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6 Tips for Succession Planning
6 Tips for Succession Planning
For business owners, succession planning should be a vital part of their strategy – even if the eventual exit from the enterprise is years or decades away.
Long-Term Focus Required
Long-Term Focus Required
Markets stabilized today after yesterday’s sell-off in U.S. equities left the S&P 500 Index down -3.1%, with losses in 13 of the last 14 days. Mixed corporate earnings and weak housing data fueled concerns that rising prices driven by the U.S.-China trade war, along with rising interest rates, are beginning to crimp economic growth.
Quarterly Program Commentary: Looking Beyond the Noise
Quarterly Program Commentary: Looking Beyond the Noise
This quarter, Wayne Gillespie, Director & Senior Portfolio Strategist, discusses how trade wars, interest rates and monetary policies are affecting Canadian and international markets. He also speaks to “market noise” and why recent downturns are a sign to be cautious not fearful.
Market Downturn is Short-Term Noise
Market Downturn is Short-Term Noise
The U.S. stock market has declined for six straight days. The S&P 500 dropped 3.3% on Wednesday – its largest single day drop since February 2018. By market close today it had dipped a further 2.06%. Stocks also fell in Canada and in markets across the globe.
Business Succession Planning 101
Business Succession Planning 101
Selling a business or passing it on to the next generation can be the most important financial event in an entrepreneur’s lifetime. But Canadian small business owners are not succeeding when it comes to succession planning, reveals a new IPC Private Wealth poll.
Introducing Alternative Investments
Introducing Alternative Investments
Managing volatility is important for all investors, but for those who have accumulated significant wealth, capital preservation is key.
The Allure of Alternative Investments in a Low Yield Environment
The Allure of Alternative Investments in a Low Yield Environment
It was about a generation ago when many low-risk fixed income investments could not only anchor a portfolio – they could boost overall performance. In 1995, a Government of Canada 10-year bond yielded 8%. A 5-year GIC, in 1990, paid over 10% annual interest.
Quarterly Program Commentary: Value and the U.S.
Quarterly Program Commentary: Value and the U.S.
This quarter, Wayne Gillespie, Director & Senior Portfolio Strategist, shares how U.S. politics and market performance is not only shaping the markets but the decisions we’re making. He also sheds light on some of the major themes we’re watching in order to protect portfolios.
Manager Insights – May 2018
Manager Insights – May 2018
Boris Kovtunenko from Acadian Asset Management and James Lampard from Lincluden Investment Management share their perspectives on the market, while Wayne Gillespie, Director and Senior Portfolio Strategist weighs in and highlights the value of portfolio construction.
Quarterly Program Commentary | Apr. 2018
Quarterly Program Commentary | Apr. 2018
This quarter, Wayne Gillespie, Director & Senior Portfolio Strategist shares how volatility returned to the markets this quarter and what strategies we implemented to protect our clients’ portfolios.
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Inheriting a responsibility
Inheriting a responsibility
Joy. Relief. Anxiety. Sadness. These are some of the emotions that people feel when they receive a large inheritance. While an inheritance allows you to put many of your financial concerns aside, you may also be dealing with the death of a loved one, which is never easy. It’s a strange situation for many people – enjoying your inheritance at your loved one’s expense.
Women and Wealth: Personalization Matters
Women and Wealth: Personalization Matters
Regardless of gender, a good financial plan is one that is unique to you and the goals you set for yourself. But a financial plan that works for the man in your life may not automatically work for you.
Protecting Your Children from Affluenza
Protecting Your Children from Affluenza
Imagine an affluent couple whose wealth is self-made after decades of hard work and disciplined financial planning. They have a child who’s 18. Now, the couple is giving serious thought to the handing down of wealth.
When Business Success Becomes Business Succession
When Business Success Becomes Business Succession
If you’re a business owner, you may have entertained thoughts of what’ll become of your business when you retire.
Quarterly Program Commentary | Feb. 2018
Quarterly Program Commentary | Feb. 2018
This quarter, Wayne Gillespie, Director & Senior Portfolio Strategist discusses positive performance in the markets and what detracted from growth.
Are your heirs in the dark?
Are your heirs in the dark?
A lack of communication between parents and children may be leaving inheritors are in the dark about their financial future and many benefactors risk not having their wishes carried out as planned.
Opportunity Exists in Retail
Opportunity Exists in Retail
Kim Shannon, the investment specialist for our North American Value equity mandate, reflects on what worked well in 2017 and how hype can reveal opportunity where least expected.
Understanding the Black Box
Understanding the Black Box
Sometimes quantitative modeling can feel like a black box. Tim Rudderow, President, CEO & CIO of Mount Lucas Management, gives an example that highlights how this approach may complement a portfolio.
Understanding Tax Overlay Management
Understanding Tax Overlay Management
Taxation on non-registered investments can significantly impact the value of your portfolio over time. So it’s always wise to minimize the tax you pay when you can.
When aging parents need financial help
When aging parents need financial help
When you think of parents becoming seniors and getting older, typical concerns around health issues come to mind. But financial issues can also arise. This article explores some of the ways adult children can help.
Infographic: Women and Wealth
Infographic: Women and Wealth
Life expectancies, generational wealth transfer and better career opportunities are just some of the reasons that women are going to be confronted with more financial decisions than ever before.
Quarterly Program Commentary | Oct 2017
Quarterly Program Commentary | Oct 2017
Wayne Gillespie, Director & Senior Portfolio Strategist, discusses how recent events, such as rising interest rates and geopolitical tensions have impacted the markets this quarter.
Minimizing Risk and Protecting Capital
Minimizing Risk and Protecting Capital
This quarter, the gradual rise of interest rates caused concern for some fixed income investors. With shorter term bond yields rising, longer term bonds have recently become less attractive.
Selecting the Best Ideas
Selecting the Best Ideas
In seeking the best ideas for a concentrated portfolio, Mel mentions how they look to include companies with a strong competitive advantage and management process.
Interest Rates to Blame? Maybe Not
Interest Rates to Blame? Maybe Not
This quarter, Peter discusses how growth has outperformed value and how that affected the North American dividend fund.
Are We Getting Complacent?
Are We Getting Complacent?
Despite geo-political events such as the issues between North Korea and the United States, Tim notes that investor behaviour and market performance have surprisingly remained complacent.
Inheriting a Fortune – What Now?
Inheriting a Fortune – What Now?
Marie Phillips, IPC Advisor from Ontario, joined Windsor's AM 800 cklw radio station to discuss the top things to consider when you inherit or win a sudden fortune.
Sudden Wealth – Is it a Dream Come True?
Sudden Wealth – Is it a Dream Come True?
Sudden wealth may seem like a dream come true, but after the shock wears off there could be problems. In an interview with 660 News, IPC Advisor Melanie Twietmeyer from Alberta recommends taking a "no-decision" mindset and offers tips on how to choose an expert to help you.
How to Deal With Sudden Wealth
How to Deal With Sudden Wealth
Rob Harder, IPC Advisor from Winnipeg, joined Journalist and TV host Bruce Sellery on his podcast, to share tips on how to deal with a problem we all would love to have: sudden wealth!
The Sudden Wealth Paradox
The Sudden Wealth Paradox
Sudden wealth sounds like a nice problem to have, but it could come with some complications. Sam Febbraro, EVP, Advisor Services, sits down with Private Wealth Canada Online to share insight on how you can manage sudden wealth responsibly and face those challenges head on.
Should You Hold Gold?
Should You Hold Gold?
Holding gold bullion can potentially add diversification, act as a safe haven and hedge against inflation. But you don’t need to buy the physical gold to achieve this. Read on to see the pros and cons before determining if gold is really a golden opportunity.
Quarterly Program Commentary | July 2017
Quarterly Program Commentary | July 2017
Wayne Gillespie, Director & Senior Portfolio Strategist, reviews some the performance contributors and detractors to our portfolios this past quarter.
The Mechanics of Downside Protection
The Mechanics of Downside Protection
Fixed income is a key part of any balanced portfolio aiming to reduce volatility in the overall portfolio while still contributing to total return. Listen to Geoff speak about what could pose a challenge to investors in the upcoming year. In this interview, he explains the mechanics of the core plus fixed income component and how it provides downside protection during rising yields.
Shifting Winds: Value to Growth
Shifting Winds: Value to Growth
In recent months there has been a shift from value investing to growth investing due to an artificially low interest rate environment. Mel cautions that while we cannot predict the future, value tends to outperform in the long term. He also discusses the volume of information that investors have access to through traditional and new media and explains Sionna’s approach to reducing the noise.
With Value out of Favour, Look for Opportunity
With Value out of Favour, Look for Opportunity
In our interview with Peter this quarter, he reminds investors that possible short term noise surrounding upcoming interest rate rises should not overshadow a muted long term impact on dividend paying stocks.
No Recession in Sight
No Recession in Sight
Despite the slow-growing economy and a flattening yield curve, Tim notes that a potential North American recession is not coming. The Fed is concerned about inflation levels, he adds, and their gradual and cautious pace of interest rate increases may lead to some “bubbly” areas within the market.
Is Your Corporate Surplus Optimally Invested?
Is Your Corporate Surplus Optimally Invested?
Are you a small business owner with a substantial amount of surplus cash just sitting in your corporate account? If you are, you could be missing out on an opportunity to make more money for your business. An Advisor can help you devise an investment plan based on your business needs and your personal goals.
Federal Budget Tax Change Could Cause a Cash Crunch
Federal Budget Tax Change Could Cause a Cash Crunch
In the recent federal budget, the government has proposed to eliminate the ability of designated professionals to exclude the value of work in progress (WIP) when calculating their income. For many professionals who run their own practice, this could be problematic, as it could mean paying more taxes upfront that will put a strain on their cash flow.
Quarterly Program Commentary | April 2017
Quarterly Program Commentary | April 2017
Wayne Gillespie, Director & Senior Portfolio Strategist, reviews some the performance contributors and detractors to our portfolios this past quarter. He also shares insight into how the different investment styles performed and discusses some of the securities that were harvested from portfolios for tax loss. Watch this interview to find out more.
Confidence in the Markets
Confidence in the Markets
Confidence around the world has improved a lot, notes Tim. If this optimism turns into actual growth, he adds, the markets may likely see further growth. In this quarter’s interview, Tim discusses the positioning strategy for the mandates and explains why Mount Lucas is investing in the international and emerging markets and what this means for their portfolios.
Pockets of Value
Pockets of Value
Investor optimism has shifted market performance such that the strength we saw in value stocks last year has since subsided. The markets are generally more expensive today and it is harder to find attractive names, explains Mel.
Surprises Post a Trump Election
Surprises Post a Trump Election
Since the election of Donald Trump as President of the U.S., the performance of the market has surprised observers. This is primarily because investors appear to be ignoring the risks and rewarding the potential positives.
Women and Wealth: 3 Ways to Reset Your Thinking
Women and Wealth: 3 Ways to Reset Your Thinking
It’s no secret that women today play a significantly larger role as business owners, entrepreneurs or senior executives – much more than they did 50 years ago. It’s an achievement worth celebrating every day, but more so today, as we celebrate International Women’s Day.
When a Spousal RRSP Still Makes Sense
When a Spousal RRSP Still Makes Sense
A spousal Registered Retirement Savings Plan (RRSP) is all about paying less tax during retirement. The higher income spouse contributes to the plan during working years, but withdrawals in retirement are favourably taxed in the hands of the lower income spouse.
Quarterly Program Commentary | January 2017
Quarterly Program Commentary | January 2017
In this video, Wayne Gillespie, Director & Senior Portfolio Strategist, shares a review of the trends and events that influenced the markets in 2016. Watch the interview to learn more about the activities, trades and manager changes that occurred in our IPC Private Wealth Income & Growth Portfolios and the outlook ahead.
Trump, Canada and Opportunities for U.S. Growth Equities
Trump, Canada and Opportunities for U.S. Growth Equities
The investment specialist for our U.S. growth mandate - Tom Marsico - shares how he thinks Trump’s policies could affect Canada and the current opportunities he sees for U.S. Growth Equities.
Investing Opportunities for International Growth Equities
Investing Opportunities for International Growth Equities
Jim Hall, Chairman and Chief Investment Officer of Mawer Investment Management, looks back on the markets over the past year, shares his predictions for 2017 and explains why it's important for investors to create a portfolio strategy that is resilient enough to weather uncertainties.
Trump and the Investing Environment in the U.S.
Trump and the Investing Environment in the U.S.
At our recent Toronto Due Diligence, we caught up with Tom Marsico, Founder, CEO and CIO of Marsico Capital Management to hear his views on Trump and how he believes the President's policies will impact the investing and business environment in the U.S.
The Impact of Policy and Politics on the Economy – A Distorted View
The Impact of Policy and Politics on the Economy – A Distorted View
Value, as an investment style, has struggled for several years. Mel Mariampillai discusses why this has been the case and how the mandate may react to the trend for pro-growth policies in the U.S.
A Dramatic Reversal of Sentiment
A Dramatic Reversal of Sentiment
In this audiocast, Tim Rudderow discusses the market’s surprising response to the recent U.S. election, and its potential effects on the Global Trend strategy. He also discusses the possible effects of protectionist policies in the U.S. and the potential consequences on international trade deals. He also touches on the consequences of, upward pressure on inflation and its effect on commodities. Finally, Tim gives his perspective on the recent sell-off on bonds.
Turning Investment Volatility into Tax Savings
Turning Investment Volatility into Tax Savings
You don’t need to wait until the end of the year to take advantage of this tax strategy. Our Portfolio Management Team practices tax-loss harvesting year-round on behalf of our investors. Our latest blog post discusses the benefits of tax loss harvesting.
IPC Private Wealth Income & Growth Portfolio – Strategies, Activity & Performance Review
IPC Private Wealth Income & Growth Portfolio – Strategies, Activity & Performance Review
In this interview, Wayne Gillespie, Director & Senior Portfolio Strategist, discusses some of the recent strategies, activity and performance for the IPC Private Wealth Income & Growth Portfolio. Watch the interview to find out how this portfolio has performed over the short and long-term periods and learn what the recent overlay portfolio management activities were.
U.S. Election Results | Interview with Wayne Gillespie
U.S. Election Results | Interview with Wayne Gillespie
Wayne Gillespie, Director, Senior Portfolio Strategist, discusses the outcome of the 2016 U.S. Election, the positioning in our portfolios, and shares his advice for clients.
The Battle for Equilibrium
The Battle for Equilibrium
Tim Rudderow discusses potential impacts of the U.S. election regardless of the outcome. He also talks about changes to the Global Trend model over the past quarter, and how the global oil situation has become the “battle for equilibrium”.
Increased Volatility Creates Value Opportunities
Increased Volatility Creates Value Opportunities
We have seen periods of relative weakness for value stocks over the past 18 months, Teresa Lee gives her thoughts on what’s happening and what it means for investors.
Diversifying a Portfolio with Alternative Investments
Diversifying a Portfolio with Alternative Investments
A common notion is that an alternative investment is an “out there” asset you hope will take off and give your portfolio a boost.
Hedge This Way to See How Currency Fluctuations Affect Your U.S. Investments
Hedge This Way to See How Currency Fluctuations Affect Your U.S. Investments
On Canada Day of 2014, the loonie traded at 94 cents U.S. At that time, the effect of the Canadian dollar on investment planning may not have been on your mind. But it’s a different story when the dollar’s fluttering in the high 70s or low 80s.
How a Loan to a Family Member Can Save You Tax
How a Loan to a Family Member Can Save You Tax
By changing the way you invest, you can enjoy tax savings of hundreds or even thousands of dollars every year. Instead of investing a given sum in your own account, have your spouse or another family member invest it.
Brexit – What Does it Really Mean to Us?
Brexit – What Does it Really Mean to Us?
Tim Rudderow recounts what’s happened in the markets since Britain voted to exit the European Union on June 23 and discusses its potential implication for interest rates and equity prices.
An Opportunity to Invest in Misunderstood Names
An Opportunity to Invest in Misunderstood Names
Britain’s vote to exit the European Union (Brexit) caused some volatility in the markets as the quarter drew to a close. We talked to Teresa Lee about her thoughts on the situation and what it means for investors.
Where is the Value?
Where is the Value?
In spite of some price volatility over the past few months, there are still sectors of the market where Sionna is uncovering value. This quarter, Teresa discusses why they believe there are opportunities to be found in the Energy and Financial sectors.
Negative Interest Rates in Canada?
Negative Interest Rates in Canada?
As Europe and Japan introduce negative interest rates to help lift their economies, what is the likelihood of negative interest rates for Canada? Ryan shares his perspective on the subject and discusses the short and long-term prospects of rates in Canada
Protecting Downside Risk
Protecting Downside Risk
The Global Trend Strategy has been out of international and emerging markets for some time due to several macro factors. Tim outlines the underlying reasons for staying out of these markets.
When an Inheritance Must be Equalized
When an Inheritance Must be Equalized
Consider yourself fortunate if leaving an inheritance involves the usual manner of dividing up your estate. In some cases, however, it’s not so straightforward.
A Choppy 2015, Where to in 2016?
A Choppy 2015, Where to in 2016?
Tim reviews some of the more prominent issues that affected the U.S. markets in 2015, and discusses how they are positioning the mandate during this time.
Is the Energy Sector a Value Trap?
Is the Energy Sector a Value Trap?
The Energy sector has witnessed sharp price declines, but is the sector now presenting a value trap for investors? Teresa Lee shares her thoughts on the sector and discusses why they believe there still are opportunities within the sector.
Leaving a Legacy to Charity Will Soon Have More Flexible Tax Benefits
Leaving a Legacy to Charity Will Soon Have More Flexible Tax Benefits
If you plan to leave gifts to a charitable organization in your Will, new regulations will give your executors more flexibility — and an opportunity to maximize the tax benefits for your estate.
Protection is Never Free
Protection is Never Free
How is the U.S. Federal Reserve’s action on interest rates influencing the markets? Tim Rudderow discusses his view on the subject and explains where he believes the current opportunities lie.
High Concentration in Energy and Financials
High Concentration in Energy and Financials
Ryan Bushell explains why the dividend mandates have a high concentration in the Financials and Energy sectors.
Volatility Not Necessarily a Risk
Volatility Not Necessarily a Risk
Volatility and risk do not necessarily mean the same thing. Teresa Lee explains how the current climate is serving up opportunities to invest in businesses that are undervalued by the market.
Financial Planning Doesn’t Retire When You Do
Financial Planning Doesn’t Retire When You Do
Ahh … retirement arrives and the living is easy. Wealth accumulation transforms to income generation, and you no longer have to worry about financial planning. Well, not exactly.
Protect Your Portfolio Against Investment Overlap
Protect Your Portfolio Against Investment Overlap
Right now, there may be something harmful lurking in your investment portfolio you don’t even know about. You might have more money invested in one particular security than you expected.
A Dividend Strategy is Purpose Driven
A Dividend Strategy is Purpose Driven
Ryan Bushell explains how and why a dividend investment strategy is the only alternative in today’s market for investors looking for a stream of high quality, sustainable income.
Financials and Energy Dominate Strategy
Financials and Energy Dominate Strategy
The Energy and Financial sectors continue to provide tremendous opportunities for investors in the value equity space.
Wide Disparity in Volatility Between Markets
Wide Disparity in Volatility Between Markets
In this episode, we discuss what this means for the Global Trend and the North American Sector Rotation strategies, and how investors are able to benefit from these strategies when markets are choppy.
Potential for Market Correction
Potential for Market Correction
Acadian Asset Management manages the North American Growth and the North American Equity High Income mandates.
Protecting Portfolios on the Downside
Protecting Portfolios on the Downside
Mount Lucas Management is responsible for managing the North American Sector Rotation and Global Trend Strategy mandates.
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