Cindy Bowden Insurance and Benefits

A few months ago, a client asked me to chat with their 20-something nephew about financial planning. He understood that he did not truly understand the complex financial situation that young people face today. In some ways, it’s no different…

“Mann Tracht, Un Gott Lacht” is an old Yiddish proverb that means, “Man Plans, and God Laughs.”  The paradox of planning has never been more stark than in the past year. With unexpected lockdowns, travel cancellations, and all this other…

In all my years as an accredited Chartered Life Underwriter*, I’ve been through seven recessions. And while this one is very, very different in some respects, it’s already showing many similarities to all seven I’ve had the good fortune to…

Santa has a lot of houses to visit — and only one night to do it all. The only way he gets it all done is with a plan. Sure, the elves help him make the toys, but it’s his…

…and by that I mean out of your retirement strategy!!!         

Look, we all know just about everything ebbs and flows, or swings in cycles – the seasons, economic activity, political leanings, interest rates… everything! And if you take a look…

Being backed into a corner always puts you in the worst possible position. That’s true in the boxing ring; it’s true when you’re painting your house; and, it’s true in retirement planning. 

And in a few years, that’s exactly the…

I was recently in a workshop in which the participants were asked, ‘what is the most valuable thing you do that your clients don’t even see?’ 

The responses were incredible – it made me realize how much we all do…

This is the time of year when we give thanks for what we have been blessed with, help others in need, and spend quality time with the people who are special to us. That got me thinking about the special…

By Cindy Bowden 

It’s spring – and tax time. Chances are you are getting advice from multiple different advisors about your tax and financial planning. And chances are, it’s all good advice… but some of the advice from one…

By Cindy Bowden 

Most of us wouldn’t dream about going through life without some kind of benefits package. One of the biggest benefits of a group plan is that you can get the health and dental coverage you need…

By Cindy Bowden 

Most people don’t ask enough questions about their retirement planning because either they don’t know what to ask, or they know what to ask but they are afraid of the answers. If you’re in one of…

By Cindy Bowden 

I am writing to you this month to alert you to an urgent proposed change in legislation that will affect how you pay for financial advice and services. In a nutshell, the Ontario government wants to…