Security. Purpose. Legacy

February 1, 2019
Hello Everyone,

I hope you are off to a great start in 2019. Rose Mary and I have been back for a month now from our winter vacation and settled back into our routines. Our Chinese neighbours will be celebrating the Lunar New Year on Feb 5, so Gung Hey Fat Choy! We can expect to see lots of festivities over the next couple of weeks.

Meanwhile, things are rolling along at our office where we are continuing our integrated retirement planning meetings with our clients and preparing to conduct more seminars. Due to popular demand, we will be offering a free estate planning and investment seminar later this month on Saturday, Feb 23. A separate RSVP invitation has been sent to your inbox 3 days ago. Please look for it.

This February newsletter will focus on Optimize Investments, where we will be examining Rising Income Investments, a component of our Successful Investing Solution (SIS) as depicted in the pyramid below.

LIVING IN FAITH - my personal reflections since the passing of my son

Our vacation in December included the family of our 'daughter-in-love', Marie. During the trip, I had an opportunity to talk with Marie about many things, especially the topics close to our hearts. Please click here to read Part 1 of what we discussed.


Evidence Based Investing – globally diversified, balanced portfolio structured to reduce expenses, turnover, and minimize tax, but should grow with the market. We partner with Dimensional Fund Advisors for this component.

Rising Income Investments – blue chip securities that provide a robust, consistently rising dividend to counteract inflation. Potential candidates are Canadian financials, telecoms and utilities.

Good Night’s Sleep – fixed income holdings which are uncorrelated to equities and have low volatility to provide portfolio stability. This component can provide a steady, dependable income during prolonged bear markets.

Relative Strength – a tactical asset allocation portfolio which uses a rules-based approach to objectively assess opportunities and threats in the market. We partner with Bank of Montreal’s Global Asset Management for this component.

If you currently need $60,000 of annual income for your retirement, it would need to be $93,000 in 15 years if we experience a 3% inflation rate. That's a 55% increase in just 15 years. So how do you make your retirement savings keep up with inflation? The answer is Rising Income Investments. Click here to view our video on this subject.
Myths about sleep

About half of Canadians complain they have trouble going to sleep or staying asleep. One myth is that you need less sleep as you get older - not true! Click here to read a Zoomer article about other myths on sleep and hints on how you can get the proper amount.
Successful Retirement Solution
An integrated planning approach we offer to our valued clients, involving a six step process that will 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 at our future 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.
                                          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.
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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.

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Capital Concepts Group Inc. · 1030 - 4720 Kingsway · Burnaby, BC V5H 4N2 · Canada

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