Rob Torrance B.Sc.
Investment Funds Advisor
Safeguarding your family’s financial future
Well-Advised Newsletter
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Playbook - August 19, 2019
August 19, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Playbook - August 12, 2019
August 12, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Playbook– August 5, 2019
August 02, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Playbook - July 29, 2019
July 29, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Portfolio Construction - Central Bank Intervention
July 25, 2019 • Portfolio Construction
Since the financial crisis in 2008-09, the investment landscape has been dominated by one theme: central bank intervention or, more precisely, zero interest rates and increased money supply.
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Playbook - July 22, 2019
July 22, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Playbook - July 15, 2019
July 15, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Playbook - July 5, 2019
July 05, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Portfolio Construction - Trade War: What is it Good For?
June 28, 2019 • Portfolio Construction
At the beginning of the year, an escalating trade war between the U.S. and China was noted as a risk to our outlook, which was that global economic growth is likely to remain positive in 2019, albeit at a much slower pace.
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The Playbook - July 1 2019
June 28, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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How to save tax as a couple
June 21, 2019 • Tax Planning
Interested in strategies to pay less tax every year? Three couples illustrate effective ways to save tax by splitting income in working years, in a business and while retired.
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How often should you check your portfolio?
June 21, 2019 • Investment Planning
Investors these days can check their portfolio whenever they wish. But just because we can, does it mean we should? Find out what’s appropriate and what may pose a problem.
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Are you entering the retirement risk zone?
June 21, 2019 • Retirement Planning
It begins several years before retirement and continues for several years after the day you retire. Learn why your investments need extra protection while you are in the retirement risk zone.
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The Playbook – June 24, 2019
June 21, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Does your spouse have a different investment personality?
June 21, 2019 • Financial Planning
You might be worried if you and your spouse have opposite ideas about investing. But your differences may present no problem at all.
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When education savings may need a boost
June 21, 2019 • Financial Planning
Average education savings seem just fine until the day they meet above average costs. We’ve got a range of tuition fees to show you and solutions to help you.
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The Playbook - June 17, 2019
June 17, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Big Picture-The Active versus Passive Debate Evolves
June 07, 2019 • The Big Picture
Historically, Canada has been slower to adopt new investing vehicles than either the U.S. or Europe.However, once Canadians buy in, they are every bit as interested in these new tools as their international compatriots.
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The Playbook - June 10, 2019
June 07, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - June 3, 2019
June 03, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Portfolio Construction - The Power of Zeros
May 27, 2019 • Portfolio Construction
It has been 10 years since stock markets bottomed in 2008-09 following the financial turmoil caused by excessive leverage.
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The Playbook - May 27, 2019
May 27, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - May 20, 2019
May 20, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - May 13, 2019
May 17, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Portfolio Construction - Seizing opportunities
May 09, 2019 • Portfolio Construction
Over the first quarter of 2019, global economies continued to slow, Brexit and U.S.-China trade remained uncertain, but the key theme was the pivot in U.S. Federal Reserve policy.
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The Playbook - May 6, 2019
May 06, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - April 29, 2019
April 26, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - April 22, 2019
April 18, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - April 15, 2019
April 15, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - April 8, 2019
April 08, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Portfolio Construction - The Fed is the new macro
April 05, 2019 • Portfolio Construction
Stock markets have rallied significantly and consistently since 2009 when central banks cut interest rates to zero and increased the money supply through quantitative easing (QE) programs. Ten years later, these measures are largely still in place.
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How to keep your TFSA aligned with your goals
April 01, 2019 • Estate Planning, Financial Planning, Retirement Planning, Tax Planning
Are you using your Tax-Free Savings Account (TFSA) to its best advantage? Find out about five objectives a TFSA can achieve, and why you might change your TFSA investments over time.
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Next best thing to saving tax now
April 01, 2019 • Tax Planning
Have you noticed we’re getting fewer tax breaks? The next best way to come out ahead is to pay the tax later. Find out why tax deferral works and learn about some key methods available.
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Retiring gradually
April 01, 2019 • Retirement Planning
So many people are working past 65 that unretirement is often called the new normal. We’ve got a summary of the financial planning matters to consider when earning income in traditional retirement years.
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The Playbook - April 1, 2019
April 01, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Leaving more to your heirs
April 01, 2019 • Estate Planning
The value of your estate assets could be eroded by tens or hundreds of thousands of dollars in tax. But there’s a life insurance solution that protects an estate’s value – and the children’s inheritance.
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When do you need a power of attorney?
April 01, 2019 • Estate Planning
If you ever lose the ability to manage your financial affairs, someone must take over. Learn why there’s no advantage, only risks, when you put off getting a power of attorney.
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The Playbook - March 25, 2019
March 25, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Big Picture - Yield Curve Inversions
March 20, 2019 • The Big Picture
December 2018 was a very weak month for equity markets and the U.S. proved to be the epicentre of stock-selling activity.
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The Playbook - March 18, 2019
March 18, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - March 11, 2019
March 13, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - March 4, 2019
March 04, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Portfolio Construction - This is what it sounds like when doves cry
March 01, 2019 • Portfolio Construction
Markets roared back in January from December’s steep sell-off. The S&P/TSX Composite Index was up 8.7% – it’s best month in a decade. In the U.S., the S&P 500 Index had its best January performance in over 30 years.
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The Playbook - February 25, 2019
February 25, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - February 18 2019
February 18, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - February 11, 2019
February 11, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - February 4, 2019
February 01, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Portfolio Construction - What is your outlook for 2019?
January 29, 2019 • Portfolio Construction
2018 was a turbulent year for stock markets. The year started strong with most equity indexes reaching new highs in the first quarter.
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The Playbook - January 28, 2019
January 28, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - January 21, 2019
January 21, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - January 14, 2019
January 14, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Big Picture - Late-cycle job market
January 08, 2019 • The Big Picture
Despite recent equity market volatility, headlines about new all-time highs in U.S. markets were seen over most of 2018.
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Portfolio Construction - How did investors do in 2018?
January 08, 2019 • Portfolio Construction
During any extended stock market rally, a curious thing tends to occur: several close acquaintances – who aren’t professional investors – enjoy offering me their unsolicited advice on how to make money.
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The Playbook - January 7, 2019
January 04, 2019 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - December 17, 2018
December 17, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The investment factor you can control
December 14, 2018 • Financial Planning, Investment Planning
You can’t control the markets but you have complete control over the amount you save and invest. Find out about the situations when meeting your financial objective depends on investing more.
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Are RRSPs still the best choice?
December 14, 2018 • Investment Planning, Retirement Planning
In retirement, there’s a tax-saving strategy called “topping up to bracket.” It’s used when funds in a Some investors wonder if they’ll come out ahead investing in a non-registered account instead of a Registered Retirement Savings Plan (RRSP). But thanks to the significant tax deduction and tax-deferred growth, RRSPs win out.
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When life changes, so do financial plans
December 14, 2018 • Financial Planning
One of these days, the unexpected may alter the course of your life. Find out through several case studies why financial plans must adapt to meet evolving needs.
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I'd like to talk to you about a loan
December 14, 2018 • Financial Planning
Has a friend or relative ever asked to borrow money? It can be an awkward situation. We’ve got several issues and guidelines to help you figure out what to do – including how to say no.
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Should you name a child as executor?
December 14, 2018 • Estate Planning
If you have only one child and she or he wants to be executor of your estate, consider yourself fortunate. But if you have two or more children, you must weigh several pros and cons before naming an executor or co-executors.
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The Playbook - December 10, 2018
December 10, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Portfolio Construction - Focused on risk management
December 06, 2018 • Portfolio Construction
Risk assets across financial markets, such as equities, high-yield bonds, real estate and currencies, have lurched lower since the beginning of October.
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The Playbook - December 3, 2018
December 03, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - November 26, 2018
November 26, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - November 19, 2018
November 16, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - November 12, 2018
November 12, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Portfolio Construction - Staying on the right track
November 05, 2018 • Portfolio Construction
Stock markets were incredibly calm in 2017 with low volatility and few down days.
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The Playbook - October 29, 2018
October 29, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - October 22, 2018
October 19, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Invest wisely and sleep well at night
October 12, 2018 • Financial Planning, Investment Planning
If you want to sleep well even when markets are volatile, you must invest according to your own risk tolerance. It’s one of the most important factors in investing. Also important, however, is that risk tolerance isn’t something you set and forget. It can change over time because of personal experiences or evolving life situations.
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The smart way to view an expected inheritance
October 12, 2018 • Financial Planning, Retirement Planning
It’s tempting to count on an expected inheritance as money in the bank – but it doesn’t always work out so perfectly. Anyone’s parent or parents could encounter situations or challenges that jeopardize the legacy they wish to leave to their children.
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Plan now to minimize OAS clawback later
October 12, 2018 • Lifestyle, Retirement Planning
To minimize OAS clawback, you need to reduce net income. During retirement, an effective strategy is splitting pension income. But several strategies, including the following, can be initiated before retirement arrives.
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The Playbook - October 15, 2018
October 12, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Factor the new longevity into your financial plans
October 12, 2018 • Financial Planning
Imagine, you might enjoy a retirement of 30 years, even longer. Here are some of the financial planning areas affected by the new longevity.
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Minimizing taxation of estate assets
October 12, 2018 • Estate Planning
There are ways to minimize the amount of tax payable by an estate. Here are some of the more common strategies.
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The Playbook - October 8, 2018
October 08, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - October 1, 2018
September 28, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Portfolio Construction - Factor-based investing
September 26, 2018 • Portfolio Construction
If you pass white light through a prism, the light separates and you can see that white light is made up of many different colours.
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The Playbook - September 24, 2018
September 24, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - September 17, 2018
September 14, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - September 10, 2018
September 07, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Big Picture - All that glitters
September 06, 2018 • The Big Picture
Investors, even well-seasoned market veterans, can be forgiven for the unease that they may be currently experiencing.
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The Playbook - September 3, 2018
August 31, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Portfolio Construction - It is all about Trump
August 27, 2018 • Portfolio Construction
U.S. President Donald Trump has been busy lately, imposing tariffs on imported steel and aluminum for all countries, targeting Chinese imports for punitive tariffs and adding sanctions on Russia, Iran and Syria.
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The Playbook - August 27, 2018
August 24, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - August 20, 2018
August 17, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - August 13, 2018
August 10, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - August 6, 2018
August 03, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Portfolio Construction - Never going out of style
August 02, 2018 • Portfolio Construction
Within equity investing, the two main investment styles are value and growth.
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The Playbook - July 30, 2018
July 27, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - July 23, 2018
July 23, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - July 16, 2018
July 20, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - July 9, 2018
July 19, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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The Playbook - July 2, 2018
June 29, 2018 • Playbook
The Playbook provides a weekly review and outlook on economic and market trends.
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Volatility: Friend or foe?
June 15, 2018 • Investment Planning
If you’re retired or about to retire, market volatility is something you want to guard against. But if you’re in your wealth accumulation years, volatility has a silver lining.
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Should you open the bank of Mom and Dad?
June 15, 2018 • Financial Planning
When it comes to helping children financially, there are no financial planning rules to follow. What works perfectly for one family might be unthinkable for another. There are, however, important factors to consider, which can guide you in making a decision.
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Wondering about investing in Bitcoin?
June 15, 2018 • Lifestyle
Welcome to the world of cryptocurrency, where millions have been made and fortunes lost. Here’s what you need to know.
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Take a layered approach to protecting your family
June 15, 2018 • Insurance Planning
The traditional way of doing things isn’t always the most economical. Take the home phone. Many people hardly use their land line and would save money by only using their mobile phone. Sometimes we follow the same old habits without exploring alternatives.
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How insurance can protect your investments
June 15, 2018 • Insurance Planning
When you think of life and health insurance, you likely think of protection against risks to your health. Your investments might not be on your mind, but insurance and investments are related. Here are a few scenarios to illustrate the value of proper coverage.
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Portfolio Construction - While the short term is uncertain, long-term prospects are still positive
May 24, 2018 • Portfolio Construction
Despite bouts of volatility in the equity markets, investor confidence remains high and their love for technology companies continues.
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InvestorOnline | Discover the difference
July 22, 2016 • Technology
The redesigned Assante InvestorOnline offers a fresh layout with new and improved features. Part of our commitment to providing a complete approach to our clients includes an improved online experience, where you have access to your Assante account information and more, any time, day or night.
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Assante InvestorOnline – No paper? No problem!
July 11, 2016 • Security
Assante InvestorOnline is your paperless solution in the event of a service interruption by Canada Post.
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Protecting yourself from today's threats (part 3)
June 30, 2016 • Security
Knowing what to look for may help you avoid becoming a victim, but what happens when you or someone you know is targeted by scammers? Whether or not the scam is successful, you should report your interaction with individuals or groups whom you believe to be acting fraudulently to the appropriate authorities.
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Protecting yourself from today's threats (part 2)
June 03, 2016 • Security
Most individuals or groups perpetrating scams take great care to ensure that they appear legitimate and their malicious intentions remain undetected. By being aware of some of the most prevalent scams, you will be better prepared should you ever find yourself a target of one.
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Protecting yourself from today's threats
May 06, 2016 • Security
Each year, thousands of Canadians fall victim to financial scams and security breaches. Many scams try to obtain your personal information with the intention of stealing your identity, while others ask you to send money via wire order or some other means.
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InvestorOnline My Portal
October 20, 2015 • Technology
An easy and secure way to communicate with your advisor over Assante InvestorOnline
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Assante advisory services are offered through Assante Capital Management Ltd. (“ACM”) and Assante Financial Management Ltd. (“AFM”).
ACM is a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada.
AFM is a member of the Mutual Fund Dealers Association of Canada (“MFDA”) and MFDA Investor Protection Corporation.
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