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The Greenard Index

Kevin Greenard: Using your stock portfolio to make donations

Kevin Greenard: Using your stock portfolio to make donations

With every new client we work with, we will have a discussion regarding making charitable donations. This is especially the case for clients who have a non-registered investment portfolio.
Kevin Greenard: Managed and fee-based accounts are the fastest-growing advisory platform

Kevin Greenard: Managed and fee-based accounts are the fastest-growing advisory platform

Managed and fee-based accounts continue to grow in popularity. In fact, they are the fastest-growing wealth management option amongst most Canadians.
Kevin Greenard: Why we avoid speculative stocks

Kevin Greenard: Why we avoid speculative stocks

The regulators require us to document the investment objectives for each client on an account by account basis.
Kevin Greenard: The difference between strategic and tactical asset allocation

Kevin Greenard: The difference between strategic and tactical asset allocation

Nearly every financial textbook says that the No. 1 decision investors have to make that impacts investment returns is asset allocation.
Kevin Greenard: Changing financial institutions is as easy as 1 2 3

Kevin Greenard: Changing financial institutions is as easy as 1 2 3

The top 10 reasons for people to change their financial institution are: 1) lack of service 2) existing advisor is retiring 3) wanting to deal with an advisor with the correct licencing (i.e.
Kevin Greenard: When to defer your Old Age Security benefits

Kevin Greenard: When to defer your Old Age Security benefits

Nearly every Canadian relies on both Canada Pension Plan (CPP) and Old Age Security (OAS) benefits in retirement. There are some distinct differences between both the CPP and OAS.
Kevin Greenard: Collect information before making Canada Pension Plan decision

Kevin Greenard: Collect information before making Canada Pension Plan decision

Often one of the most frequently asked financial planning questions relates to when to collect Canada Pension Plan (CPP). The earliest you can collect retirement CPP is age 60, and the latest age is 70.
Kevin Greenard: Changes to the Canada Pension Plan

Kevin Greenard: Changes to the Canada Pension Plan

For 64 years, Canadians have been contributing to the Canada Pension Plan. The CPP is a federal program that provides pensions to qualified contributors in retirement. Any benefits paid by the CPP are taxable both federally and provincially.
Kevin Greenard: What happens if your child doesn't attend post-secondary education?

Kevin Greenard: What happens if your child doesn't attend post-secondary education?

Registered Education Savings Plans (RESP) are still relatively new. Originally started in 1998, they were slow to gain traction because of some of the unreasonable rules on the account application.
Kevin Greenard: Utilizing RESP funds for post-secondary education

Kevin Greenard: Utilizing RESP funds for post-secondary education

Parents and grandparents who set up a Registered Education Savings Plan (RESP) are referred to as the “subscriber”. The children or grandchildren are referred to as the “beneficiary” of the registered plan.