Girard Wealth Management
101-725 Skeena Street V5K 4P4 Vancouver, BC, Canada

Mortgage rates have been moving lower, get in touch with your mortgage broker if you're interested in a purchase, refinance or renewal.

Just as the writer says, sorry for the radio silence but real work got in the way of posting on social media about work :)

2018 was another rough year for actively managed funds, putting more pressure on fund companies to lower fees and tighten compensation for advisors.

This is a good reminder that it's important to understand how financial products work. Credit card protection insurance like most mortgage protection insurance sold through banks or credit card companies rarely pay out and carry numerous qualifications.

More studies that imply challenges to oil and gas companies going forward. Every challenge is an opportunity as well as innovating and divestment move forward.

Visitor day in 3 weeks! Looking for businesses who want to join our chapter to get referrals, grow their business and expand their networks.

Canada is the only jurisdiction where its legal to sell the products of the company you work for to your clients. This is a model that is exposing Canadian investors to higher fees and lower performance compared to American ones.

Some really interesting thoughts in here about how we measure ourselves and how it affects our happiness. And why are we working, saving and planning if not for happiness?

A link from our of our partners, Genus Capital, a global leader in socially responsible investing and a great local company producing very good results for clients.

Here is some commentary on the proposed steel and aluminum tariffs may have knock on effects that are negative for other US industries at home and abroad. Perhaps after some dialog the government will rethink the wisdom of this move, which caught lots of people by surprise.

"OSC vice-chair Grant Vingoe said, "We have been clear all along that we support a best-interest standard and are prepared to demonstrate leadership here. It's what investors expect and deserve. This is about doing the right thing and fulfilling one of our greatest responsibilities as a regulator: delivering effective investor protection to the public we serve." This is an idea that was abandoned in 2017 in discussions about establishing a national securities regulator. Despite being supported strongly by the Ontario Securities Commission it was opposed by BC, Alberta and Manitoba's. Our model was designed to remove conflicts of interest and better serve our clients, hopefully it's a direction that we see the industry moving in.

Some great thoughts from Rox Fox of Glidepath on how the industry is changing to become more client-centric and less of a sales machine. "'Financial advice has too often been provided by specialists, such as mortgage and insurance brokers, and mutual fund salespeople. That leaves clients with transactional information divorced from holistic financial planning. In contrast, he says, a financial planner is a generalist, who can assess financial health and then refer out as required, while being accountable to the client for the overall plan (though financial planners can also specialize)."

This article really sets a low bar, congratulating companies where only 1 in 6 clients is seriously considering changing advisors or where 1 in 5 clients think you're innovative....

Robo-Advisors are inspiring changes to the industry but aren't exactly taking over the market...