Typical Clients
Prescribe yourself the ideal financial future.
Moraine Wealth Advisory
Serves a diverse clientele consisting of professionals, executives, business owners, retirees, and individuals from all walks of life.
This includes both younger individuals starting their careers and those who are nearing the end of their professional journeys.
Our clients come to us with a range of financial situations, such as receiving funds from selling a property or inheriting wealth. Additionally, some may be experiencing significant life events or transitions, such as the loss of a spouse, job, or the approaching milestone of retirement.
At Moraine Wealth Advisory, we understand that each client has unique needs and circumstances. That’s why we are dedicated to serving you as trusted professionals who care, answer your questions transparently, find solutions to your problems, identify opportunities, offer unwavering support, and ultimately provide you with peace of mind.
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Latest Insights
How to Get Acclimated for Retirement
The first two years after retiring marks a big life shift—from learning to live without paycheques to figuring out how to make life meaningful without work; here’s how to prepare. It’s one thing to plan for retirement. It’s quite another to adjust to it when it...
Planning Perils for Retirees
A good retirement plan should do more than provide strategies to invest in low-volatility, low-risk investments; it should address a myriad of risks that can arise over several decades. Most retirement planning involves devising an investment strategy to generate...
Top 10 Considerations When Deciding Between Salary and Dividends
When you're an incorporated professional, deciding how to pay yourself — either through salary or dividends — can significantly impact your tax liabilities, retirement savings, and long-term financial well-being. Here's a list of the top 10 considerations to keep in...
5 Things You Need to Know About an Individual Pension Plan (IPP)
1. Significant Tax Savings for Your Corporation An IPP is a powerful tool for reducing corporate taxes. All contributions made to the plan, including current and past service costs, are fully tax-deductible. This allows your corporation to lower its taxable income...
Your Retirement Workhorse: RRSPs Should not be Overlooked as a Key Piece of Retirement Plans, Especially for Higher Income Earners
The RRSP may be an oldie when it comes to retirement savings.But the Registered Retirement Savings Plan never falls out of fashion.Canadians have multiple ways to fund their retirement, from workplace pension plans and group RRSPs to TFSAs (tax-free savings accounts)...
Maximize Your Wealth with an Individual Pension Plan: A Must for Business Owners
The theme of attacking business owners and incorporated professionals has continued in 2024. The increase in the capital gains inclusion rate for corporations is expected to be fully implemented on June 25th,...
Navigating the Physician – Focused Pension Plan: Key Insights for Doctors
https://youtu.be/JjLF6Q52Mag?si=SuZWAWx5WeFtQB1Y Designed specifically for doctors, the newly introduced Physician-Focused Pension Plan (PFPP) offers an intriguing alternative to the longstanding Individual Pension Plan (IPP). Let’s explore the similarities and...
Active Versus Passive Management Strategies
Active versus passive: Actively and passively managed strategies are often thought of as mutually exclusive, whereby investors must choose one approach over the other, yet both can coincide in a portfolio to drive returns to help reach your goals. Active and passive...
An interview with a wealth manager: Five questions to ask your advisor and the answers you want (or don’t want) to hear
Your financial advisor is a bit like your family doctor, only instead of helping you achieve good physical health for a long, happy life, a financial advisor helps you ensure financial fitness for the long term.As with looking for a good physician, it helps when...
Common Investing Errors and The Psychology of Smart Investing
Oh Behave!Research in Behavioral Economics highlights the substantial impact of emotions on investment decisions, revealing that investors often commit errors in their thinking processes. Let's delve into some common investing errors that individuals may unknowingly...
Cracks in the Classic 60-40 Portfolio Construction
The 60-40 asset allocation for portfolios has been the go-to strategy for decades, but is it the right mix to help you reach your goals? Call it a classic. The investment portfolio of 60 per cent stocks and 40 per cent bonds has long been the standard-bearer for...
Unlocking the Canadian Dream: An In-Depth Guide to First Home Savings Accounts
Buying a home is often considered a rite of passage into adulthood, a milestone that signifies stability and long-term planning. In Canada, however, purchasing a home—especially for the first time—is easier said than done. Real estate prices have been on an upward...
How to Navigate the Challenges of Job Loss
If you’re unsure how to navigate the challenges of job loss, we are here to help. Keep reading for our comprehensive guide. If you have any questions, we invite you to contact our team here at Moraine Wealth Advisory.
Sudden Wealth
When faced with a windfall, individuals and families find themselves at a pivotal crossroads, where their decisions can shape their financial future in either a positive or negative light. A windfall, whether through a stroke of luck or the result of years of hard...
Commute the Pension
Should you stay or should you go? Deciding whether to take your workplace pension’s commuted value or remain with the plan really depends on your situation, and is a choice best made with the help of independent financial advice. The question of taking the commuted...
Why an IPP is Better than an RRSP for Incorporated Professionals & Business Owners for Building Wealth.
By Sean WilsonCertified Financial Planner and Portfolio manager with Moraine Wealth Advisory in Calgary Accumulating long-term wealth, especially for retirement, can pose challenges for incorporated professionals and business owners. Due to the absence of...