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Larry Kleinmintz | WealthStrategist
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Manage debt more efficiently to free up money for other goals

Manage debt more efficiently to free up money for other goals

MANAGE DEBT We all have debt at different points in our lives. When we were studying, many of us took out student loans. We use loans to buy cars, mortgages to buy houses, credit cards for convenience and lines of credit to bridge cash flow gaps. With so many different debts, it’s easy to lose track of the costs to […]

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Sidestep these biases to improve investment returns

We all have biases, and some can affect investment decisions and have a negative impact on returns. However, being aware of your investment biases can help you avoid them. Investment home bias Familiarity keeps many investors’ portfolios concentrated in Canada. This restricts opportunities, diversification and growth potential. While it’s true that Canada has many strong businesses, they represent a small […]

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Europe’s stock may be rising

MUTUAL FUNDS The tide may be turning for investors in Europe. After several years of challenging economic news, there’s a sense of renewed optimism. A survey of investment managers released in September 20151 found that nearly half (49%) of respondents believe European equities are undervalued — or trading at attractive prices. Economies in the Eurozone are benefiting from the European […]

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Have confidence your retirement income will last

Have confidence your retirement income will last

FOCUS ON INVESTING: Retirement Income During your portfolio-building years, you are likely to have a bias to equities. With a long time horizon and regular additions of capital, you have an opportunity to maximize growth potential. As you get closer to retirement, however, it’s natural to begin tilting your portfolio away from equities and towards fixed income. Not only will […]

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Income funds with a splash of growth

With the recent volatility in the equity markets, some investors have likened investing funds to walking a tightrope between choppy equity funds and the ongoing lethargy of bond and income funds. You might even think of it as a “Goldilocks” environment: equity funds are too hot for many investors’ taste, while fixed-income funds are too cold. So what’s the mutual […]

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Protect your tax-free TFSA

TAX-FREE ESTATE PLANNING Most of us know about the importance of designating qualified beneficiaries for our Registered Retirement Savings Plans (RRSPs) and Registered Retirement Income Funds (RRIFs). But what about your Tax-Free Savings Account (TFSA)? You can – and should – take steps to protect those assets in much the same way as your other registered plans. The first thing […]

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Mutual fund’s for the brave new world

The world is in motion, physically, and economically, and politically. Here at home, we’ve just elected a new prime minister, and the U.S. will be going through its election process come November. As if to further affirm that change is afoot, growth in the investment markets seems to be shifting away from the developing world and back toward the more […]

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Three exercises to tone your fund portfolio

FOCUS ON MUTUAL FUNDS Is getting more exercise one of your New Year’s Resolutions? It’s a perennial favourite, and a good idea. While you’re at it, here are three exercises to help ensure your mutual fund portfolio is in top shape. Balance. The key to good physical fitness is balance. The same is true for your fiscal fitness. The New […]

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Investment options for kids or grandkids

INVESTMENT PLANNING You may have been shocked at just how much your kids raked in over this past holiday season. Clearly, giving cash in lieu of “stuff” is becoming more commonplace. Between those gifts and extra hours on the job in December, your young tycoons might be sitting on a sizeable sum. What can they do with that money besides […]

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RRSP or TFSA?

INVESTMENT STRATEGY   It’s the mutual fund investor’s annual dilemma: Contribute to your Registered Retirement Savings Plan (RRSP) or your Tax-Free Savings Account (TFSA)? It’s rarely as simple as picking one or the other. To get the most long-term benefit from both plans, we need to take a closer look at your income and your tax bracket — both current […]

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Recent Posts

  • What’s the fashion when it comes to mutual fund styles? January 31, 2019
  • Dollar-cost averaging makes volatility work for you January 21, 2019
  • These are the rules for 2019 January 10, 2019
  • Planning to skip RRSPs this year? Count the cost first! December 31, 2018
  • Here’s a tax-smart way to rebalance your fund portfolio December 21, 2018
  • Building a strong portfolio starts with your core December 11, 2018
  • These funds can help for a lifetime of retirement savings November 21, 2018
  • Safety first for these income-focused funds October 16, 2018
  • Four factors that may trigger a fund review in your portfolio October 16, 2018
  • Everyone’s a winner, and a loser. The lesson? Diversify October 15, 2018
  • For the millennial generation, a little knowledge may be a dangerous thing October 15, 2018
  • Canadians staying put after retiring, says poll October 14, 2018
  • Dividend-paying investments may be worth another look October 14, 2018
  • As the year winds down, these deadlines approach October 13, 2018
  • Should all the talk on trade affect your investing? October 13, 2018
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About Us

If you are a successful individual or business owner looking for an insurance and financial advisor, you are in the right place. L.I.K. & Associates purpose is to create and preserve the well being for both businesses and individuals.

After speaking to us, you will be assured we are listening. Our goal is to create financial solutions while providing an extraordinary amount of personal proactive service.

Larry Kleinmintz

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