The key to migrating client activity to the web is to complement the human experience, not to replace it
The development of detailed standards for risk-tolerance assessment will enhance consumer protection and help advisors and their dealers reduce their exposure to claims and disciplinary…
The cases involving advisors who tried to find loopholes to boost their AUA and, thus, remuneration, reveal that the system we have in place is…
Although concerted lobbying effort led to a temporary reprieve for T1135 reporting in the 2013 taxation year, a more permanent solution is required
There are three key issues of contention with the private member’s bill that aims to regulate financial advisors in Ontario
Changing the way Canadian companies report on environmental, social and governance factors could have a material impact on their stocks
You can take a horse to water, but you cannot make it drink. So, make sure you work with clients who are willing to work…
The feds have eliminated two commonly used tax planning techniques involving trusts
The Advocis proposal will cause unnecessary duplication and cost for the oversight of financial advisors, and it misses the mark for regulating financial planners
FAIR Canada supports exemptions that have the key features of rights offerings or private placements in compliance with the TSXV’s private placement rules
Changes in fashion are a reflection of how much people change — and why you should meet with clients annually to see what’s going on…
There are three key strategies you can discuss with clients to help them get a head start on the 2014 taxation year
Current regulations assume that an investor’s wealth is a proxy for sophistication. This has to change
Paying fees for financial advice separately from those of financial products would result in price competition and better advice
Ontario intends to harmonize its rules regarding the offering memorandum with other provinces; the question is, why would it want to given the experiences seen…
Services include addressing investor requirements and mitigating compliance risk
Alain Brisebois of CWP Energy discusses these often-misunderstood products
Erika Toth of BMO Global Asset Management shares her thoughts on the ETF landscape
Four takeaways from a fireside chat with Ken Bentsen and Urban Funered
SIMA’s three-step plan tackles RRIF rules, investment management fee taxation and more
Government policies must align with economic realities and demographic trends
Client-facing technology plays a vital role in achieving organic growth
Engage younger investors on their terms
Advisor time constraints, attrition are controllable factors
Expect low- to mid-single-digit returns long term, and there are storm clouds on the horizon
The differences between evergreen and traditional private investment funds, and the importance of due diligence
Regulatory efficiency saves costs and ultimately benefits investors
Advisors play an important role in enhancing resiliency
The best solution to the complex transition may be flexibility
30 years after the launch of what would become FP Canada, the modern profession has learned 5 important lessons
We need to show young talent how rewarding the profession can be
Why financial planners and other financial services professionals work better together
The insurance industry is taking a page from the mutual fund industry, leveraging technology to address mounting disclosure regulations
AI is slowly making its way into the wealth-management industry and will ultimately transform financial advisors’ role
Blockchain technology may transform financial services just as peer-to-peer file-sharing technology changed the music industry almost 20 years ago
Focus on the end-to-end advisor experience with tools and implement change management best practices
Start thinking differently about your retired and soon-to-be retired clients
Canadian women will control almost $4 trillion in financial assets by 2028, according to a CIBC estimate — yet they’re still poorly served by advisors
Continued growth and innovation are expected
Why one portfolio manager believes ETFs have revolutionized the investment landscape
Permanent insurance also has a host of other tax benefits
Federal budget did little to invigorate sluggish investment spending
Tech, profound shocks have changed investor behaviour
A new approach is needed to replace failed government programs
In his final column, Cary List shares his thoughts on the future of financial planning
The Financial Consumer Agency of Canada’s renewed national strategy for financial literacy can help Canadians focus on the future
Financial planners can play a key role in rebuilding Canadians’ confidence
They’re not right for all clients though, and not all advisors either
Read and follow your firm’s guidelines on social media use and take the necessary steps to protect yourself
Although it’s costly to upgrade key IT systems, the costs of not doing so could be much greater
Hacktivism, ideological insiders and intelligence gathering are key sources of cyberattacks threating financial services firms
Five messages that turn transparency into a competitive advantage
How to construct and reallocate portfolios through a risk-first lens
Correlated markets demand a new best practice in portfolio construction: 40/30/30
Recession is unlikely, but valuations are high — a neutral equity-bond asset mix and increased diversification are recommended
President Trump’s America First policies represent a ground shift, but it’s never a good idea to chase headlines
Agency provides examples of when income-earning purpose is met
Taxpayer penalized for overcontribution after relying on My Account information
Advisors should speak to clients annually about crystallization
Clients walk into bank branches expecting access to a mix of competitive products — that's not what they get
Efforts to loosen oversight and boost growth are misguided — we should take a lesson from Australia
If firms’ processes work for ETFs but not for proprietary, illiquid or complex products, then the reforms have failed
Financial planners and financial advisors need to understand millennials’ preferences to gain their trust and business
Financial advisors can build deeper connections with clients by using active listening skills
Financial advisors should be aware of how to identify and engage effectively with vulnerable clients
OSC document request set aside for being “unreasonable” and contrary to Charter of Rights and Freedoms
The ASC has sanctioned James Domenic Floreani, its first full proceeding against a finfluencer
How a company takeover won a group of dissenting shareholders 5 times the trading price
Advisors and their clients stand to benefit when corporate leaders focus on building socially and environmentally responsible enterprises
A growing base of investors are looking for investments that contribute measurably to environmental and social sustainability
Corporate boards and executive teams that lack gender and cultural diversity risk missing out on opportunities to generate long-term value
Those still timorous and uncertain about introducing a best interest duty have a duty, themselves, to become decisive
Every company can calculate non-GAAP metrics however they want, so there’s real risk of investors and markets being misled
Overcautious courts are erecting barriers to securities class actions, even though these lawsuits are essential for maintaining the integrity and fairness of our capital markets
Canada could see a general government debt-to-GDP ratio of 99% by 2027
Morningstar Canada's outgoing president and CEO made the industry better for advisors and their clients
Dr. Bonnie-Jeanne MacDonald presented the idea for a money-back guarantee to government representatives this fall — they should adopt it
Public database of proxy voting records aims to better align asset managers and owners
Evolving expectations leave some managers struggling
Opinion: The backlash has limited prospects for four reasons
Get the inside scoop, from fund features to volatility and risk
Volatility is stressful but not novel, and ETFs can work in a jarring investing climate
An enhanced Canadian ESG identification framework is advancing on a foundation of international and domestic norms
Identify companies that understand the difference
Help clients identify companies with meaningful purpose
The increase in ESG reporting hasn’t been accompanied by improvements to society and the environment
6 conversation-starters that will resonate with Millennials and Gen Z
How to know if a client relationship poses a potential conflict and what to do about it
How to get to the next generation by solving for your elderly clients’ pain points
Beware of shiny objects — with market froth waning, fundamental strength will overtake momentum next year
Markets cling to optimism as geopolitical and economic uncertainty test the limits of investor faith