Mercier Mediation and Financial Services
Nova Scotia, Canada
Finance
Top 5 Differences Between Tax-free Savings Accounts (TFSA) and Registered Retirement Savings Plans (RRSP)
The intent of an RRSP is for your retirement. TFSAs were designed for any type of financial goal such as travel, buying house, emergency savings, … Read more
Canadian Business Owners and Retirement: Consider an Individual Pension Plan
In February 2018 the Federal government introduced new rules surrounding the Small Business Deductions (SBD) and how it treats passive income over $50,000. This change … Read more
Your Year End Investment Statement Shows A Negative Return…
Most Canadians will have received their December 31st investment statement in the mail and noticed that their investments have not had a great run in … Read more
What is Financial Literacy and How Do You Get There?
If you have not heard, November is Financial Literacy month in Canada and so my blog this month is centred on what I believe are … Read more
Are You Financially Healthy? Really?
Do you make good money and want to keep more of it? Do you have a debt and spending strategy? Do you have a savings plan for … Read more
Why Do Canadians Fail When It Comes to Personal Finances?
A 2017 survey (CIBC polled of Canadians with household incomes above $100,000) says almost half of Canadians have no financial plan in place at all. … Read more
Are You going through a Divorce? Here is a Financial Checklist
One of the most often asked questions, when someone is going through a divorce, is, “What financial documents do I need?” Here is a checklist … Read more
5 Good Reasons to Trust ME as Your Financial Advisor
I am not employed by any Bank, Trust or Insurance companies, I give you independent financial advice. I will never sell you a debt product … Read more
Cash Flow – the Nemesis for Entrepreneurs
As a Financial Advisor who specializes in Cash Flow, many of my clients are entrepreneurs who wear multiple hats: CEO, Book Keeper, Sales manager, and … Read more
Tip # 6 for Managing Cash Flow for Entrepreneurs
Tip #6 Do not put your head in the sand when it comes to spending. Many business owners have come from the corporate world and … Read more
Tip # 5 for Managing Cash Flow for Entrepreneurs
Tip #5 Establish a monthly pay cheque. I understand that your cash flow fluctuates up and down. That is why this goes hand-in -hand with … Read more
Tip # 4 for Managing Cash Flow for Entrepreneurs
Tip #4 Don’t misuse HST/GST collected. We have worked with several entrepreneurs who get behind in submitting their HST/GST because they have not kept the … Read more
Tip # 3 for Managing Cash Flow for Entrepreneurs
TIP # 3 Make sure you have a Cash Flow statement. Why you ask? Since you already receive the balance sheet & income statement from … Read more
Tip # 2 for Managing Cash Flow for Entrepreneurs
The 2nd Tip for you is based on past experience with both clients and professionals but a very crucial part of the Cash Flow equation. … Read more
Tip # 1 for Managing Cash Flow for Entrepreneurs
As a Financial Planner who specializes in Cash Flow, many of my clients are entrepreneurs who are passionate about what they do. Many wear multiple … Read more
Why did I become a Certified Divorce Financial Analyst (CDFA)?
I am asked this question a lot. I have even received hate mail regarding my certified divorce financial analyst practice and to top it off … Read more
What Does a Certified Divorce Financial Analyst Do?
Although it’s not easy, clients going through separation or divorce need to take emotion out of their calculations and take control of their finances. Angela … Read more
So You’re Going Through A Divorce
Right now, at this crossroad, figuring out your finances is one of the most important things you need to do, and do well. The clients I’ve … Read more
You’re a Successful Woman. Are You Secure?
I work with women who are passionate about their business. They are experts in their field and on the road to seeing a consistent cash … Read more