Author: Integrum Wealth Management

Having a critical illness is emotionally and physically devastating.  Treating and coping with illness can lead to significant and unexpected costs that may not be covered by your provincial or employee health plans.  Have you thought about how you will manage if you become seriously ill and have to stop working?  Or what if you…

It’s been a tough first half of the year.  Lingering inflation, tightening central bank policy, high oil prices, COVID concerns, and geopolitical tensions remained top of mind for investors.  Despite the volatility we’ve experienced, there is a silver lining.  Economic fundamentals such as consumer demand, wage growth, the job market and corporate earnings remain healthy.…

Recent world events and rapidly rising inflation, the rising cost of consumer goods, are creating a lot of stress and uncertainty.  For some, it’s also creating financial challenges and worry about what happens next.  When it comes to questions about your short-term and long-term finances, we need to look at your overall investment plan. When…

The conflict in Ukraine has unsettled people and markets around the world.  However, geopolitical risk has always been a constant feature of world politics and Russia’s invasion of Ukraine is the latest example of this.  A strong investment plan, like the ones I’ve constructed for you, is designed to withstand periods of volatility so you…

COVID-19 has affected Canadians’ retirement plans in significant ways.  Some changes are good news and some not so much.  During the pandemic, a part of staying safe may include staying financially safe.  Evaluating your plan to save for retirement and determining how much you can contribute to your retirement savings can help your future. As…

There’s been a lot of volatility and fear in the markets recently that’s causing a sell off.  I thought I’d quickly share a few points to put thing in perspective. The start of 2022 hasn’t been kind to equity investors, U.S. in particular.  As of Friday, the Dow Jones Industrial Average, S&P 500, and NASDAQ…

If you’ve been fortunate to keep a steady income during COVID-19, chances are all this time you’ve spent in lockdown has resulted in extra savings in your bank account and you might be thinking about what to spend it on.  There’s been a lot of pent up demand because we haven’t been out to restaurants,…

I’m excited to let you know I recently completed 2 designations, the Elder Planning Counsellor (EPC) and the Certified Professional Consultant on Aging (CPCA).  These designations are unique in that they apply multidisciplinary knowledge of the aging process and aging issues to identify the most appropriate options and solutions for seniors’ individual needs and best…

In any normal election year, there’s a lot going on and a lot of market volatility, but fittingly, this time it seems different.  However, when it comes to investing, it’s not worth trying to predict the future.  Indulging political fears or expectations by making major changes to your investments can be particularly damaging.  While trying…

The COVID-19 pandemic has shaken the global economy and affected us all in one way or another.  The speed and severity of the decline in global stocks and the continued high levels of volatility have a lot of people worried about what their investment savings and life insurance situation looks like.  Figuring out how the…