Financial Advisors

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...

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:...

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...

Aug232012

Sometimes for better, sometimes for worse. Never for forever.

He SHOOTS…He

By Rick Tomalty on August 23, 2012 in Financial Advisors , Financial Decision-making , Financial Literacy , Financial Philosophy , Investing , Life Insurance , Retirement Planning , Saving , The Value of Advice with 1 comments

My 17 year-old son just went out of his way to make me look bad. Those of you with children – especially children of the...

Aug012012

Your advisor can be your unfair advantage

This Circus needs

By Rick Tomalty on August 01, 2012 in Financial Advisors , Financial Decision-making , Spending behaviours , The Value of Advice with 1 comments

As I write this blog, I am sitting in my parent’s living room surrounded by boxes and vacuum cleaners waiting for their cell...

Jun012012

When choosing a financial advisor, don't ignore your gut...

Herman needs a new

By Rick Tomalty on June 01, 2012 in Financial Advisors , Financial Decision-making , Financial Literacy , Financial Philosophy , Investing , Saving with 1 comments

I’ve been a Herman cartoon fan since the day I read my first cartoon…I think it was Hal the deer bemoaning the bulls-eye...