Category: estate plans

June 2, 2010

Comments on Ellen Roseman’s articles on annuities in the Toronto Star

Ellen Roseman published good articles in the Toronto Star lately (here and here) about longevity risks, and how it can be addressed by annuities. Below is my email sent to her. I wrote the …


February 6, 2010

Policies as savings, investment, or pension income products: the less gloomy aspects of insurance

… look at the wealth creation and accumulation side of finance. Even within this realm though, some insurance products offer significant benefits over comparable bank or mutual fund products, especially for the elderly, the risk-averse, or the affluent.


December 22, 2009

Long Term Care insurance (LTCi) – an increasingly more important risk managing tool

What is the smaller mistake? The ‘waste premium dollars’ vs. ‘going uninsured’ dilemma in a ‘historical asset/income effects’ context. There is always a risk at any age that we become unable to take care of ourselves; chances for that grow …


January 29, 2009

Allocate assets and products, and more kinds of them, wisely

Closely related to broad and creative goal-setting and synchronous balancing of many factors is giving robustness and resilience to your plans by involving more asset and product classes. It makes sense to step even further, beyond financial assets, and think …


June 1, 2008

Where there is a will, … there has not necessarily been proper estate planning done as well

Filed under: _important,estate plans,insurance:,planning - 01 Jun 2008

Some people think that estate planning is about merely will-preparation, something separate from detailed financial planning. It is a gross and dangerous misunderstanding and oversimplification to hold this view.

Estate planning encompasses our whole life, its various aims and characteristics at …


Newsletter repository

Old Newsletters: ‘FOOD FOR THOUGHT’ & ‘Aren’t You aMAZEd?’

Here is the pdf version of a few newsletters I wrote from 1998 to 2006.

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