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What Type of Insurance do You Really Need? A High-Net-Worth Guide
What Type of Insurance do You Really Need? A High-Net-Worth Guide Life insurance sales are regulated by the Insurance Council of British Columbia and Alberta. Deluca Veale Insurance Services is licensed to offer life and health insurance products. When most people think of insurance, they picture protection, a safety net for passing away unexpectedly. But…
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Life Insurance as a Wealth Planning Tool: Not Just for Protection
Life Insurance as a Wealth Planning Tool: Not Just for Protection Life insurance sales are regulated by the Insurance Council of British Columbia and Alberta. Deluca Veale Insurance Services is licensed to offer life and health insurance products. If you think life insurance is only about protecting the people you love, think again. In my…
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How Commercial Property Can Protect Wealth in Uncertain Markets
How Commercial Property Can Protect Wealth in Uncertain Markets When equity markets become volatile, or interest rates change rapidly, many look for assets that can provide diversification and stability in their portfolio. Commercial real estate has historically played this role for investors, and its characteristics make it particularly useful as a diversifying asset-class during tumultuous…
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REIT vs. Direct Real Estate: What’s Better for Your Portfolio?
REIT vs. Direct Real Estate: What’s Better for Your Portfolio? For investors seeking to diversify their portfolio beyond traditional stocks and bonds, real estate often emerges as an attractive option. How you access this asset class matters, and there are three primary paths to consider: public real estate investment trusts (REITs), direct property ownership, and…
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Planning a Business Sale? Here’s what Investors Need to Know
Planning a Business Sale? Here’s what Investors Need to Know Selling your business is one of the biggest financial milestones you’ll navigate. While the sale itself may feel like one moment in time, the planning behind it should start well before you list and any paperwork is signed. A well-prepared sale can fund your next…
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RRSP vs. TFSA: Which Account Should You Prioritize?
RRSP vs. TFSA: Which Account Should You Prioritize? When it comes to investing in Canada, two types of accounts dominate the conversation: the Registered Retirement Savings Plan (RRSP) and the Tax-Free Savings Account (TFSA). Both offer tax advantages, but they work very differently. Understanding those differences can help you make smarter decisions for your unique…
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What Does Planning Before Retirement Look Like?
What Does Planning Before Retirement Look Like? Retirement isn’t just the end of a career — it is about having the financial freedom to spend your time the way you choose. For that to happen, thoughtful planning is essential. Whether retirement is five years away or you are just starting to think about retirement, the…
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What is a Separately Managed Account and How Does it Work
What is a Separately Managed Account and How Does it Work What Is a Separately Managed Account and How Does It Work? A Separately Managed Account (SMA) is a discretionary investment portfolio in which an investor holds individual securities that are selected and managed by a professional portfolio manager. Unlike pooled investment vehicles, such as…
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Active vs. Passive Investing: What Strategy Fits Your Financial Goals?
Active vs. Passive Investing: What Strategy Fits Your Financial Goals? The distinction between active and passive investing remains a central topic in investment management. Each approach is grounded in a different methodology, and understanding their respective characteristics can help investors determine which structure best supports their financial objectives. Exploring the Differences Active investing is characterized…
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What is Discretionary Portfolio Management and is it Right for You?
What is Discretionary Portfolio Management and is it Right for You? Managing personal investments can require significant time and attention, particularly as asset levels grow and financial markets evolve. Discretionary portfolio management is one option available to investors who prefer to delegate day-to-day investment decisions. The following outlines how this approach works and the types…
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