I would strongly recommend that when considering a variable rate mortgage or fixed-rate mortgage, you first need to assess your risk tolerance and understand your capacity. What is your tipping point if the BoC is on a rate-increasing trajectory?

The spring market in Alberta is picking up, but, where I’m spending most of my time isn’t with purchases, but with refinances.

I want to address a common question: what should you do with a windfall of cash? Clients often ask me whether it’s better to use these funds to pay down, or to pay off their mortgage, or keep them as liquid assets. Based on my years of experience, I believe in building financial resilience. If you’ve followed me for a while, you know I advocate for bulletproofing your life to better absorb shocks to your personal situation.

Having worked in the financial service industry for 39 years, I thought I had seen most things. However, this year I was surprised when I came across a client file that had a post-nuptial agreement.

Many seniors are feeling unprepared for their retirement. A potential option for yours, if you own your home, is a reverse mortgage.

Even though rates have jumped over the past year, Calgary is still in a strong position for real estate investors and buyers alike.

When it's sunny, banks run around giving everybody an umbrella. But when it starts to rain, they come knocking to ask for it back.

Home equity is often discussed as “free money.” It’s not that simple. Homeowners work hard for equity, and they should be able to keep it.

Adjust your cash flow over the next two to three years so that you don't get shocked when your mortgage is up for renewal.

They say the inflation we’re experiencing right now is transitory. And, unfortunately, I have to sit on the other side on this topic.