Currency Hedging from a Canadian Investor’s Perspective With Canada representing just 3% of global investment opportunities, Canadians tend to look abroad when constructing suitably diversified portfolios. For this reason, fluctuations in the loonie vis-à-vis other currencies can significantly affect the performance of a Canadian investor’s portfolio. For example, in the most recent quarter US stocks …

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There is an old adage which says the greatest wealth is health. We think so too, which is why T.E. Wealth invited Executive Weight-loss coach, Adele Tevlin, to be the keynote speaker for last month’s Speaker Series event, The Art of Living Well and Leaving Wills.

With a background in neuropsychology, Adel offered a unique perspective on maintaining a healthy lifestyle through being more mindful of our behavioural eating patterns. Adel was preceded by our in-house expert Marcy Ages, senior consultant and certified professional consultant on aging, who spoke about estate planning issues and highlighted some recent changes to testamentary trusts.

We sincerely appreciated having this chance to come together with our clients and their guests to share an evening of cocktails and thought provoking conversation – it was one of our best events yet! But don’t take our word for it. Here’s what some of them had to say:

“Very appreciative that these topics were covered. Having enough money means being well enough to enjoy life!”

“Both topics exceeded my expectations. Excellent presentations.”

“The presentations were timely, clear and action oriented.”

Did you miss it? Don’t worry; we’re hosting another Speaker Series event across Canada this September where the topic will be succession planning. Stay tuned to find out who our guest presenter will be!

Queries on T.E. Wealth events can be directed to

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For many people, especially at this time of year, the motivation for healthy eating and increasing their physical activity is often to shed a few pounds. But as T.E. Wealth Vice President Lynne Triffon discussed in the previous issue of Strategies, adopting a healthier lifestyle is more than just looking good; it also is about feeling good.* Maintaining a healthy weight and level of fitness can lead to improved sleep, better handling of life’s stresses and fewer illnesses and ailments. We know that staying trim and fit is one of your best defenses against some of the chronic conditions that can impair your overall enjoyment of life. But we also know that exchanging current bad habits for a healthier way of life is not always easy.

Understanding the reward cycle

At the recent T.E. Wealth Speaker Series, we invited Executive Weight Loss Coach Adele Tevlin, of Adele Wellness, to explain how food affects our brains and influences behaviors that can sabotage all of our efforts to pursue a healthier lifestyle. A Certified Nutritional Practitioner with a degree in neuropsychology from McGill, Adele helps busy executives develop weight management strategies that work. Speaking to capacity crowds in Vancouver, Calgary and Toronto, Adele dispelled some of the myths surrounding nutrition that actually hamper weight loss and explained how to break the eating patterns that end up causing weight gain. The problem, it seems, is all in our heads.

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Media & Press

via | June 6, 2014

Many clients assume money put into RRSPs will stay there until retirement. That’s the goal, but life isn’t always so tidy.

People who blindly contribute, without thinking about whether they’ll need the cash before turning 65, are doing themselves a disservice because withdrawals trigger steep withholding tax:

10% on amounts up to $5,000;
20% on amounts from $5,000 to $15,000; and
30% on amounts over $15,000 (note, rates are different in Quebec).

Worse, CRA will tax your client at her marginal rate if it’s higher. So, if she pulls $35,000 from her RRSP to pay for her daughter’s wedding, it’s taxed as income.

Many now opt for TFSAs or non-registered accounts to fund these short-term cash needs. But these aren’t the only times clients should steer clear of RRSPs. Here are four more.

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