Security. Purpose. Legacy

April 1, 2020
Successful Retirement Solution
An integrated planning approach we provide for our valued clients which involves a six step process to help you:    
                     1. Clarify Vision
                     2. Preserve Wealth
                     3. Minimize Tax
                     4. Maximize Retirement
                     5. Optimize Investments
                     6. Design Legacy

We will touch on one or more of these steps in our meetings with you. We'll also provide educational resources to explain each step so that you'll understand their importance and how you'll benefit from this holistic planning approach. Please feel free to contact us if you have any questions.

Do you have any future post-secondary students in your family? With the stratospheric cost of education these days, they will likely benefit from having an RESP (Registered Education Savings Plan)  account or two. You get free government money and like RRSPs, they are a great tax-free savings vehicle. But RESPs have complex rules which can make withdrawals a bit tricky. Fortunately, we have an article in the Minimize Tax section of our Successful Retirement Solution newsletter to guide you through all the in's and out's.

If you're entering retirement or about to, we have an article on the benefits of withdrawing early from your RRSP in the Maximize Retirement section. Find out why you shouldn't wait until age 71, at which time you'll be required by the government to start withdrawing prescribed amounts that may not be very tax friendly.

Having troubles with your sleep? In our Healthy Aging Strategies, results from a study on quality of sleep and its effect on memory and brain dysfunction in older adults are examined. It underscores the importance of resolving sleep disorders when you get older.

                                     LIVING IN FAITH

                      my personal reflections since the sudden passing of my son

A close friend of mine has graciously allowed me to share some of the struggles of his faith journey. "Chad, this is all so foreign to me...I love to be active and I struggle contemplating these heavy questions about life. I need evidence-based facts to prove that all this stuff is even real and worth investing my time into!” Please click here to read a part of Lee's story.

All the best,
withdraw RESPs properly

An RESP is a great saving tool for someone's (even your own) education expenses. However, you need to be aware of the rather complex rules around withdrawals. Click here for a Globe & Mail article that will explain the details on how to withdraw properly.
benefits of early RRSP withdrawals

There are people who think that their RRSPs should be left alone until they retire or until they are forced to convert it into a RRIF by age 71. Click here to read a Financial Post article with examples that suggest otherwise.
sleep quality & your memory
Frequent waking during your sleep is linked to a higher risk of memory impairment and dementia. And taking naps is not a cure for poor quality of sleep. Click here to read a Zoomer article on the effects of fragmented sleep on your brain.

                                          Chad Ekren  
Chad Ekren CIM, CFP®, B.Comm
Portfolio Manager
HollisWealth®, a division of Industrial Alliance Securities Inc.
Insurance Advisor, Hollis Insurance Agency
1030 – 4720 Kingsway
Metrotower II
Burnaby, BC  V5H 4N2
I have a group of enthusiastic professionals dedicated to providing the highest level of customer service. We offer an integrated, holistic, financial planning process to help our clients achieve a Successful Retirement. Click here to view video.
Share This Newsletter
Know someone who may benefit from the information in this newsletter? Please feel free to forward it to them. We are more than happy to share the information we provide.
Build Your Knowledge
Click here to learn more about investing and retiring successfully by subscribing to our monthly newsletter.
Should you have any questions or comments please call me at 604-432-7743 or email me at

To unsubscribe from receiving commercial electronic messages from HollisWealth, click here:
Capital Concepts Group
HollisWealth, a division of Industrial Alliance Securities Inc.              E:
Suite1030 – 4720 Kingsway                                                               P: 604-432-7743
Metrotower II                                                                                       F: 604-439-7777
Burnaby, BC  V5H 4N2                                                                   

This information has been prepared by Chad Ekren who is a Portfolio Manager for HollisWealth® and does not necessarily reflect the opinion of HollisWealth. The information contained in this newsletter comes from sources we believe reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any of the securities mentioned. The information contained herein may not apply to all types of investors. The Portfolio Manager can open accounts only in the provinces in which they are registered.
HollisWealth® is a division of Industrial Alliance Securities Inc., a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada. Insurance products provided by Hollis Insurance Agency.

This email was sent to <<Email Address>>
why did I get this?    unsubscribe from this list    update subscription preferences
Capital Concepts Group Inc. · 1030 - 4720 Kingsway · Burnaby, BC V5H 4N2 · Canada

Email Marketing Powered by Mailchimp