Flatiron Wealth Management | The Flatiron Blog

Empowering Future Generations Through Financial Literacy

Personal Finance

Monday, November 4, 2024

In Canada, November is recognized as Financial Literacy Month, making it an ideal time to dive deeper into what you know and where you can improve.

Keep Emotions in Check Despite White House of Horrors

General Economy

Friday, September 6, 2024

There is no doubt, however, that the current campaign is anxiety inducing for investors. Canada may be gearing up for its own divisive political battle, but its noisy neighbour is a behemoth that dominates news cycles. And just like a good horror film, these stories are full of jumps and nerve-shredding moments.

Family Harmony and Legacy: Incorporating Your Cottage to Protect and Preserve

Real Estate

Wednesday, July 17, 2024

A family cottage is a source of joy where families spend some of their most cherished times. They can become a powder keg however when it comes to estate planning. By leveraging the expertise of a financial planner, accountant, and lawyer, families can create a robust strategy to preserve their cherished cottage for generations to come.

Navigating Your Prized Cottage Investment

Real Estate

Tuesday, June 18, 2024

Cottages were all the rage in recent years past—and that’s precisely why they’re still an investing hot topic in 2024.

Sharing is Caring – and More Tax Efficient

Tax Strategy

Wednesday, May 8, 2024

For those of you still shaking off the hassle of this year’s returns, the planning for next year should start now. And one way to stay a step ahead and to improve next year’s returns is income splitting.

Digesting the Proposed Capital Gains Tax Hike

Tax Strategy

Friday, April 26, 2024

History, ultimately, will be the judge of the recently proposed capital gains tax hike. The Government argues the extra billions of dollars generated will be invested in programs that give people a fairer chance “to build a good, middle-class life”, but critics say this will deter the risk-taking capital that stimulates economic growth and penalize hard-working business owners and individuals.

Spring Cleaning Your Finances 101

Financial Planning

Thursday, March 21, 2024

When the higher sun shines in your windows and reveals the dust bunnies, it might be time to also dust off your finances.

Couples and Money – A Beautiful Partnership

Personal Finance

Thursday, February 15, 2024

According to The Beatles, money can’t buy you love but as many people will attest, money can certainly destroy. Paul McCartney was always the Fab Four’s hopeless romantic.

The Value of Advice: Finding the Active-Passive Balance

Investment Types

Monday, February 12, 2024

For the most important aspects of your life, there is typically a half a dozen things that matter. Keeping healthy means daily exercise, eating well, a good night sleep, finding me time, positive personal relationships, and moderated drinking. Investing and accumulating wealth is no different, there are only a few things that really matter...

What’s New: Recent Updates

Firm News

Thursday, February 1, 2024

Easing Into Retirement – Time to Adjust your Investment Playbook

Financial Planning

Tuesday, January 23, 2024

Most people probably don’t think about retirement when they are working and busy with life. And then one day there is a trigger. Some life event, like a spouse who is nearing full pension eligibility, the last child leaves the family home, or a 30th work anniversary starts the process of considering retirement.

How to Beat Blue Monday

Personal Finance

Friday, January 12, 2024

When it comes to personal finances, January can be a month when the festive adrenaline eases and your own economic reality hits home. The cure lies in forward-thinking, a positive mindset and goal setting.

Can We Finally Expect Interest Rate Cuts?

General Economy

Tuesday, January 9, 2024

Rewind to the end of 2022 and analysts were forecasting recessions, hard landings, and interest rate cuts. They never happened.

Accumulation for Show, Decumulation for Dough

Personal Finance

Wednesday, December 6, 2023

Even those who despise golf will likely have heard the saying, “driver for show, putter for dough.” The premise: that smacking the ball 300 yards looks great but the ability to get it in the hole is what determines success.

Invest or Tackle Debt with New Money?

Investment Types

Friday, November 3, 2023

There are four basic things you can do with new money. Spend it, save it, pay off debt or give to charity. All of us must spend a certain amount to live, and charity is very much a personal choice. The focus of this article is whether to invest or tackle mortgage debt.

Why the Hype Around Private Investments?

Investment Types

Monday, August 14, 2023

You may be hearing more about Private Investments these days and wondering if they are suitable. The first question you may have is why the focus on them now?

Tax Tactics for the Wealthy

Tax Strategy

Thursday, July 27, 2023

Navigating the breaks and rules to your advantage is a legitimate tactic to not only keep more money in your wallet but also fuel your family’s legacy, whether that’s through charitable donations, community work, or simply ensuring the kids’ and grandkids’ futures.

Keep Calm... and Stay Invested

Investment Types

Tuesday, July 11, 2023

Even if you are a long-term investor with a well-diversified portfolio, market volatility has introduced many to negative statements for the first time. The instinct to look for safety and pull your money out of the market may be understandable but is potentially fatal to your retirement portfolio.

Time is Your Quiet Investing Partner

Personal Finance

Monday, June 5, 2023

Time is your greatest investing partner, but its value can be overlooked. Passive and quiet, this partner won’t bang on your door and say it’s time to get started, that part is up to you.

Recession Risk: When the Central Bank Stops Being Boring

Investment Types

Friday, May 26, 2023

Are we set for more market volatility? Despite the central bank’s efforts, the economy remains strong in places, particular the labour market and real estate, despite the latter cooling slightly.

Not All Income is Equal - Three Categories to Consider in 2023

Investment Types

Wednesday, May 17, 2023

Now is a great time to look at your income investments. Recent interest rate hikes in North America have significantly reduced the prices, making 2023 an interesting entry point.

The Taxing Issue of Succession Planning

Tax Strategy

Friday, May 5, 2023

70% of families report failure when it comes to intergenerational wealth transfers. Put another way, three out of every 10 transfers fail. It’s a core part of many people’s financial plan and yet 67% cite it as their biggest concern.

Rising Rates and the Dilemma of Duration

General Economy

Wednesday, March 29, 2023

For investors, the prevailing interest rate is like gravity. A constant and fundamental force on all things in capital markets. Understanding the basics of PV and the yield curve will help us be more educated investors.

Time to Leave God’s Waiting Room?

Pensions

Wednesday, March 8, 2023

As we all know, life expectancy is increasing. Retirement savings, therefore, need to last longer and be able to cope with the subsequent health and wellbeing costs as we age.

Tax Season: Bucking the Trend

Tax Strategy

Thursday, February 23, 2023

For investors, tax misconceptions can be misleading and, without the help of an advisor, potentially damaging to your retirement. Here are a few myths explained and busted!

2023: Building on a Better Base for Investors

General Economy

Thursday, February 9, 2023

2023 won’t be perfect. There is always something happening in the world and news travels so quickly that short term volatility is here to stay. The best quote to remember is that in the short term the markets are a voting mechanism and in the long term a valuation mechanism.

You were laid off, so now what?

Financial Planning

Wednesday, February 1, 2023

Your employer was probably helping with several aspects of your financial plan. It’s time to go through these benefits one by one and figure out what to do with each item.

From Fantasy to Fundamentals: The Appeal of Infrastructure in 2023

Investment Types

Friday, January 20, 2023

Faced with economic turbulence and rising costs, the world’s need for productivity and value is increasing. Change is in the (cleaner) air. It’s time to leave fantasy growth stories behind and focus on the fundamentals – infrastructure is the perfect place to start.

blogTO feature: The Flatiron Building in Toronto is even cooler from the inside

Firm News

Wednesday, January 4, 2023

We invited the blogTO for an exclusive tour of our beautiful office space and the unique architecture that comes with it!

We have been featured on Subkit!

Firm News

Thursday, December 15, 2022

Andrew Sheppard gives us his take on what it means to be an entrepreneur and how he plans to grow the business.

Discover your “Why” – the Intangible Benefits of Investing

Financial Planning

Thursday, December 8, 2022

So much of the investment industry is focused on the “how” - how to get enhanced returns, how to build a portfolio, how to save tax, or how to capture the “next big thing”. Very few companies emphasize the “Why”...

Pandemic Legacy: How Have Investors Been Affected

Staying Invested

Tuesday, November 22, 2022

How the COVID-19 pandemic alters the path of history remains to be seen. Like a retiree looking back over their life, it’s only in hindsight that they can fully process the impact of euphoric highs and devastating lows. The great events of history are similar; they shape people and societies.

Is the 60-40 Strategy Dead and buried?

Portfolio Management

Friday, November 4, 2022

The 60-40 portfolio strategy is a touchstone for the industry, and shorthand for the tried and trusted method of protecting capital from wild market swings. There are endless variations on this theme, largely dependant on client risk tolerance and time horizon, but the navigational starting point of a “balanced” 60% stocks and 40% bonds mix has endured.

Navigating Emotional Real Estate Decisions

Real Estate

Tuesday, October 18, 2022

As the cliché goes, home is where the heart is. It’s also why decisions around selling or buying real estate, usually the biggest asset a person will own, go far beyond a financial transaction.

Keep Calm and Plan for Volatility

Staying Invested

Tuesday, October 4, 2022

Keeping your nerve when you see minus signs on your portfolio statement is not easy. Throw in a global pandemic, the rising cost of living, interest rate hikes, and news of political division, and it’s little wonder many investors want to exit the market and hunker down until the good times return.

Beyond Coldplay: How Emerging Markets Enhance Your Investment Palette

Emerging Markets

Wednesday, September 21, 2022

There’s a reason the likes of Coldplay and U2 sell millions of albums - people know what they’re getting. Whether it’s The Edge’s chiming guitar or Chris Martin’s lovelorn warbling, familiarity is comforting. Less widely known, and arguably more interesting bands, like Sparks for example, who switch up genres, often endure more sporadic profits.

Six Investment Myths Busted

Investing Myths

Wednesday, July 13, 2022

Gordon Gekko hasn’t done the investment industry’s reputation any favours. Michael Douglas’ unscrupulous movie character quickly became shorthand for all that is wrong with Wall Street and financial markets with his infamous ‘greed is good’ speech.

RRSP strategies – and how they can enhance a retirement savings plan

Financial Planning

Saturday, July 2, 2022

It’s that time of year again. The Christmas tree has come down, you’ve dived into your new year’s resolutions and … now it’s RRSP time.‍

Volatility and Staying Invested

Staying Invested

Thursday, May 26, 2022

Imagine you’re on a long-haul flight and the pilot informs you of every hint of turbulence. It would drive every passenger crazy. Thankfully, instead, most of us watch a movie, grab some uncomfortable sleep, and wait until the plane’s wheels hit tarmac. Ignorance is bliss.

An Alternative View

Alternative Investments

Tuesday, May 17, 2022

For years, you’ve dined on meat and potatoes; sturdy fare that’s given you the strength and endurance you’ve needed. Now, however, while the prime cuts of meat still deliver, the potatoes are drying out – less quantity, quality and nourishment.

Managing money in a rising interest-rate environment

Alternative Investments

Wednesday, March 23, 2022

Canada’s benchmark interest rate hit an all-time high of 16% in 1991 – and here investors are in 2022, freaking out over projections it’ll touch 1% by June. But there’s a reason for the current unease.

Should I stay, or should I go?

Financial Planning

Wednesday, March 9, 2022

Between the pandemic, inflation, and geopolitical tensions, market uncertainty reigns right now. You might have heard some disturbing words, like shares “plunging”, prices “soaring”, and investment “volatility”.

Inflation is back, so what next?

Financial Planning

Monday, February 21, 2022

The last time inflation was a major issue, Pink Floyd were releasing singles and the majority of Maple Leafs fans could still remember winning the Stanley Cup. Now the new generation of investors are more familiar with crypto than the Consumer Price Index.

Demystifying Financial Planning - Part 3

Portfolio Management

Thursday, February 17, 2022

Watch the second episode of our three-part series: Demystifying Financial Planning, and allow us to bring more sense to a topic that often seems purposely confusing.

Demystifying Financial Planning - Part 2

Portfolio Management

Thursday, February 10, 2022

Watch the second episode of our three-part series: Demystifying Financial Planning, and allow us to bring more sense to a topic which often seems purposely confusing.‍

Your Cash is Losing Value at a Rapid Rate – So what do you do?

Financial Planning

Wednesday, February 2, 2022

Latest numbers show that inflation is hovering around 7% in the US, and 4.7% in Canada. After more than 2 decades of ultra-low inflation rates, these new numbers are stunning.

Demystifying Financial Planning - Part 1

Portfolio Management

Thursday, January 27, 2022

Watch the first episode of our three-part series: Demystifying Financial Planning, and allow us to bring more sense to a topic which often seems purposely confusing.

The Benefits of Working with an Independent Portfolio Manager

Financial Planning

Thursday, January 20, 2022

Most Canadians will have weighed up the advantages of using an advisor at some point in their lives. But with more and more options open to the DIY investor, the question of whether to use a professional is one many people don’t fully understand.‍

The Flatiron Wealth Blog

The latest news and insights from Flatiron Wealth Management

Empowering Future Generations Through Financial Literacy

Keep Emotions in Check Despite White House of Horrors

Family Harmony and Legacy: Incorporating Your Cottage to Protect and Preserve

Navigating Your Prized Cottage Investment

Sharing is Caring – and More Tax Efficient

Digesting the Proposed Capital Gains Tax Hike

Spring Cleaning Your Finances 101

Couples and Money – A Beautiful Partnership

The Value of Advice: Finding the Active-Passive Balance

What’s New: Recent Updates

Easing Into Retirement – Time to Adjust your Investment Playbook

How to Beat Blue Monday

Can We Finally Expect Interest Rate Cuts?

Accumulation for Show, Decumulation for Dough

Invest or Tackle Debt with New Money?

Why the Hype Around Private Investments?

Tax Tactics for the Wealthy

Keep Calm... and Stay Invested

Time is Your Quiet Investing Partner

Recession Risk: When the Central Bank Stops Being Boring

Not All Income is Equal - Three Categories to Consider in 2023

The Taxing Issue of Succession Planning

Rising Rates and the Dilemma of Duration

Time to Leave God’s Waiting Room?

Tax Season: Bucking the Trend

2023: Building on a Better Base for Investors

You were laid off, so now what?

From Fantasy to Fundamentals: The Appeal of Infrastructure in 2023

blogTO feature: The Flatiron Building in Toronto is even cooler from the inside

We have been featured on Subkit!

Discover your “Why” – the Intangible Benefits of Investing

Pandemic Legacy: How Have Investors Been Affected

Is the 60-40 Strategy Dead and buried?

Navigating Emotional Real Estate Decisions

Keep Calm and Plan for Volatility

Beyond Coldplay: How Emerging Markets Enhance Your Investment Palette

Six Investment Myths Busted

RRSP strategies – and how they can enhance a retirement savings plan

Volatility and Staying Invested

An Alternative View

Managing money in a rising interest-rate environment

Should I stay, or should I go?

Inflation is back, so what next?

Demystifying Financial Planning - Part 3

Demystifying Financial Planning - Part 2

Your Cash is Losing Value at a Rapid Rate – So what do you do?

Demystifying Financial Planning - Part 1

The Benefits of Working with an Independent Portfolio Manager

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