Callan Wealth Management

Empowering Future Generations Through Financial Literacy

November 14, 2024

In Canada, November is recognized as Financial Literacy Month, making it an ideal time to dive deeper into what you know and where you can improve.

2024 U.S. Election and The Potential Impact on Our Portfolios

September 10, 2024

There is no doubt, however, that the current campaign is anxiety inducing for investors. Canada may be gearing up for its own divisive political battle, but its noisy neighbour is a behemoth that dominates news cycles. And just like a good horror film, these stories are full of jumps and nerve-shredding moments. It’s only human, therefore, to get caught up in these feelings.

Not Popping Champagne Just Yet, but a New Interest Rate Era has Begun

August 23, 2024

In the end, it was an anti-climax. After months of speculation and conjecture, the Bank of Canada has reduced its benchmark interest rate for the second successive time. But the markets, which had already priced the cuts in, gave an indifferent shrug.

Finding Income in Health Care

June 27, 2024

We have a philosophy that our client’s portfolios should produce enough annual income, dividends, or distributions to fund their retirement life.

Taking the Risk Out of Retirement Income

May 28, 2024

For those heading towards or already in retirement, now is not the time to gamble with your future.

Sharing is Caring – and More Tax Efficient

May 21, 2024

For those of you still shaking off the hassle of this year’s returns, the planning for next year should start now. And one way to stay a step ahead and to improve next year’s returns is income splitting.

Digesting the Proposed Capital Gains Tax Hike

May 14, 2024

History, ultimately, will be the judge of the recently proposed capital gains tax hike.

Income Tax Deadline Checklist

March 18, 2024

No sooner have you navigated the RRSP contribution deadline, then another key date looms into view – your annual income tax return. If only the world was so keen to remind you to watch movies or take a vacation!

The Value of Advice: Finding the Active-Passive Balance

February 27, 2024

For the most important aspects of your life, there is typically a half a dozen things that matter. Keeping healthy means daily exercise, eating well, a good night sleep, finding me time, positive personal relationships, and moderated drinking. Investing and accumulating wealth is no different, there are only a few things that really matter...

Couples and Money – A Beautiful Partnership

February 14, 2024

According to The Beatles, money can’t buy you love but as many people will attest, money can certainly destroy. Paul McCartney was always the Fab Four’s hopeless romantic.

How to Beat Blue Monday

January 12, 2024

When it comes to personal finances, January can be a month when the festive adrenaline eases and your own economic reality hits home. The cure lies in forward-thinking, positive mindset and goal setting.

Accumulation for Show, Decumulation for Dough

December 11, 2023

Even those who despise golf will likely have heard the saying, “driver for show, putter for dough.” The premise: that smacking the ball 300 yards looks great but the ability to get it in the hole is what determines success.

Invest or Tackle Debt with New Money?

November 6, 2023

You have just come into some new money from the sale of a business, an inheritance or just a big commission check. Regardless of the scenario, new money is the seed of your future, and you find yourself pondering what financial field to plant it in.

Preparing the Next Generation for Wealth

October 27, 2023

It sounds counterintuitive but words rather than numbers are likely to dictate the success of your family’s transfer of wealth. Most people turn to a financial advisor simply for a tax-efficient estate plan to ensure their heirs inherit as much as possible. But what good is that if the next generation are ill-equipped to deal with it, either because the money comes as a surprise or because they’re too entitled to handle such a windfall?

Tax Tactics for the Wealthy

July 25, 2023

Navigating the breaks and rules to your advantage is a legitimate tactic to not only keep more money in your wallet but also fuel your family’s legacy, whether that’s through charitable donations, community work, or simply ensuring the kids’ and grandkids’ futures.

Keep Calm…and Stay Invested

July 11, 2023

Even if you are a long-term investor with a well-diversified portfolio, market volatility has introduced many to negative statements for the first time. The instinct to look for safety and pull your money out of the market may be understandable but is potentially fatal to your retirement portfolio.

A Lifetime of Contributions

June 22, 2023

Making informed decisions when choosing a contribution plan is crucial as it sets the course for your investment journey.

Time is Your Quiet Investing Partner

June 19, 2023

Time is your greatest investing partner, but its value can be overlooked. Passive and quiet, this partner won’t bang on your door and say it’s time to get started, that part is up to you.

Not All Income is Equal - Three Categories to Consider in 2023

May 17, 2023

Now is a great time to look at your income investments. Recent interest rate hikes in North America have significantly reduced the prices, making 2023 an interesting entry point.

Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including Callan Wealth Management. As a client of Q Wealth, you may receive services from both Q Wealth and Callan Wealth Management. Note that individuals from Callan Wealth Management will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. Callan Wealth Management may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Saskatchewan, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, and an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit www.qwealth.com for more information.

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