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Focus on Financial Planning

Keith Costello

Keith Costello is president and CEO of the Canadian Institute of Financial Planners (CIFPs) and the Canadian Institute of Financial Planning (CIFP). Over the past 15 years, Costello has led the creation of educational solutions, practitioner support services and advocacy support for financial planners.

Financial advisors should be aware of how to identify and engage effectively with vulnerable clients

  • August 7, 2019 September 13, 2019
  • 17:02

Financial planners and advisors should be aware that the act may go beyond title protection

  • May 31, 2019 September 13, 2019
  • 15:54

Long-term investment portfolio values and retirement goals can suffer when your clients follow market irrationality

  • April 23, 2019 September 13, 2019
  • 15:43

Multiple rules and regimes mean increased costs for advisors, planners and clients

  • February 11, 2019 September 13, 2019
  • 06:00

Financial planners and financial advisors need to re-evaluate retirement planning processes to ensure they resonate with their clients

  • December 3, 2018 September 13, 2019
  • 05:30

Financial planners and financial advisors need to understand these individuals’ retirement challenges to gain them as clients

  • October 9, 2018 September 13, 2019
  • 06:00

Investing in elite businesses that pay steady and rising dividends has proven to be a strategy that works

  • August 13, 2018 September 13, 2019
  • 06:00

Financial planners and financial advisors need to understand the benefits and drawbacks of this new digital asset class

  • June 17, 2018 September 13, 2019
  • 19:00

Financial planners and financial advisors need to understand the market trends affecting financial planning and the evolution of advice

  • April 23, 2018 September 13, 2019
  • 06:00

Financial planners and financial advisors who embrace a cultural diversity strategy will realize growth in their practices

  • February 23, 2018 September 13, 2019
  • 14:30

More columnists

Investment Funds

Paul Bourque

Canadian investors value advice

Studies show investors are largely satisfied with the advice they receive

  • September 18, 2019 September 18, 2019
  • 16:36

Thinking outside the box: the CSA as a fintech adopter

The CSA’s renewed system project is an opportunity for the regulator to innovate

  • July 18, 2019 September 13, 2019
  • 15:34

The value of asking clients for a trusted contact

Getting a contact name early can help advisors manage issues before they arise

  • May 15, 2019 September 13, 2019
  • 16:00

Applying a behavioural lens to improve financial disclosure

Research shows that behavioural insights can improve the way information is shared with investors

  • March 13, 2019 September 13, 2019
  • 16:40
Technology

David Reeve

The emergence of the hybrid advisor

How embracing technology can help you build stronger client relationships

  • September 13, 2019 September 16, 2019
  • 16:24

Planning for wealth management in 2030

Demographic changes will dramatically alter advisory practices

  • July 19, 2019 September 16, 2019
  • 16:15

Preparing for the intergenerational wealth transfer

As millennials inherit their parents’ wealth, advisors will need to evolve their business practices

  • May 24, 2019 September 16, 2019
  • 16:56

How to increase digital adoption for client wealth reporting

Three key steps to improve investor engagement and advisor success

  • April 5, 2019 September 16, 2019
  • 13:48
Advisor at Risk

Ellen Bessner

Managing clients — especially couples — can be challenging

Situations become complicated when couples aren’t on the same page about their goals

  • September 6, 2019 September 18, 2019
  • 17:05

When a client names you executor of their estate

IIROC and MFDA advisors could lose their licence if they act as an executor and/or beneficiary

  • August 9, 2019 September 18, 2019
  • 17:13

Succession for advisors

Don’t leave your dependents in the lurch

  • July 12, 2019 September 18, 2019
  • 15:47

Avoiding conflicts in soliciting arrangements

IIROC and the CSA have provided new guidance to dealers

  • June 14, 2019 September 18, 2019
  • 15:24

Could ETFs cause a market crash?

Debunking the myth that ETFs cause market instability

  • September 3, 2019 September 14, 2019
  • 15:00

Debunking the ETF liquidity myth

There’s more to determining an ETF’s liquidity than just looking at its trading volume

  • July 2, 2019 September 14, 2019
  • 16:00
Tax Matters

Jamie Golombek

Advisors can help clients avoid TFSA overcontributions

Investors who may have overcontributed to their TFSAs face harsh penalty tax

  • August 30, 2019 September 13, 2019
  • 15:57

‘Loss of source’ rule may come in handy

Investors who borrowed money to purchase a now-defunct investment can still write off interest on the loan

  • August 2, 2019 September 13, 2019
  • 16:48

New stock options rules introduced

What advisors need to know before the rules take effect in January

  • July 5, 2019 September 13, 2019
  • 16:21

Appeal Court upholds RRSP overcontribution penalties

Recent FCA case confirms lower court decision denying relief of overcontribution tax, penalties and interest

  • June 7, 2019 September 13, 2019
  • 14:34
Focus on Financial Planning

Cary List

Leveraging behavioural economics to improve client outcomes

Financial planners need a strong understanding of the behavioural factors that come into play when creating and implementing a financial plan

  • August 23, 2019 September 18, 2019
  • 17:24

A welcome new regulatory era in Ontario

The FSRA’s regulation of advisor and planner titles could influence policy in other jurisdictions

  • June 28, 2019 September 18, 2019
  • 13:43

Long overdue title protection coming to Ontario

But the devil will be in the details

  • May 3, 2019 September 18, 2019
  • 16:49

Now is the time to regulate financial services titles

Consumers expect professionalism and true value from financial advisors

  • March 8, 2019 September 18, 2019
  • 17:00
Responsible Investing

Dustyn Lanz

New diversity data coming for responsible investors

Upcoming disclosure requirements will provide a wealth of diversity data that goes beyond gender

  • August 16, 2019 September 14, 2019
  • 15:55

Sustainable finance: three things advisors need to know

What is sustainable finance, and what does the recent report from Canada’s Expert Panel on Sustainable Finance mean for advisors?

  • June 21, 2019 September 14, 2019
  • 13:49

Gender lens investing

Men hold the vast majority of board seats and CEO positions in Canada. Gender lens investing aims to close the gap.

  • April 26, 2019 September 14, 2019
  • 16:00

Impact investing goes public

Growing awareness of social and environmental problems has laid the foundation for impact investing

  • March 1, 2019 September 14, 2019
  • 16:00
Industry Perspectives

Ian Russell

Lessons from the recent GMP Capital transaction

Why well-managed small and mid-size independent dealers are competing effectively

  • August 15, 2019 September 18, 2019
  • 12:33

Streamlining eDelivery for prospectuses

How the “notice and access” mechanism for proxy voting could be extended to other documents

  • June 12, 2019 September 18, 2019
  • 15:38

The OSC Burden Reduction Task Force can make a difference to clients

Lower compliance costs will allow advisors to better serve smaller investors

  • April 16, 2019 September 18, 2019
  • 17:09

Investors can benefit from regulatory streamlining

Clients have demanded an integrated platform of products and services driven by their desire for convenient, one-stop shopping

  • February 14, 2019 September 18, 2019
  • 06:00
Focus on Financial Planning

Keith Costello

Vulnerable clients need special care and due diligence

Financial advisors should be aware of how to identify and engage effectively with vulnerable clients

  • August 7, 2019 September 13, 2019
  • 17:02

Deciphering Ontario’s Financial Professionals Title Protection Act

Financial planners and advisors should be aware that the act may go beyond title protection

  • May 31, 2019 September 13, 2019
  • 15:54

Helping clients avoid market groupthink

Long-term investment portfolio values and retirement goals can suffer when your clients follow market irrationality

  • April 23, 2019 September 13, 2019
  • 15:43

Harmonization is the key to reducing regulatory load

Multiple rules and regimes mean increased costs for advisors, planners and clients

  • February 11, 2019 September 13, 2019
  • 06:00

When and why to use factor investing

Part 2 of a series on multi-factor ETFs

  • August 6, 2019 September 14, 2019
  • 16:00

The benefits of factor-based investing

Why to consider multi-factor ETFs

  • April 30, 2019 September 14, 2019
  • 12:26

Constructing ETF portfolios

The amount of time and effort put into deciding the benchmark for each portfolio you build is critical

  • February 4, 2019 September 14, 2019
  • 06:00

Making the paradigm shift to ETFs

One advisor shares her journey on making the switch to a fee-based practice focused on providing client portfolios of ETFs

  • November 8, 2018 September 14, 2019
  • 06:15
Compliance CX

Susan Silma

Protect your vulnerable clients while protecting yourself

How advisors can guard their vulnerable clients from financial exploitation and avoid the risk of regulatory action

  • July 24, 2019 September 13, 2019
  • 17:09

Is technology encouraging short-term thinking in clients?

For clients, information on their investments is now just a click away. Advisors can help minimize their overreaction to market movements.

  • May 22, 2019 September 13, 2019
  • 17:30

Focus on people, not just products

Increase engagement by focusing on your client’s goals rather than only the details of their investments

  • March 20, 2019 September 13, 2019
  • 15:50

Improve client engagement with technology

Advisors could use technology to make necessary processes less cumbersome and more understandable for clients

  • January 24, 2019 September 13, 2019
  • 06:00

Technology will drive harmonization, regulators say

The insurance industry is taking a page from the mutual fund industry, leveraging technology to address mounting disclosure regulations

  • January 2, 2018 September 13, 2019
  • 10:30

AI is not just another fad

AI is slowly making its way into the wealth-management industry and will ultimately transform financial advisors’ role

  • October 29, 2017 September 13, 2019
  • 13:00

Is financial services the next music industry?

Blockchain technology may transform financial services just as peer-to-peer file-sharing technology changed the music industry almost 20 years ago

  • September 4, 2017 September 13, 2019
  • 17:00

Clients want humans, not robots

Far from replacing interaction with real people, technology strengthens the financial advisor’s client service

  • July 10, 2017 September 13, 2019
  • 05:00
Cybersecurity

Yan Huard

Managing the risks related to social media

Read and follow your firm’s guidelines on social media use and take the necessary steps to protect yourself

  • September 20, 2017 September 13, 2019
  • 16:20

Why security professionals fell short on ransomware attacks

Although it’s costly to upgrade key IT systems, the costs of not doing so could be much greater

  • July 27, 2017 September 13, 2019
  • 05:00

Cyberthreats extend beyond money

Hacktivism, ideological insiders and intelligence gathering are key sources of cyberattacks threating financial services firms

  • May 25, 2017 September 13, 2019
  • 09:30

Cloud computing: Bringing light to security issues

Now is the time to adopt a concerted cloud migration strategy because the security challenges associated with this technology will be on our radar screens…

  • March 23, 2017 September 13, 2019
  • 06:00
Responsible Investing

Deb Abbey

The need for sustainable business supply chains is growing

Advisors and their clients stand to benefit when corporate leaders focus on building socially and environmentally responsible enterprises

  • February 21, 2017 September 15, 2019
  • 06:00

Opportunity knocks for investors who want to make an impact

A growing base of investors are looking for investments that contribute measurably to environmental and social sustainability

  • October 20, 2016 September 15, 2019
  • 05:00

Diversity makes dollars and sense

Corporate boards and executive teams that lack gender and cultural diversity risk missing out on opportunities to generate long-term value

  • August 18, 2016 September 15, 2019
  • 05:00

Good corporate governance matters

You can play an active role in ensuring company executives and directors are working in the best interests of their shareholders

  • June 16, 2016 September 15, 2019
  • 05:00
Protecting Investors

Neil Gross

Be bold, regulators

Those still timorous and uncertain about introducing a best interest duty have a duty, themselves, to become decisive

  • October 31, 2016 September 13, 2019
  • 05:00

Non-GAAP metrics: investors’ little helpers or harmful nonsense?

Every company can calculate non-GAAP metrics however they want, so there’s real risk of investors and markets being misled

  • October 3, 2016 September 13, 2019
  • 05:00

Class dismissed

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

  • September 6, 2016 September 13, 2019
  • 09:00

Why is deficient issuer disclosure allowed to persist?

Data show that investors routinely receive, or are at risk of receiving, seriously bad disclosure from reporting issuers more than a quarter of the time

  • August 8, 2016 September 13, 2019
  • 06:30
Protecting Investors

Ermanno Pascutto

The CSA must act on critical reforms

Two key issues — the best-interests standard and reform of mutual fund fees — require timely and effective action

  • March 2, 2014 September 13, 2019
  • 16:31

Treat shareholders fairly when venture issuers raise capital

FAIR Canada supports exemptions that have the key features of rights offerings or private placements in compliance with the TSXV’s private placement rules

  • February 3, 2014 September 13, 2019
  • 06:15

Reform of accredited investor exemption is needed

Current regulations assume that an investor’s wealth is a proxy for sophistication. This has to change

  • January 6, 2014 September 13, 2019
  • 06:30

Canadians deserve real price competition in mutual funds

Paying fees for financial advice separately from those of financial products would result in price competition and better advice

  • November 25, 2013 September 13, 2019
  • 06:00