Publications

Stop Paying Hidden Investment Fees!

Stop Paying Hidden Investment Fees!: How To Get Unbiased Advice For The Right Fee So You Can Reach Your Financial Goals Years Earlier

by Dean C. Kendall

Smart choices are never more important than when your money is involved. In Stop Paying Hidden Investment Fees!: How To Get Unbiased Advice For The Right Fee So You Can Reach Your Financial Goals Years Earlier, financial organizer Dean Kendall lays out a plan to help you become better informed about the investment industry and to understand the impact of hidden fees on your ability to reach your goals.





MoneySense Approved Financial Advisor | FLAT FEE for advice

For the third consecutive year, our TEAM has received the MoneySense Approved Financial Advisor designation from MoneySense, one of Canada's best-known personal-finance media brands. The MoneySense Approved Financial Advisor designation is awarded ONLY to financial advisors who exceed MoneySense's high standards in such areas as customer service, transparency and fees.

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MoneySense Approved Financial Advisor, Dean C. Kendall



Calgary Chamber Nominee | KPMG People's Choice Award

We have been nominated for the 2018 KPMG People’s Choice Award & Small Business of the Year Award!

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Dean C. Kendall, Nominee, 2018 KPMG People’s Choice Award & Small Business of the Year Award



Best Boutique Financial Advisory 2018 | Alberta, Canada

We have been awarded as the Best Boutique Financial Advisory 2018 on Wealth and Finance!

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Dean C. Kendall, Winner, Best Boutique Financial Advisory 2018




Who's Got Your Back?

by Dean Kendall
September 19th, 2018

Who's Got Your Back?

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What we find with most clients who come to us is that nobody really has their back. The biggest problem in the financial services industry is that most financial advisors are only "investment advisors," "stock pickers," or "money managers." There are many other areas of a client’s financial life that have far more impact on whether or not they achieve their financial goals, and ultimately live their ideal life.

Yet, most financial advisors are simply salespeople for products on...

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What do YOU do to unplug and recharge with YOUR discretionary time?

by Dean Kendall
March 30th, 2018

What do YOU do to unplug and recharge with YOUR discretionary time?

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I was at the WestJet carousel in Calgary at the end of my trip standing in line to pick up my luggage with everyone else on my flight back from Vancouver. I asked a guy standing in line with me, is Calgary home for you? He replied "yes, I was in Vancouver for a week vacation".

He asked me where I was coming from. I told him I was heli- boarding outside of Prince George. He thought that was...

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Investors Are Completely Unaware

by Dean Kendall
February 14th, 2018

Investors Are Completely Unaware

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In my interactions with savers and investors who seek my advice, I have observed with overwhelming consistency that the vast majority of people are completely unaware of all the hidden fees that are buried in the financial products they own.

Some even tell me that there is no fee, it’s free! (Almost never true!) This continued theme of lack of transparency is evidenced in a recent Globe and...

Tags: investments, investing, fees



Paying down an income property with RRSPs

by Dean Kendall
August 8th, 2017

Paying Down an Income Property with RRSPs

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Q: My husband and I are teachers and we will be retired and collecting pensions in approximately 8 – 10 years. We have been mortgage-free since 2008, have RSPs, some TFSAs and we are approaching maximum contributions allowed in our children’s RESPs.

In 2015, we purchased an investment property. I’m wondering whether it would be wise to cash in our RSPs and use the after-tax amounts to...

Tags: income, property, rrsp



Do we need spousal RRSPs if our salaries are the same?

by Dean Kendall
July 24th, 2017

Do we need spousal RRSPs if our salaries are the same?

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Q: I have a question about whether my wife and I should consider using a spousal RRSP. I’m 32, self-employed, paying myself an $80,000 annual salary and have a personal RRSP of around $160,000. My wife is also 32 and she’s employed with a company that provides a defined benefit pension. She is making around $70,000 per year and has a personal RRSP of $60,000.

Considering our employment status and how our salary levels don’t differ too much...

Tags: spousal, rrsp, income