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The Greenard Index

Kevin Greenard: Be skeptical of unknown callers

Kevin Greenard: Be skeptical of unknown callers

In my mid- to late-20s and early 30s, I travelled throughout 63 countries. I had no real incidents and I attribute that to some good advice I received from a couple of well-seasoned travellers.
Kevin Greenard: Lines of credit provide peace of mind

Kevin Greenard: Lines of credit provide peace of mind

A line of credit (LOC) is a debt facility that provides flexibility to access funds quickly, up to an established, approved limit. Having a line of credit can be a great planning tool for future emergencies where you might need access to cash.
Kevin Greenard: Multiple debt facilities affect your purchasing power

Kevin Greenard: Multiple debt facilities affect your purchasing power

Financial freedom is either having the capital available or access to it when needed. Keeping a solid understanding of all the forms of debt you have is key to knowing your purchasing power.
Kevin Greenard: Structuring debt so a greater portion is tax deductible

Kevin Greenard: Structuring debt so a greater portion is tax deductible

Proper total wealth planning advice involves managing debt, as well as investments.
Kevin Greenard: Borrowing money has changed over the years

Kevin Greenard: Borrowing money has changed over the years

When I first started in financial services, most Canadian banks had a domestic bias to their operations. The four traditional pillars of financial institutions were: banking, trust services, insurance, and investment dealers.
Kevin Greenard: Top 10 tips to maximize your after-tax dollars in retirement

Kevin Greenard: Top 10 tips to maximize your after-tax dollars in retirement

When people think of providing for their retirement, they think of the various types of income they will receive (Canada Pension Plan (CPP), Old Age Security (OAS), pensions, investment income, etc.).
Kevin Greenard: Unused RRSP contributions — mistake or strategy?

Kevin Greenard: Unused RRSP contributions — mistake or strategy?

In the majority of cases, when individuals make a Registered Retirement Savings Plan (RRSP) contribution, they intend to deduct those contributions on their tax return.
Kevin Greenard: Paying RRSP fees from a non-registered account

Kevin Greenard: Paying RRSP fees from a non-registered account

With managed accounts, there are no annual administrative charges, and no commissions for buying or selling within the accounts. With a managed account, fees are documented with a fee agreement.
Kevin Greenard: Many factors to consider with RRSP contributions

Kevin Greenard: Many factors to consider with RRSP contributions

Last week we took a mathematical approach to looking at Registered Retirement Savings Plan (RRSP) contributions.
Kevin Greenard: Mathematical approach to RRSP contributions

Kevin Greenard: Mathematical approach to RRSP contributions

In January and February of every year we have clients that are making a last-minute Registered Retirement Savings Plan (RRSP) contribution to be applied against the previous taxation year.