Sage Advice

The Ontario Retirement Pension Plan: Who is REALLY benefiting?

Posted on: June 5th, 2015 by Kevin O'Brien No Comments

The Ontario government has gone ahead and established an Ontario Retirement Pension Plan (ORPP); this plan is for employees with no pension plans or for those who have pension plans that the provincial government considers inadequate. The new ORPP is a mandatory pension that forces workers to contribute 1.9% of their annual pay (to a […]


CFP Compensation

Posted on: February 11th, 2015 by Kevin O'Brien No Comments

Having a Certified Financial Planner to guide you through the complicated realms of finance and investments is critical to your financial future. But do you know how your advisor is compensated? The two most popular methods of compensation are commission or fee based. Commission Advisors With commission there are two different types; front-end-load where the […]


Happy New Year 2015!

Posted on: December 31st, 2014 by Kevin O'Brien No Comments

It’s funny how at the beginning of the New Year we make resolutions to change something in our lives. The success rate is usually hit and miss for most of us. Want to try something new this year? I’m going to share with you a method to make your New Year’s resolutions more of a […]


Becoming Financially Independent: Habits to Make You A Millionaire

Posted on: October 30th, 2014 by Kevin O'Brien No Comments

Source: Alexandra Talty, Forbes, September 29, 2014 Fall has started, and for many, it is time to put your nose to the grindstone at work. The next few months are the perfect time to reset your wallet and focus on your long-term financial goals, ahead of the Christmas shopping season, when restraint and moderation tend […]