After being approved for a U.S. visa, a friend of mine got her passport back from the consulate, turned the page, and gasped, ‘That’s not my photo!’ (True story!)

You’d never think that an error like that could happen, especially…

Did you know that the whole idea for insurance started out with the Phoenicians? They depended heavily on trade. Because shipping was expensive, and there was always the risk of losing ships and their cargo, they needed a way to…

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…

…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…

By Cindy Bowden 

It was 6 in the morning and I was just getting out of bed. OK I admit it. I was a little preoccupied with a client case I was working on. Maybe that’s why I didn’t…