Rob Torrance
Investment Funds Advisor
Safeguarding your family’s financial future
Well-Advised Newsletter
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Navigating the changing landscape of your 50s and 60s
April 01, 2013 • Financial Planning
We're going on a journey through the time period from your early 50s to your early 60s - a journey with a difference. Learn about the key times and the steps you should be taking in your retirement planning. Read more…
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Is your family adequately protected?
April 01, 2013 • Insurance Planning
When you raise a family, you automatically think about safeguarding your children and their future, which might include purchasing life insurance to protect income. But that might only be part of the story. Read more…
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Don’t let your vacation property become a tax nightmare
April 01, 2013 • Tax Planning
All across Canada, many families own vacation property that has significantly increased in value since its purchase. You think you're sitting on a goldmine - until you leave the property to your children or grandchildren. Thanks to tax on capital gains, they may inherit a tax nightmare. Read more…
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Protect your nest egg
April 01, 2013 • Retirement Planning
Any investor at any age is only one injury, illness or medical condition away from having their nest egg at risk. Talk to us about making sure your insurance program meets your needs. Read more…
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Why investment experts see opportunity in volatility
January 01, 2013 • Investment Planning
Volatility doesn't have to be cause for panic. It can, in fact, be advantageous for your portfolio. Read more…
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How to maintain harmony among your heirs
January 01, 2013 • Estate Planning, Retirement Planning
A will is critical to preserving a legacy and to ensuring that loved ones are taken care of. But could your will sow seeds of discontent that could shatter the closest of family ties? Read more…
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Financial planning for one – it’s different when you’re single
January 01, 2013 • Financial Planning
More and more Canadians are living alone, each with unique financial needs that differ from couples and families. We can be your financial partner, to ensure that you are equipped to overcome any financial planning challenges. Read more…
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Your group insurance may not provide the protection you expect
January 01, 2013 • Insurance Planning
Examining the most common gaps in group life and health plans - and how to bridge them. Read more…
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Minimize the OAS clawback with these strategies
January 01, 2013 • Financial Literacy, Investment Planning, Retirement Planning, Tax Planning
Most people are familiar with the Old Age Security (OAS) “clawback,” which reduces the OAS benefit by 15% for every dollar of net income above $69,562 (as of December 2012). Minimizing the clawback means reducing your net income. That can involve a variety of techniques, some of which are best started well before OAS benefits begin at age 65. Read more…
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Are your investments in step with your evolving life?
September 24, 2012 • Investment Planning
Still wearing acid wash denim? Chances are, you're not because times and people change. Your investments should too. As your priorities and focus shift, so too will your investment needs. It's why your portfolio needs to evolve with you. Read more…
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