Financial Services and Planning

In this updated edition of one of the biggest-selling financial-planning books ever, David Chilton simplifies the complex puzzles of personal finance and helps you achieve financial independence. With the help of his fictional barber, Roy, and a large dose of humor, Chilton shows you how you can take control of your financial future-slowly, steadily, and with sure success. Chilton's plan (detailed in an entertaining story) is no get-rich-quick scheme, but it does make financial independence possible on nothing more than an average salary. Even if you consider yourself a financial "basket case," Chilton explains how you can easily put an effective financial plan into action.

The "The Wealthy Barber Returns" is written in a relaxed, humorous, conversational style that I found very appealing. It begins with some sage advice on the pitfalls of over-borrowing, describing the forces that draw us into debt traps and the basic human weaknesses that drive us to keep up with others in the quest to accumulate things that, in the end, are of little enduring value.

Doing well with money isn't necessarily about what you know. It's about how you behave. And behavior is hard to teach, even to really smart people.
Money--investing, personal finance, and business decisions--is typically taught as a math-based field, where data and formulas tell us exactly what to do. But in the real world people don't make financial decisions on a spreadsheet. They make them at the dinner table, or in a meeting room, where personal history, your own unique view of the world, ego, pride, marketing, and odd incentives are scrambled together.
In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the different ways people think about money and teaches you how to make better sense of one of life's most important topics.

Adopt the investment strategy that turned a school teacher into a millionaire Millionaire Teacher shows you how to achieve financial independence through smart investing -- without being a financial wizard. Author Andrew Hallam was a high school English teacher. He became a debt-free millionaire by following a few simple rules. In this book, he teaches you the financial fundamentals you need to follow in his tracks. You can spend just an hour per year on your investments, never think about the stock market's direction -- and still beat most professional investors. It's not about get-rich-quick schemes or trendy investment products peddled by an ever-widening, self-serving industry; it's about your money and your future. This new second edition features updated discussion on passive investing, studies on dollar cost averaging versus lump sum investing, and a detailed segment on RoboAdvisors for Americans, Canadians, Australians, Singaporeans and British investors. Financial literacy is rarely taught in schools. Were you shortchanged by your education system? This book is your solution, teaching you the ABCs of finance to help you build wealth. Gain the financial literacy to make smart investment decisions Learn why you should invest in index funds Find out how to find the right kind of financial advisor Avoid scams and flash-in-the-pan trends Millionaire Teacher shows how to build a strong financial future today.

The Value of Simple: A Practical Guide to Taking the Complexity Out of Investing is a plain-language how-to guide to investing for Canadians. Canada has the highest investment fees in the world, as well as a confusing tax system that features four-letter words like RRSP and TFSA. Fortunately there are low-cost index funds that make it easy and rewarding for you to become a do-it-yourself "couch potato" investor. With a focus on developing good processes to minimize the room for human error and step-by-step instructions, the book will walk you through the elements of managing your finances for the long term: how to devise a savings plan, stick to it through automation, determine how to allocate funds balancing risk and reward, invest using low-cost index funds, track your investments, and deal with the inevitable issue of taxation. Putting your money to work can look suspiciously like math at times, but this book lays out a simple approach that anyone can follow. Inside you will find tools and templates, along with easy suggestions and rules-of-thumb to help prevent analysis paralysis and get you started fast. Control what can be controlled; minimize fees and effort. Investing doesn't have to be complex to be successful. Keep it simple and you will succeed. This second edition is updated with revised processes at each of the three example institutions, as well as an introduction to a new alternative for Canadians: robo-advisors.

"Fred Vettese is the king of can-do retirement planning. Practical, clear advice from someone who knows what you're up against and has the answers." -- Rob Carrick, Globe and Mail Canada's most trusted resource on retirement income is now updated for tumultuous times. As the global economy faces uncertainty in the face of high inflation -- at levels not seen since the 1980s -- individuals in retirement or near to it are understandably anxious about their long term-prospects. Canadians need the tools to make better-informed choices to turn their retirement savings into retirement income for life. This completely revised and updated third edition: Explains how higher interest rates and higher inflation present both new opportunities and new challenges to retirees Illustrates how the expansion of the CPP (which started in 2019) will affect upcoming retirees Examines the impact of inflation on the deferral of CPP and OAS pensions Explores whether life annuities are still relevant and asks whether there are better products on the market Provides a revamped retirement calculator Actuary Frederick Vettese demystifies a complex and often frightening subject and provides practical, actionable advice. With over one thousand Canadians turning 65 every day, the cultivation of good decumulation practices -- the way in which you draw down assets in retirement--has become an urgent matter that no one can afford to ignore.

The host of the television program "Til debt do us part" presents a 5-step program to analyze spending, plan a budget, change old habits, eliminate debt, and create a savings plan for the future.

Today's Canadian student faces an uphill battle. Many young people can only look on as tuition fees and student debt loads skyrocket while their job prospects simultaneously plummet. Though More Money for Beer and Textbooks won't change this reality, it will help students navigate their way through the post-secondary landscape and emerge unscathed. Find out how a couple of dudes who drank too many frosty beverages and had as much fun as legally possible managed to finish their post-secondary journeys with no debt and promising careers. More Money for Beer and Textbooks includes updated information on: How Much Post-Secondary Education Will Cost Student Housing Options Applying for and Repaying Student Loans Partying without an Empty-Bank-Account Hangover Getting Great Part-Time and Summer Jobs Preparing Student Tax Returns What a Student Budget Should Look Like Saving Money on Textbooks Responsibly Using Credit Cards More tips for university can be found at http: //youngandthrifty.ca or http: //myuniversitymoney.com.

Personal finance is a lot like physical fitness. In order to be in better shape, everyone knows they have to work out and eat well. A personal trainer delivers results, not by showing clients a new way to perform sit-ups, but rather by simply making sure the sit-ups get done. In Stop Over-Thinking Your Money!, Preet Banerjee explains the financial equivalents of what exercise and diet you need to know in order to be in top financial shape. There are so many buzzwords in the world of money that most people's heads spin, their eyes glaze over, or they tune out altogether. It can be overwhelming, and for many of us, it seems like there is just too much to know so we don't get started on taking care of our money. The good news is that of all the information out there in the world of personal finance, at most you will only ever need to know about 20 percent of it. That small amount of knowledge is what will put you ahead of most Canadians. In Stop Over-Thinking Your Money!, Banerjee explains in five simple rules how to think about money and focus on the 20 percent of what you really need to know to confidently take charge of your money.

The personal finance book Canada is talking about. With personal savings lower than ever before and household debt going through the roof, many people are in dire need of financial advice. But can a book that includes sex, zombies, and Star Trek really help? You might be surprised. Wealthing Like Rabbits is a sharp, entertaining guide to personal finance that proves sound money management doesn't have to be painful and neither does learning about it. Combining a unique blend of humour and perspective with common sense, Robert R. Brown takes you through the basics of financial planning by using anecdotes and pop culture to shed light on some of the most important, yet often mismanaged aspects of personal finance.

Karin Mizgala and Sheila Walkington, co-founders of Money Coaches Canada, share their revolutionary, step-by-step money management system and show you how to reduce debt, improve cash flow, save, invest and plan for both short and long term goals. Their innovative, modern approach will put you on a path to a healthier relationship with money. By helping you focus on the right things at the right time, their 7 Stages of Financial Well-Being(R) will empower you to take control of your finances, create lasting behavioral change and achieve financial success on your own terms. Updated annually, Unstuck contains many of the same principles used with clients everyday by Money Coaches across Canada. Money Coaches Canada is the nation's leading provider of advice-only financial planning. Since 2010, the organization has helped over 1,500 clients achieve a greater level of financial independence.

The best-selling investing "bible" offers new information, new insights, and new perspectives The Little Book of Common Sense Investing is the classic guide to getting smart about the market. Legendary mutual fund  pioneer John C. Bogle reveals his key to getting more out of investing: low-cost index funds. Bogle describes the simplest and most effective investment strategy for building wealth over the long term: buy and hold, at very low cost, a mutual fund that tracks a broad stock market Index such as the S&P 500. While the stock market has tumbled and then soared since the first edition of Little Book of Common Sense was published in April 2007, Bogle's investment principles have endured and served investors well.  This tenth anniversary edition includes updated data and new information but maintains the same long-term perspective as in its predecessor.  Bogle has also added two new chapters designed to provide further guidance to investors:  one on asset allocation, the other on retirement investing. A portfolio focused on index funds is the only investment that effectively guarantees your fair share of stock market returns. This strategy is favored by Warren Buffett, who said this about Bogle: "If a statue is ever erected to honor the person who has done the most for American investors, the hands-down choice should be Jack Bogle. For decades, Jack has urged investors to invest in ultra-low-cost index funds.

The final word on passive vs. active investing The debate on active investing-stock picking and market timing-versus passive investing-markets are highly efficient and almost impossible to outperform-has raged for decades. Which side is right? In The Quest for Alpha: The Holy Grail of Investing, author Larry E. Swedroe puts an end to the debate, proving once and for all that active investing is likely to prove futile as the associated expenses-costs, fees, and time spent analyzing individual stocks and the overall market-are likely to exceed any benefits gained. The book Presents research, data, and quotations that reveal it's extremely difficult to outperform the market Explains why investors should focus on asset allocation, fund construction, costs, tax efficiency, and the building of a globally diversified portfolio that minimizes, if not eliminates, the taking of idiosyncratic, uncompensated risks Other titles by Swedroe: The Only Guide to Alternative Investments You'll Ever Need and The Only Guide You'll Ever Need for the Right Financial Plan Investors are on a never-ending search for a money manager who will deliver returns above the appropriate risk-adjusted benchmark, aka the "Holy Grail of Investing." The Quest for Alpha demonstrates that it's a loser's game-while it's possible to win, it's so unlikely that you shouldn't try.

In a time of rampant misinformation about ways of growing your money, Burton G. Malkiel's gimmick-free investment guide is more necessary than ever. Whether you're considering your first 401k contribution or contemplating retirement, the fully updated, fiftieth anniversary edition of A Random Walk Down Wall Street remains the best investment guide money can buy. Drawing on his experience as an economist, financial adviser, and successful investor, Malkiel shows why an individual who saves consistently over time and buys a diversified set of index funds can achieve above-average investment results. He addresses current investment fads and critically analyzes cryptocurrencies, NFTs, and meme stocks. Malkiel reveals how to be a tax smart investor and how to make sense of recently popular investment management techniques, including factor investing, risk parity, and ESG portfolios. Investors of every age, experience level, and risk tolerance will find the step-by-step guidance they need to protect and grow their dollars.

"In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. You''ll never find a wiser advisor with a bigger heart." -- Malachi Rempen

The companion book to the New York Times best-selling The Millionaire Next Door Is the millionaire next door still out there today? The latest research from Dr. Thomas J. Stanley and his daughter, Dr. Sarah Stanley Fallaw, confirms that yes, the millionaire next door is alive and well. And he's achieving his financial objectives much the same way he always has: by living below his means, by being a contrarian in a maelstrom of hyper-consumption, and by being disciplined in reaching his financial goals. The book examines wealth in America over twenty years after Dr. Stanley's groundbreaking work on self-made affluence. While a new generation of household financial managers is being inundated with the proliferation of financial advice, The Next Millionaire Next Door provides readers with an analysis of what it takes to achieve wealth with data-based conclusions and evidence from those who have built wealth on their own over the last two decades. In this current work, the authors detail how specific decisions, behaviors, and characteristics align with the discipline of wealth building, covering areas such as consumption, budgeting, careers, investing, and financial management in general. Through case studies, survey research, and a careful examination of quantitative studies of wealth, the authors illustrate what it takes to achieve financial success today, regardless of market conditions or rising costs. Book jacket.

In an age of great economic uncertainty when everyone is concerned about money and how they spend what they have, this updated edition of the bestselling Your Money or Your Life is an essential read. Millennial Money's Grant explains: 'The premise of it is that you exchange your time for money. And when you start thinking about how many hours of your life it took to save up the money to buy something, you really start thinking twice about your purchases.'

Make the big banks work for you, not against you!
You work hard. You sacrifice to save. You risk your money in the market over your working lifetime and you trust your bank to treat you fairly. But your bank strips away half of your lifetime investment returns in fees, costing you tens of thousands, or even hundreds of thousands, of dollars. Without realizing it, millions of Canadians are in precisely this position.
How does the industry pull this off? The big Canadian bank, and by extension our entire financial industy, brilliantly capitalize on the combination of individual investors' poor understanding of fees, deep loyalty, and misplaced trust by charging Canadians the highest investment fees in the world. There is a better way!
Larry Bates, a former senior banker and investment industry insider turned investor advocate, reveals industry secrets and tactics that most hard-working, hard-saving Canadians need to be aware of to beat the banks at their own game.

Globe & Mail bestseller! Invest in true success and live your best life Sure, money is important. And yes, it can make you happy - but only up to a point. The truth is, science has shown that we each have a set point that links our earnings with happiness; go beyond that point, and your happiness ceases to increase with income. In this illuminating guide to living a financially healthier, and happier, life, bestselling author and financial journalist Andrew Hallam demonstrates how you can optimize your income for maximum happiness by investing responsibly and living according to your values. You'll find tips for using robo investors, insights for investing in socially responsible funds, and how to craft a personal budget that aligns your spending with what you hold most dear. Drawing on behavioural science, evidence-based investing, and environmental science, he shows you how to start framing success in a way that actually brings happiness, not stress, into your life - by balancing your money, connection, health, and purpose. Whether you're a broke teenager, a middle-aged millionaire or someone who hopes to retire on a shoestring, we all have one thing in common: we want to enjoy our lives. That means living better and laughing more. It means caring for the environment and helping our children to succeed - while defining "success" the way we really should.

Seize control of your financial future with rock-solid advice from two of the world's leading investment experts Investors today are bombarded with conflicting advice about how to handle the increasingly volatile stock market. From pronouncements of the "death of diversification" to the supposed virtues of crypto, investors can be forgiven for being thoroughly confused. It's time to return to the basics. In the 10th Anniversary Edition of The Elements of Investing: Easy Lessons for Every Investor, investment legends Burton G. Malkiel and Charles D. Ellis deliver straightforward, digestible lessons in the investment rules and principles you need to follow to mitigate risk and realize long-term success in the markets. Divided into six essential elements of investing, this concise book will teach you how to: Focus on the long-term and ignore short-term market fluctuations and movements Use employer-sponsored plans to supercharge your savings and returns and minimize your taxes Understand crucial investment subjects, like diversification, rebalancing, dollar-cost averaging, and indexing So, forget the flavor of the week. Stick with the timeless and invaluable advice followed by the world's most successful retail investors.

As seen on the new NETFLIX series! The groundbreaking NEW YORK TIMES and WALL STREET JOURNAL BESTSELLER that taught a generation how to earn more, save more, and live a rich life--now in a revised 2nd edition.   Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you--automatically. Best of all, spend guilt-free on the things you love.   Personal finance expert Ramit Sethi has been called a "wealth wizard" by Forbes and the "new guru on the block" by Fortune. Now he's updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week program that just works.

In Living Debt-Free, Simmons focuses on creating a debt repayment plan that will motivate you for a long time, rather than an unrealistic one that's strictly about paying the least amount of interest charges. (Collective gasp--how dare she!?) Listen, everyone knows that paying interest on debt is bad and to be avoided as much as possible, but human beings are complex. Life is complex. Debt is complex. There cannot be a one-size-fits-all plan, so Living Debt-Free will help you build your plan--the one that will help you finally put the debt behind you, start fresh and feel good about your money again.