Unveiling the Magic of Registered Retirement Savings Plans (RRSPs) in Canada

Curtis HaighBlog

Today, we’ll delve into the world of Registered Retirement Savings Plans (RRSPs), a financial tool that plays a crucial role in securing a comfortable retirement for Canadians. In this easy-to-read blog post, we’ll uncover the basics of RRSPs, their key features, and why they should be on your radar. We’re often asked about RRSP’s and why they should (or shouldn’t) …

Children Playing Outside in the fall with leaves

Critical Illness Insurance for children

Curtis HaighBlog

Critical illness insurance for children is an important topic that many parents may not be aware of. This type of insurance provides financial support to families in the event that their child is diagnosed with a serious illness such as cancer, heart disease, or a severe injury. While many people believe that children are not at risk for critical illnesses, …

Young couple preparing will

Why is it important to have a will?

Curtis HaighBlog

According to various surveys conducted throughout Canada, over 57% of Canadians do not have a will.   If you are part of that number, or feel like your will may be outdated, this article is for you.  Regardless of your personal circumstances or relationship status, having an up to date will is one of the most important documents that you could …

Insured Retirement Plan in 2022, has the strategy held up?

Curtis HaighBlog

One of the most popular blog posts I wrote was back in 2019  explaining the Insured Retirement Plan.   It is mid way through 2022 and the markets are currently struggling under higher inflation, geopolitical tensions across the globe and the lingering effects of Covid. What about the Insured Retirement Plan in 2022, has the strategy held up? Read on to …

Confused couple at grocery store

Easy budgeting with online grocery shopping

Curtis HaighBlog

Grocery shopping has forever been a dreaded task in our household, even before we had kids. The dreaded two-hour trip to the grocery store that had to be carved out of the week was a real buzz kill for us: dragging our butts to the store, shopping, then bagging and loading the bags, coming home; and unloading them again. Not …

Lifestyle Creep

Curtis HaighBlog

Everyone at some point in their life imagines progressing from a place of just getting by financially to a place where money no longer is a worry (or as worrisome). This is why so many people strive for more financial security through promotions at work or by taking on a side hustle. For others, coming into money unexpectedly can yield …

Couple enjoying coffee looking at laptop

Canadians are thinking about a retirement reset

Curtis HaighBlog

Canadians are thinking about a retirement reset According to a new poll by RBC dubbed the 2021 RBC Retirement Myths & Realities Poll, it states that 18% of Canadian respondents aged 50+ have now hit the pause button on retirement, with Alberta being the highest at 33%. Respondents stated that the pandemic has caused them to hit the pause button …

Cat with crown covered in Canadian money

6 habits to keep you on financial track in 2020

Curtis HaighBlog

Almost 3 months into 2020 and we’ve seen a wild ride so far. No matter where you look, there always seems to be some force of nature making news whether that be media, politics, environment or social issues. All of this information can overload us at times and detract from our long-term financial goals. As this is a financial blog, …

Saskatoon Insured Retirement Plan

What is an insured retirement plan, and do I need one?

Curtis HaighBlog

  This is a topic that comes out of the woodwork, almost every three or four years. Almost like clockwork, at least since I’ve been in the business.  The scenario is this, I get a call from a client or a prospective client and they proceed to tell me about this new strategy that they are being pitched that usually …

man who wins at bingo

Sudden Wealth Syndrome | Pitfalls and Possibilities

Curtis HaighBlog

Most of us know somebody who has “struck it rich”. Whether that be a high income promotion, winning the lottery, a divorce settlement; or an inheritance. Sudden Wealth Syndrome is a typical effect after a financial windfall. It can cause a sudden and unexpected life transition for individuals and families. For the most part, many people are not prepared or …

man jumps into water

Your biggest financial asset is your ability to earn an income

Curtis HaighBlog

  For many of us, we wake up every day and take our ability to earn an income for granted. We go to the office or the work site, put in a days work and come home.  For those with a disability preventing them from performing their previous occupation, life can become pretty hard financially very quickly Imagine for a …

man holding out bank card

Household debt in Canada, brace for reckoning

Curtis HaighBlog

Household debt in Canada has reached a ballooning 2.16 Trillion dollars.  That is Trillion spelled with a “T”. Where is all of this debt coming from? Well, its not just your traditional mortgage debt – it is credit card debt, consumer credit debt, vehicle loans, and home equity lines of credit (HELOC’s). The potentially damaging factor in rising home equity …

Investment Fees Mini Series | Part 2 | Sales Charges

Curtis HaighBlog

  This blog is a continuation of our Precision Financial Mini Series on investment fees. As an investor, it is important that you understand what sales charges and investment fees you will pay once you and your financial advisor or financial planner agree upon an investment plan.  In our previous blog, we spoke about a recurring annual fee called a …