by Beverley Moir on June 23, 2010
On Tuesday June 15th, 2010 The Moir Team hosted a conference call. This call was designed to provide insight into capital markets and information about protecting your lifestyle and your assets.
Agenda
1) Introduction – Bev Moir
2) High Level Performance Report (Lifepoints Portfolios, Russell Investments) Lindsey Hall, Regional Director, Private Client Group, Russell Investments
3) Insight into the Capital Markets – Bev Moir
4) Protecting Your Lifestyle and Your Savings: Guest Speaker: Maddy Marchese, Advisor, Insurance Solutions ScotiaMcLeod
5) Conclusion – Bev Moir
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by Beverley Moir on May 13, 2010
Bev wrote this article for the May issue of Ontario Dentist
It’s no surprise recent dental school graduates are eager to kiss their student budgets goodbye and reward themselves after years of intense study. With a much-improved cash flow, thanks to steady employment, they’re ready to spend their hard-earned money. But, graduates, beware. Some sound advice may be just what’s needed before reaping those well-deserved rewards.
Mary’s Story
Mary Brown recently graduated from the University of Toronto’s Faculty of Dentistry and has begun working in an established dental practice near her downtown Toronto condo, which she rents from her parents. After years of hard work and studying, she has a guaranteed salary — and many wants. To start with, she wants to buy a $30,000 Toyota Prius, and she also wants to take a trip to Mexico.
The balance that Mary needs to find is to enjoy the fruits of her chosen career now, while saving for future goals.
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by Beverley Moir on February 8, 2010
About 73% of Canadians in the Scotiabank survey said the recession hadn’t affected retirement plans. The number of Canadians who don’t fully plan to retire has dropped by half to 5% in 2009 from 10% in 2008, it found.
“To achieve their retirement goals, Canadian investors need to ensure they have a balanced portfolio,” said Beverley Moir, ScotiaMcLeod senior wealth advisor. “Many investors are sitting on the sidelines in cash, bonds or GICs, however the current historic low interest rates will not provide the growth needed for many to reach their set retirement goals.”
Listen to Bev Moir speak about the survey on Toronto radio 680 news.
by Beverley Moir on February 3, 2010
by Beverley Moir on January 22, 2010
Living Benefits
Critical Illness Insurance
One of the great advantages of modern technology is that it’s allowing more people to survive once fatal medical conditions. However, the unfortunate reality is that many survivors must bear a heavy financial burden for things like medical treatment outside Canada, or ongoing care at home or in a facility. What can prevent depletion of your savings if you should fall ill? Critical Illness (CI) insurance can stop loss and protect your assets. Critical Illness Insurance (pdf)
Living Care
You work hard, save and invest to reach your financial goals. You want to retire without financial worries, control your own future and never burden your loved ones. Maybe take a dream trip. Spend more time with family and friends. A summer home. An inheritance for your loved ones … But life is unpredictable. Some of those dreams may have to change if you develop serious health concerns. Manulife’s LivingCare long term care insurance can help you prepare for the unexpected. LivingCare helps preserve your savings and investments and gives you choice about the type of care you receive. It lets you live all of your life your way. Living Care Guide (pdf)
Long-Term Care Insurance
The good news you ask? Positive lifestyle changes and medical advances over the last few decades have resulted in people living longer. The bad news? Living longer increases the chances of developing chronic medical conditions and the costs associated with caring for these conditions can be astronomical. Fortunately, an insurance product exists that can provide financial support required, should there be a need for long-term care in the future. Long-Term Care Insurance Overview (pdf)
Estate Planning
Estate Bond
Would you like to give more to your family and less to the government? If your answer is “yes,” you might want to consider an Estate Bond®.
Estate Bond (pdf)
The Estate Reallocation Strategy
The key to effective estate planning is to minimize estate tax and maximize the amount of wealth that is transferred to the next generation. But how? Life insurance offers a unique strategy. The Estate Reallocation Strategy (pdf)
