It's Personal Finance Canada

Our goals are often sacrificed to our desires. This week we talk about the power that spending can have on our lives and how it can derail our dreams for our future and our goals in general. Learn how shopping is used to squeeze happiness out of our lives which feel more and more out of control, and what we can do about it. If you live in British Columbia, let us help you take care of the people y...

This week we go over some of the top options available to invest in during this down market, ranked from highest risk options like stocks to lowest risk like GIC"s with a little surprise in the middle. Plus Cameron talks about why paying attention to a stocks Beta is so important in how you value stocks and funds and why so many people miss out on big gains when they don't. If you live in British...

What has happened will happen again. Bull and Bear markets come and go but it is important to study and understand the Bear markets and crashes so we don't make mistakes the next time they come around.  This week we go over some the of the biggest North American stock market crashes and find out what triggered them, how the recovered and who those lessons can apply to today's Bear Market so you ca...

What happens when you are no longer able to manage your finances? This is where a Power of Attorney comes into play. This week we talk about what this power is, how to choose a representative and how to structure it in a way which will help you live more comfortably and be able to take care of those you love better.  If you live in British Columbia, let us help you take care of the people you love...

Economists say that over the next four years over a Trillion dollars will be moved from parents to kids in Canada. If you're lookling to better understand how to get money to your kids or are looking to start a conversation with family members then this weeks episode can help get that informed dialogue going and understand the benefits and limitations of estate planning. If you live in British Col...

This week we talk about how your financial planner or advisor should be deciding which funds are the best fit for you. We cover all the ins and outs and everything you need to be aware of as you prepare to put your hard earned money to work with the right person. From KYP to KYC, sales charges, fund composition and everything in between we take away the mystery of investing with an advisor. If you...

This week we give you an inside look at what goes on inside your first meeting with a financial planner. We go over the different desiganations and what they mean for you so you can make sure the person you're talking to is actually qualified. We then cover many of the best questions you can ask to determine if they are really the best fit for you and your family. There's also tips about proper ex...

Today there seems to be all kinds of options when it comes to investment accounts. But knowing which one will benefit you the most isn't always obvious. Today we get a refresher on RRSP's and TFSA's but we also delve deep in to what a Non-Registered account is and when it's a good time to use one. Finally we talk about how you can maximize your savings and tax bill by using a combination of these...

This week we go deep into our motivations behind making more money and find out if the true cost of "success" is worth it. From recent sociological, economic and goverment studies we find out if it's really worth working yourself to the extreme in order to have more money. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com    Useful Resou...

Carbon Prices are going up! This week we talk about what Canadian Carbon Taxes meant to you and how you need to start preparing. What is the tax, how it's trying to change you behavior and how the choice for change is evaporating before us while we also stare down the barrel of a recession.  If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial....

This week we tackle many examples of conventional wisdom and try to offer eight financial tips that will actually help you right now. Everything from education, job oppertunities, buying habits, and savings get put to the test to see what still bears proverbial fruit in 2022. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com 

It's been a rough start to the markets in 2022, and high inflation and rising interest rates aren't making things any better. This week we take you behind the curtain for a look at what is happening behind the scenes with carriers and fund managers and how you can ask your financial planner the right questions about your investments. If you live in British Columbia, let us help you take care of th...

It's Mothers Day (on the day we recorded) so what better time to learn about how to teach your kids about good financial management and decision making. From allowances, budgeting, credit and more we discuss topics worth talking with your kids about. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com 

This week we test out the so called "tried and true" 4% and see if it still applies to the 21st Century. That's right we discuss the The 4% withdrawal rule, sequence of returns and retiring in a down market like the one we're in right now. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com 

This week we talk about the true cost of rising interest rates and how it will impact you and your budget. Rates are going up so you need to get ready now to secure your financial future.  As a bonus we also explain how the Bank of Canada and the Federal Government are able to make money appear out of thin air and why that is contributing to the rising cost of living. If you live in British Columb...

This week we offer a flurry of tax tips just in time for your 2022 filling, to help you get more of the deductions and credits that you ma be entitled to. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com  Link mentioned in the episode: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-retu...

This week we breakdown the key points of Budget 2022 which will impact your personal finance decisions for the rest of the year. We'll cover changes to housing affordabilty, new programs and how it's all going to be paid for. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com 

Having a family is a big financial responsibility but knowing whether or not to stay home with the kids is a difficult choice, especially today. This week we talk fomr our own experience of weighing the financial pro's and con's of childcare and how those choices impact your finances. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com 

This week we discuss good and the bad about active investmetns and if paying fund managers and MER's is worth your investment Dollars. We also tackle what to look out for when choosiing an active investment option for yourself. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com 

Investing can be complicated so many people choose to follow the "indexes" to make theri lives less complicated. This week we talk about what these main North American indexes are and how they can help you reach your financial goals. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com 

This week we put the "personal" in It's Personal Finance Canada, as we go over our own story of how we got to where we are today. Learn how our experiences have shaped our views of personal finance and how try to help others through our own life lessons.  If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com 

This week Christine goes over the key questions you need to ask yourself about sustaining yourself during retirement. Learn the ins and outs of different investment strategies and whay you need to be on the look out for in you golden years so they don't turn into your rusted years. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com 

What are the three pillars of your retirement and how much do you need to stock up to live comfortably in retirement? This week Christine helps you understand how a successful retirement package is built and how you can impliment it into your own life. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com 

Budgeting doesn't have to be a painful or depressing experience. Leanr how Christine manages her own finances with her Simple Budget process which will help you getyour finances in order in only a few minutes each pay period.  If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com 

Inflation is hitting everyone hard these days and there seems to be no relief in sight. Learn today about the role of the Bank of Canada and how it impacts your wallet, ability to pay for groceries and if you could ever buy a house. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com