Rick Tomalty


Jun252016
"The dumb money effect... bad timing is at the heart of this."

The UK leaving the

By Rick Tomalty on June 25, 2016 in Financial Advisors , Financial crisis , Financial Decision-making , Investing , Retirement Planning , Saving , Spending behaviours , The Value of Advice with 0 comments
Yesterday, we woke to news that the citizens of the UK have voted to leave the European Union. While polls hinted that the...

Feb182014
Can I retire WHEN I want, to do WHAT I want?!

Retirement Readine

By Rick Tomalty on February 18, 2014 in Budgeting , Financial Advisors , Financial Decision-making , Financial Literacy , Investing , Life Insurance , Pension Plans , Retirement Planning , Saving , The Value of Advice with 0 comments
My memory takes me back a number of years now to a gathering at a pool party in a friend’s backyard. I was part of a group...

Aug282013
Commuting your Pension: An option worth exploring.

Time for a final c

By Rick Tomalty on August 28, 2013 in Commuting your pension , Defined Benefit Pension Plans , Defined Contribution Pension Plans , Financial Advisors , Financial Decision-making , Financial Literacy , Investing , Pension Plans , Retirement Planning , The Value of Advice with 0 comments
I think back to my university sociology classes where we studied demographic graphs until my eyes crossed, and how much more...

Apr012013
Setting your goal is emotional; attaining it calls for logic and discipline.

If the Sock Fits&#

By Rick Tomalty on April 01, 2013 in Budgeting , Financial Advisors , Financial Decision-making , Financial Literacy , Retirement Planning , Saving , Spending behaviours , The Value of Advice with 1 comments
For some reason, I was particularly puzzled that morning.  Perhaps it was one too many late-night hockey games, or maybe the...

Mar302013
2012-13-hockey-Black-Phantoms

My Season with the

By Rick Tomalty on March 30, 2013 in On the Personal Side with 0 comments
One of the greatest pleasures that my job allows is the flexible time to spend being involved in community sports. This year I...

Mar012013
We're all guilty of it...

It’s Hard no

By Rick Tomalty on March 01, 2013 in Financial Advisors , Financial Decision-making , Financial Literacy , Financial Philosophy , Investing , Life Insurance , Retirement Planning , The Value of Advice with 0 comments
Time for a pop quiz: what do former NBA star Dennis Rodman and North Korean leader Kim Jong-un have in common? Answer:...

Jan312013
RRSPs, as an inheritance, often miss the mark

From Here to Heir:...

By Rick Tomalty on January 31, 2013 in Financial Decision-making , Financial Literacy , Retirement Planning , Spending behaviours with 0 comments
I accepted the recent invitation to submit an article to an emerging online publication entitled Managing your Wealth. The...

Jan242013
Strategic asset allocation accounts for 90% of a portfolio's return.

Tempted to roll th

By Rick Tomalty on January 24, 2013 in Financial Advisors , Financial Decision-making , Financial Literacy , Financial Philosophy , Investing , Retirement Planning , Saving , The Value of Advice with 0 comments
I had just returned from the ice surface to the dressing room, got settled in my place and was starting to remove my hockey gear...

Oct162012
People do measurably better with a financial advisor than without one.

Go Figure…!

By Rick Tomalty on October 16, 2012 in Budgeting , Estate Planning , Financial Advisors , Financial Decision-making , Financial Literacy , Investing , Life Insurance , Retirement Planning , Saving , The Value of Advice with 0 comments
Just today, I woke up to a newscast that informed us of the resignation of a prominent political figure in our area. I suppose...

Sep082012
Financial basics that will help you start and finish strong

A virtual visit to

By Rick Tomalty on September 08, 2012 in Budgeting , Estate Planning , Financial Decision-making , Financial Literacy , Investing , Retirement Planning , The Value of Advice with 0 comments
At least once a week, our family visits the Mecca of consumerism – that bastion of capitalism – Costco.  We joke amongst...

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