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Author Archives: Brad Brain
Using leverage to help reach your financial objectives
“Used wisely, leverage can help you reach your financial objectives. But you do want to make sure the idea fits your situation, and that you understand the entirety of the strategy, including what could be daunting levels of risk. Certainly, you can cut a lot of wood in a short period of time with a…
Posted in All Columns, Investment Management, Risk Management
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Preparing for good health and success
“How are your finances positioned to sustain a multi-decade retirement? With medical advances plus better nutrition and health habits, there is a well-documented upward trend in longevity. It’s one thing to live a long time, its another to make sure that your money lasts as long as you do.” Smart Money_ Preparing for good health…
Posted in All Columns, Retirement Planning
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Don’t overthink it
“The way forward here is to focus on your real objective. There may be 1000 potential options, but if only 10 of them are consistent with helping you move toward your objective then you can quickly screen out all the ones that don’t fit and focus on the ones that do. After all, you don’t…
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Preparing for the inevitable
“If I was to tell you that there is something that is guaranteed to occur, would you do anything about it? What if I was to tell you that by taking action now you can significantly reduce expense, delay, and burden on your loved ones. Would you do anything?” Smart Money_ Preparing for the inevitable…
Posted in All Columns, Estate Planning
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Controlling your debt
“There are different types of debt, and some debt might even be considered as good debt. The best possible debt will be at a low interest rate, have tax advantages, and the money will be used to acquire an asset that appreciates in value. An example is an RRSP loan. These are available at low…
Posted in All Columns, Money Management
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Money should be your servant, not your master
“Money should be your servant not your master. Buying stuff is great. But taking 77 years to pay for it? That is money controlling you, and it should be the other way around.” Smart Money_ Money should be your servant, not your master – Alaska Highway News
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Good advice pays for itself
“It is true that good advice can pay for itself, but you will want to make sure that they advice that you are getting is good to begin with. Ask some questions, and find the right person for you to work with. For most people, that will be the important first step in achieving their…
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What I tell young people about financial success
“Most people will not really notice the difference in lifestyle today if, rather than spending 100% of their income, they live off 90% of their income, with the remaining 10% put towards their important financial goals. But if they spend all their money today, they will definitely notice it in the future when they want…
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Cost effective investment solutions
“Rather than costs, the most important thing is making decisions that are consistent with your objectives. If an investment does not fit your objectives and your risk tolerance, then its cost is moot. Please don’t buy investments that don’t fit your objectives, regardless of how cheap they may appear.” Smart Money_ Cost effective investment solutions…
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True life stories, lessons from a single momma
“She talks about the pain that accompanied the breakdown of her marriage. She talks about the challenges of “moving on.” She talks about re-entering the workforce with four kids (ages 4 to 11) when her previous life experience was focused on motherhood. She talks about how all this affected her relationship with her own parents,…
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