Why You Don’t Need 100k to Get Started
There is no minimum amount of money that you need to become a client with us. You don’t need to have 100k ready to invest and you don’t need to have thousands for an upfront fee. And that’s because we’re in the business of helping people build wealth, regardless of...
The Secret to Guilt-Free Spending
When you don’t have a foolproof system in place for handling your cash flow, you can end up feeling like you’re always overspending and never saving enough. Every time you order food or buy something online, every dollar you spend gets tinged with shame and guilt....
Emergency funds aren’t just for defence. They help you play offence.
Lots of people think having an emergency fund sounds boring. But the truth is that having a few months of expenses saved up and ready to go is actually pretty sexy. First off, it’s huge for peace of mind, and using money to relieve stress is almost always a bargain....
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Don’t confuse new deposits for investment returns.
Lots of investment platforms lump together new deposits and investment returns. So if you just opened your TFSA last year, popped in $5k to start, then deposited another $5k this year, all of a sudden your account might tell you that you’re up over 100%. Woot! Only...
How to Overcome Form Filling Anxiety
So here’s a real thing that way more people experience than you probably think: form filling anxiety. Filling out forms can be really intimidating for a lot of people. They see all the blanks and immediately get overwhelmed. Their mind starts racing, worrying about...
Early wins that could help you get started.
When you’re trying to make moves to improve your financial situation, it can be hard to figure out where to start. Here are some ways I help clients secure early wins: * Switch to a no-fee bank account * Move credit card debt to something with the lowest rate possible...
Why You Should Get Rich Slow
Everyone likes the sound of getting rich quick, but I tend to think the slow way is better. Getting rich quick is overrated for a few different reasons, all kind of related: One, it tends to be super risky. That means the vast majority of people who try will fail, and...
Did you make this life insurance mistake?
When most people think about the purpose of life insurance, they think about covering their funeral expenses and their debt (typically their mortgage in particular). And as a minimum or a starting point, maybe that’s okay. It’s certainly better than nothing. But it’s...
Don’t invest in companies just because you like them.
One of the worst and weirdest investment tips is to invest in companies you use, know or like in your personal life. There’s simply no reason to believe this is a good strategy. Your favourite brand could easily be a terrible business. Or could be overvalued already....
What’s your #1 money goal for 2023?
When it comes to setting financial goals, it’s easy to get overwhelmed. Sometimes, in the beginning, it’s best to focus on tackling just one specific goal. Make it manageable. Create some momentum. Then see where you can go from there. A few good places to start: 1....
Do your finances keep you up at night?
Giving our clients peace of mind is a big area of focus at Tallkirk Financial Group. We know financial stress and anxiety hurts people’s quality of life and is a huge source of frustration in people’s relationships. It’s hard to enjoy precious moments when you’re...
The Positive-Sum Nature of Financial Advice
One of the best ways to spend your resources is to invest some of them into making more. So you spend some energy exercising or walking in nature because they give you energy. You get more back than you put in and create a virtuous cycle. They’re positive-sum...
Talking about money can be easier than you think.
One thing we take pride in at Tallkirk Financial Group is being easy to talk to. That might sound soft or squishy or insignificant at first. But we actually think of it as an essential part of what we do. Because if you can’t talk freely with us, we can’t put together...
3 Ways Grandparents Can Use Insurance to Help Their Grandkids
Insurance is one of the best tools grandparents can use to set their grandkids up for success later in life. There are three ways to do it: 1. First and foremost, insurance plays a key role in estate planning because it’s an effective and tax-efficient way to pass...
You need way less than you think to get started.
One of the big reasons people don’t get help with their finances is that they build it up in their heads. They think they need to have all their paperwork organized, their notice of assessment, their last pay stub, their bank statements, their current investment...