H&M Financial Blog

Retirement Income – You Need To Plan

From Kathryn Boothby – Postmedia News Whether a RRIF is opened at 60 or 71, the most important aspect is structuring a portfolio correctly prior to conversion, says Robin Muir, a certified financial planner and managing partner of Hatch & Muir LLP in Victoria. After years spent paying into a registered retirement savings plan (RRSP),… Read more »

Severance, Early Retirement, Voluntary Departure – What Next?

In today’s economic environment, severance and early retirement programs are becoming commonplace. Whether you are employed in either the private or public sector, it seems that no one is safe from downsizing, or becoming “redundant,” as companies and provincial governments struggle to meet the demands for profitability and budget constraints. If you are offered a… Read more »

Protect Your Family – Not Your Lender

Mortgage Insurance Protect your home and your family – not the lender Most lending institutions offer you insurance when you apply for a mortgage, personal loan, or line of credit. This type of insurance is most commonly known as “mortgage insurance.” Mortgage insurance is actually group term insurance that is used to pay off a… Read more »