David Miller Certified Financial Planner + MORE Aug 13th

Meet David Miller

David Miller’s specialty is in helping successful Canadian individuals and families uncover and address their investment and financial planning needs on both sides of the border. He is a registered portfolio manager in Alberta, British Columbia, Saskatchewan, Prince Edward Island and Ontario, and is also a U.S. registered investment advisor. 

Miller’s goal is to safeguard the financial dreams of his clients. He strives to protect the assets they have worked hard to accumulate throughout their lifetime. Miller provides objective advice based on his deep and thorough understanding of each client’s personal situation. He delivers comprehensive cross-border financial planning advice while making it easy to understand. He is bound by a fiduciary standard. He places his clients’ interests first, above all else.

Who does he work with? For the last 20 years Miller has been committed to assisting families, business owners, and retirees on both sides of the border…

When a high-flying stock seems out of reach for investors with limited cash, fractional trading can help fulfill that dream of owning a piece of the company—one small portion at a time. 

Fractional trading is a great way for young people to get started in investing, said Kalee Boisvert, investment adviser at Raymond James Ltd.

If a stock is trading at $300 per share, for example, the investor can buy a portion of one share and start building their position in that stock over time, Boisvert explained. 

Young people in particular sometimes shy away from starting to invest because they don’t have large quantities of money set aside. Boisvert recalled being fearful of investing in the stock market in her 20s because of that very reason. 

“I thought that you had to have a lot more money to start and I didn’t start until much later,” she said. Looking back, she realizes how much she missed out on in terms of compounding because she delayed her investing journey. 

Fractional trading removes that mental roadblock of needing a huge sum of money to invest and makes stocks more accessible to people, Boisvert added…

Welcome to the MoneySense Find a Qualified Advisor tool. We’ve partnered with the Financial Planning Association of Canada (FPAC) to create a directory of credentialled advisors providing financial planning and investing services across Canada. All of the advisors in our Find a Qualified Advisor tool are active FPAC members and have at least one recognized financial planning designation. (You can learn more about the different designations below the table.)

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The year 1975 was the high water mark for bell bottoms, soul music and workplace pensions. Back then, around half of Canadian workers had some sort of pension plan through their employers to save for retirement. These days, just under 40%. For the roughly 2.6 million Canadians who work for themselves, that number is effectively zero.

It doesn’t matter whether you own a restaurant, hustle as a freelance designer or work as a day labourer on a landscaping crew—you cannot depend on a pension to support you in your golden years. Unless you have significant real estate or investment income, your business will need to fund nearly every cent of your retirement. So, how do you do it? 

Thuy Lam, a senior financial planner and money coach with Objective Financial Partners, works with both sole proprietors and employers with staff or contractors on their payroll. Saving for retirement as a self-employed person is possible, she says, but it requires both discipline and creativity…

York police searching rural area in Stouffville for missing Markham woman  Toronto StarPolice searching Stouffville farmland for missing Markham real estate agent  CityNews TorontoHomicide detectives investigating suspicious disappearance of Markham, Ont., realtor  The Globe and MailCanine, marine teams added to search for missing Ontario realtor  Global News TorontoYork police searching ‘large rural property’ near Stouffville in effort to find missing Markham woman  yorkregion.com