at Suite 302 - 3 Church Street, Toronto, M5E1M2 Canada
As a financial advisor, investment advisor and insurance agent we strive to provide comprehensive financial planning for a value price in Toronto and GTA.
Kurt Rosentreter is a Senior Financial Advisor with Manulife Securities Inc. For 25 years, Kurt has been one of Canada's best known financial experts and provider of common sense, value-priced comprehensive financial planning. With a team of seven assisting clients across Canada, Kurt has positioned himself as your "Family CFO" by focusing on your goals and cash flow to provide leading edge objective advice on retirement planning, real estate strategy, career finances, investing and investment products, tax planning, life and disability insurance, estate planning, children's savings, debt and a variety of specialty planning including divorce, career change and more. With an honours finance university degree, as a CPA CA, CFP, CLU, TEP, CIMA, FCSI, CIM, FMA, writer of seven personal finance books in Canada, respected media expert on money matters and ten year instructor of six personal finance courses to accounting institutes in three provinces, Kurt is a proven expert with strong technical skills and a commitment to education, transparent fees and good service. Sign up for Kurt's popular e-newsletter on financial strategies on his website at www.kurtismycfo.com Stocks, bonds and mutual funds are offered through Manulife Securities Incorporated. Insurance products are offered through Manulife Securities Insurance Inc. For Manulife disclaimers visit http://bit.ly/mdisclaimers
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Know what you plan to spend per year in retirement long before you retire - and see if you have enough to provide for this yearly. #retire
Bonds or bond funds in your RRSP? Individual gov't bonds or GICs offer more stability and simplicity short term if held to maturity.
Will planning tip: make all of your children co-executors or none but don't play favourites. It can destroy your family when you are gone.
Beware love - before your partner moves into a home you own, get briefed on your exposure to loss should the relationship break down.
Small business owners can control the fees built into their company group pension plan. Get a second opinion. #group RRSP #pensionplan
Pooled scholarship RESP plans are to be avoided. Fees. Complexity. Unit-talk instead of money. Can be hard to withdraw. #RESP #pooledRESP
Does your family know where your Will is? Give a copy to your Executors, family and financial advisors. #estateplanning #willplanning
Is credit card based travel insurance safe? Know what you are and are not covered for before you leave for a trip. #travelinsurance
Self employed can be financially worse than working for others. No benefits Few tax write-offs No pension No company stock Longer hours.
You can claim certain travel costs to visit doctors as a tax credit on your tax return in Canada. #taxplanning #medicaltaxcredit
Career change can hit hard financially: lost salary, bonus, company car, health insurance, stock options and other perks means plan ahead.
Forgetting to include a tax slip with your tax return now can cost you big penalties in Canada. Get informed. #taxplanning #personafinance
Beware creeping debt: the line of credit that seems to get bigger each year. Always have a plan to get to zero. Get help. #creepingdebt
Joint ownership of accounts and real estate can cause legal issues, tax issues and family issues. Get a plan first. #jointownership
A widow or widower who has never dealt with family finances should not be left alone with some financial advisors. #getaplan #secondopinion
You can open a brokerage account with $100, buy a stock, a fund and an ETF and start teaching your kids about finance. #personalfinance
Don't buy costly permanent life insurance until you are debt free, max-out RRSP and TFSA yrly and need insurance at age 90. #lifeinsurance
Don't keep your spouse in the dark about money matters. Telling them you are running out of money at age 72 will not go well. #retirement