With cold calling and door-to-door knocking becoming a thing of the past, advisors are finding that a little patience – and creativity – are of the essence when building their client lists.

How to turn your investments into a steady cheque when you no longer have a paycheque during retirement.

The First Time Home Buyers Incentive promises to help make real estate more affordable, but there’s a big catch: It's a loan you have to repay with a share in your home’s growth in value. Sandi shares what you should know about the FTHBI in this article.

On this episode of The Personal Finance Show, Sandi shares what it was like to sell products at the bank, and why she left to start Spring Financial Planning - a fee-for-service financial planning company.

Independent Financial Adviser, Darryl Brown, answers some reader questions with Rob Carrick on one of the newest retirement planning strategies called F.I.R.E., Financial Independence Retire Early.

In this video, Shannon Lee Simmons talks about the misinformation and right way to use a credit card from her new book, Living Debt-Free.

Even people with limited means need a financial plan. After all, everyone has to figure out how they’re going to retire. And it doesn’t take any money to make potentially costly financial mistakes — like not having enough insurance — that a good adviser could help you avoid.

Planner says couple's portfolio is bold, but risky, especially when you factor in three rental properties with negative cash flow. Still, early retirement is within reach.

According to a recent survey conducted by RBC, Quebecers have the most modest savings goals in Canada, with the majority replying that they would need less than $450,000 to retire. CTV asks Julia how much we need to retire and whether $1 M would be enough.

Investment manager Shannon Lee Simmons advises those who owe money on credit cards or loans to re-frame the debt by not being too self-critical about how it was accrued.

“Most times people take on debt because of normal things, job loss, kid in hockey, a reno gone wrong,” Simmons told CTV’s Your Morning.

“It’s not because of Gucci purses.”

Simmons’ new book, Living Debt Free, advises paying down debt as the first step to financial recovery.

This letter is not meant to be sappy or embarrassing, and hopefully doesn’t come across as too morbid. I got this idea from an article I read about writing a letter to your spouse regarding money matters in case something were to happen to you. As with many couples, one person (in this case me) takes care of most of the household finances. My hope is that this letter can help alleviate some of the stress on my wife if she was left alone (with our 3 kids) should something happen to me.

Yoga and mindfulness might seem like the opposite of the mental and emotional intensity that often comes with investing, yet these practices have parallels that may be useful to building wealth. Meditation is a technique for resting the mind and attaining a state of consciousness different from the usual waking state. It allows the mind to focus on something other than events around us. Similarly, Hatha yoga is a practice aimed at caring for the body and mind, helping us to develop focus, patience and calmness.

What would it take for you to be “financially comfortable?” For many, the answer might be lower than they think. A new survey conducted by Leger for investment firm Edward Jones found Canadians think they need an annual salary of $250,000 before tax to be financially comfortable. And they’d like $300,000 a year to have their “ideal” income, the survey of 1,565 Canadians said.