EverNorth Wealth Advisory

The most apples to apples comparison of "Whole Life + IFA" vs "Buy Term & Invest the Difference" evernorthwealth.ca/articles/compa…

The VAST majority of whole life policies being promoted today favour the agent's financial success over the client. They max financial compensation to the agent. That's why Dave Ramsey and other financial commentators bash them.

Corporate Whole Life + IFA OR Buy Term + Invest the Difference Comprehensive report coming soon...

Tax Planning and Optimization for Incorporated Physicians evernorthwealth.ca/articles/tax-p…

The Complete Guide to CPP evernorthwealth.ca/articles/under…

With all the risks in life and business, portfolio stability/ reducing volatility is too often overlooked by the financial system. During times of change, avoiding losses can be 10x more important than earning high returns. evernorthwealth.ca/articles/how-t…

The Dragon Portfolio for Canadian Investors. evernorthwealth.ca/articles/the-d…

After 30+ years in this business, this is the best portfolio strategy I could find. evernorthwealth.ca/articles/how-t…

Canadian Doctors: Converting a medical company to a holding company at retirement evernorthwealth.ca/articles/conve…

Should Canadian doctors invest in an IPP, PPP, or perhaps HOOPP (ON)? evernorthwealth.ca/articles/indiv…

How can incorporated professionals address the 50k passive income limit? evernorthwealth.ca/articles/50k-p…

Should incorporated doctors build the RRSP or invest more in the corporation? evernorthwealth.ca/articles/rrsp-…

Should Canadian doctors take salary or dividends? evernorthwealth.ca/articles/salar…

A balanced analysis of infinite banking and whole life policies in Canada evernorthwealth.ca/articles/infin…

Current Shiller CAPE Ratio is approx 30. Historical mean is approx 17. The market is still tremendously over-valued. (logic that most weren't prepared for)

Adding alternatives (real estate, private equity, hedge funds, commodities, crypto) to a traditional 60/40 portfolio boosts returns, reduces volatility, and protects against market downturns long-term. Illiquidity requires care but rewards patient investors. #Investing

If you are a passive index investor today, remember that your philosophy is also to buy a business at any price the seller asks for, no matter how high. Passive indexing today is the polar opposite of value investing.

As of March 21, 2025, with gold priced at $3,052 per ounce, the average annual compounded return since August 15, 1971—when President Richard Nixon suspended the dollar's convertibility into gold at $35 per ounce—is approximately 8.80%. With zero taxable distributions.

@kinsellawarren I am not a Carney supporter. However he has made it this far always being arrogant and condescending. I don't think anything changed.

Mark Carney was condescending and arrogant towards female reporters asking completely legitimate questions about his wealth and conflicts of interest. He sounded like a total jerk. Couple more outings like these and his political career will come to a rapid close.

Very satisfying to send clients an email beginning with "The markets have been tanking, however your portfolio has held it's own quite nicely..."