023 was a landmark year for life insurance in Canada, with sales hitting record highs as more Canadians prioritize long-term financial security. From affordable term policies to wealth-building whole life insurance and critical illness riders, discover the trends driving this surge and how they can shape your financial future. Now is the perfect time to reassess your coverage and ensure your family is protected.

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Do You Still Need a Financial Advisor in the Age of AI and Technology?
Personal Finance Marcais Bowen Personal Finance Marcais Bowen

Do You Still Need a Financial Advisor in the Age of AI and Technology?

In a world where AI and technology have transformed the way we manage money, do we still need financial advisors? The answer is a resounding yes. While technology can provide data and handle transactions, it lacks the emotional intelligence and personalized care that a human advisor offers. From guiding you through market volatility to creating a holistic financial plan that addresses your unique needs, a financial advisor is an invaluable partner in achieving your long-term goals.

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