Concept Financial Services

Marketing campaigns that focus entirely on fees mislead us to believe that low fees will automatically result in retiring 30% richer but this causes people to overlook other important things like actual rates of return. Low fees are good but if they come with low returns then that’s not good. Luckily, through WealthBar, I can offer lower fees combined with higher returns. It’s a win-win.

Please check out my new website for loads of information on your insurance and investment needs.

Are you concerned about the financial security of your family if something were to happen to you? Are you concerned about the safety and performance of your investments and/or retirement plans?

Getting an inheritance? Here are some ideas for what to do.

Last week I shared how WealthBar provides far superior investment options to Questrade.Click below for the numbers behind the claims.

Do those Questtrade ads get you excited? Retire 30% richer they say. I have run the numbers and out new WealthBar investment option beats the pants off of Questtrade. Sure they may have (very slightly lower) fees but you sacrifice big time in your rate of return. Our new PPI Valet and Essential ETF portfolios beat their Questtrade counterpart every time by 0.5-2% on annually. Over a 20 year period this adds up big time. We’re talking 10-40% richer over 20 years. Questtrade c...an make you 30% richer but our new WealthBar funds can make you 30% richer than Questtrade! So with Questtrade you get low fees but with WealthBar you get low fees AND higher returns! Use the link below to sign up today and start getting the growth you deserve for your money! https://www.wealthbar.com/v/advisor/andrew-connell-SGUZCN5t

Good financial habits can start young. Simple things first. Good ideas in this article.

WealthBar is here! And it’s awesome! Exclusive valet portfolios offered through me. Super Low Fees and less volatility means higher returns, less stress and more money in your pocket!! https://www.wealthbar.com/v/advisor/andrew-connell-SGUZCN5t

Happy Family Day everyone! Do you save for your kids future? You should be using an RESP. Why? The government provides a 20% match to your contributions! That adds up to a lot of free money!!! Up to $7,200 per child to be exact.

Want lower fees on your investments? WealthBar is here. Low fees. Exclusive ETF portfolios. More Details coming soon.

Here is a simple tool to help you figure out how much life insurance you need to take care of your loved ones.

IA has put out a new app for your smartphone. Now you can instantly sign in to check on your investments, access your most recent statements and tax receipts or look up your advisors (me) contact information.

Happy New year to all! As we all welcome in 2019, we all set goals for ourselves for the coming year. Some goals are about your health; live healthier, eat better, exercise more. Some goals are about your family; spend more quality time, watch less tv. Some goals are about your mental health and spiritual wellbeing; take time to relax and focus on yourself. ... Some goals are financial; save more money for a home or a car, for a vacation, for the kids education, for retirement, make sure your family is protected in case anything ever happened to you, make sure your income is protected in case you ever get too sick to work. Financial goals may seem overwhelming and you may not know where to start (maybe this is even why you haven’t started yet). The whole reason why I am in business is to make this simple; walk you through this step by step; teach you the fundamentals and how to build a strong financial base; and set a plan in motion so that starting today you are in better financial shape, more confident about your plan and your future, and no longer worried that your family and loved ones aren’t protected.

MONEY! You earn it, you save it, and somehow your baby still uses almost all of it. Follow some of our tips to avoid making the same financial mistakes that so many new parents have made before.

Canada Learning Bond (made simple) Think you don't have enough money to start a savings program for your kids? Think again! The government will give your children FREE MONEY for their education just for opening an account, you don't even have to make contribution. You could qualify to get up to $2000 for your child's education free from the government? All you have to do is open an RESP account and apply for the Canada Learning Bond. The government will deposit an initial $50...0 into your RESP and then an additional $100 per year for the next 15 years. The thing is, most Canadians who qualify for the Canada Learning Bond don't even know about it, don't apply for it and therefore don't get it. Don't let free money slip away! Your total family income must be below $42,707 for you to qualify for the Canada Learning Bond.

Canadian Education Savings Grant (made simple) For every dollar you put into your child's RESP, the government provides a grant of 20%. That's an instant return of 20% on your investment. Grant money is provided up to $500 per year and $7,200 lifetime. You could be eligible for additional grant money!... Depending on the income of the child’s primary caregiver, they may also be eligible for an Additional amount of Canada Education Savings Grant, which adds an additional 10 or 20 percent to the first $500 put into an RESP. See more

Registered Education Savings Plan (made simple) This is the single best savings program for your children's education. All the growth is tax deferred like an RRSP account and the beneficiary can use all the money TAX FREE to help pay for full-time or part-time studies: - in an apprenticeship program - at a CEGEP... - at a trade school - at a college; or - at a university In additional to the contributions made by you, there area several government grants available like the Canada Education Savings Grant and the Canada Learning Bond. What if they don't go to school? In this case, all contributions can be withdrawn without tax, but tax is paid on the interest and earnings within the account. Also, any grant money not used for education is returned.

September is National Life Insurance Awareness Month. This starts with taking a look at your current situation. Do you have life insurance in place? ... If so great! But now may be a time to review how much you have. Think about whether your circumstances have changed since you first purchased your policy. For example, have you taken on a larger mortgage, are you earning more money, do you have more children? If not, then you should really take a look at getting something in place. especially if you have a family, dependents, run a business, have outstanding debts, etc. Different stages of life have different needs. You’ll want to ensure that you’re sufficiently covered to protect your current assets and lifestyle. So ask yourself these questions: Do you have a life insurance plan in place? Do you need to extend your term? Do you need to re-jig your plan? Do you need to increase your coverage amount? Need help with any of this? Contact me for a free review and no hassle assessment!