Over the years I have had the privilege of underwriting the insurance requirements of many interesting people: CEO’s, philanthropists, entrepreneurs, academics; politicians, legal, accounting and medical professionals, leading edge researchers, athletes and of course many wonderful men and women who are doing their best to look after their families and plan for their future. Insurance […]
Tuesday Talks with Brian Etherington: The Who and Why of Philanthropic Giving
December 5, 2017
Canadians have proven themselves to be generous; carry a sense of duty towards their fellow citizens in need and have a clear understanding that to address philanthropy is to engage in moral biography. Speaking as our guest to the Board of Directors of a national Canadian charity, Dr. Paul Schervish, of the Centre on […]
Tuesday Talks with Brian Etherington: What is Wealth?
November 28, 2017
Wealth can result from a passive action such as a lottery ticket, an inheritance, a discovery or a gift; but for the vast majority of people it is the result of a journey. Christopher Columbus said that: “You can never cross the ocean unless you have the courage to lose sight of the shore”. The […]
Tuesday Talks with Brian Etherington: Insurance Purchasing Cooperative
November 14, 2017
The very thought of Employee Benefit programs is akin to watching paint dry in the minds of many – until a serious claim occurs – which sharpens the attention of both employees and employers. It may come as a surprise to learn that employees repeatedly across Canada have indicated preference for a benefit plan or […]
Tuesday Talks with Brian Etherington: Risk Management-Ancient Origins & Modern Application
October 30, 2017
The transference or distribution of risk had its origins from Chinese and Babylonian sea traders in the 3rd Millennia BC who would redistribute their cargo across many vessels to mitigate loss from the sinking of any one vessel. 1,000 years later the merchants of Rhodes created the principle of “General Averages” whereby a premium would […]
Tuesday Talks with Brian Etherington: Inheriting Wealth
October 23, 2017
Talking about money with anyone is difficult. The scale of inheritance involved with the families in the below linked article is life changing for their children. But regardless of whether your Family has been inheriting wealth for generations, one generation or merely aspiring to create wealth in the current generation, not talking about it means […]
Tuesday Talks with Paul Etherington: Seven Essentials for Buying Life Insurance
October 16, 2017
While life insurance never seems to be on the top of your to do list, it is an important component of your financial plan and a source of liquidity that success itself will necessitate. If you are planning to purchase life insurance in the near future – and if you are purchasing a home, having […]
Serious illness at a young age can trigger a financial crisis
June 15, 2017
A serious illness at a young age can trigger a financial crisis Our ability to earn an income can be interrupted by disability, sickness or accident (see below link). SHARRATT, A. (2017, June1). A serious illness at a young age can trigger a financial crisis. The Toronto Star. Retrieved from www.thestar.com In that event […]
Family Money Talks – Cottage Succession
June 15, 2017
The source of generations of happy memories, the future of the cottage in the lives of an expanding Family can also be the source of worry and angst. Honest Family discussions about the future of the cottage are a sensible starting point. Who is likely to be in? Who is likely rather to be out? […]
New drug benefit program coming to Ontario
May 19, 2017
A new drug benefit program is coming to Ontario in January of 2018 which will provide the roughly four million Ontarians under the age of 24 with publicly funded drug coverage. The announcement, made by the Government of Ontario in the April 27th, 2017 Budget, outlined the new program called “OHIP+: Children and […]
