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MARCH 16, 2017
Increased longevity among retirement planning risks
Canadian life expectancy figures are rising and, along with them, the danger of outliving our retirement savings. Therefore, the increased longevity requires careful consideration of four factors. Kim tells us what these elements are and why it’s important to think about them.


FEBRUARY 15, 2017
Coping with investor emotions
When a person loses control of their emotions, they also lose control of their head. If that happens in investing, the person also loses their money. Kim explains the behavioural finance cycle and provides a step-by-step guide for keeping emotions out of investment decisions.


JANUARY 19, 2017
Making the most of your TFSA contribution
The TFSA is a very flexible financial tool available to Canadians 18 years or older. Although TFSAs were originally launched in 2009, many people remain uncertain about how they work and how best to use them. Kim answers a few of the most often asked questions.

DECEMBER 22, 2016
Rounding out the year with philanthropy
Canadians are generous in giving, with a majority wanting their communities to benefit from the philanthropy. However, donors may miss opportunities, afforded by tax efficient giving, that can increase the benefits for both the charity and themselves. Kim explains.


DECEMBER 1, 2016
Prudent tax loss selling strategies
As year-end approaches, investors seek opportunities in tax loss selling to realign portfolios and use capital losses to improve tax positions. Decisions should be guided by rules, timing, and methodology so Kim identifies key aspects for investors to consider.


NOVEMBER 1, 2016
Fraud prevention advice for small business owners
Small business owners grapple with major challenges in order to succeed, and one of these is the gang of thieves intent on stealing their profits. Kim describes several scams; suggests ways to thwart them; and points to free help available from The Bank of Canada.


OCTOBER 3, 2016
Take some cues from the pros
Value investing, or buying stocks at less than their intrinsic value, underlies the success experienced by very high profile investment gurus such as Benjamin Graham, Warren Buffett, and Peter Lynch. Kim presents some of their wise and straightforward advice.


SEPTEMBER 1, 2016
Ask your advisor the right questions
Statistics indicate that many investors spend too little time reading investment documents. Kim believes a lack of understanding hinders investors’ ability to assess their holdings and its management, so she helps them with simple but pertinent questions to consider.


AUGUST 3, 2016
How women differ from men with investing
Although they may begin later, when women get fully involved with investing they are often better than their male counterparts. Kim notes that this is due to key differences such as less risk-taking, more extensive research, an emphasis on quality stocks, and sticking to their plans.


JULY 7, 2016
A commonly used but often misunderstood tool
Convertible debentures are corporate bonds that feature a blend of fixed income and equity, and investors may convert to the issuer’s common shares at a specified date. The low cost and potential for high yield are appealing but, as Kim explains, there are downsides.


JUNE 12, 2016
Reviewing the options for portfolio management
Discount brokerages can be an option for some investors with the proper combination of skills and aptitude. For others they are not. Kim thinks investors need to assess both the brokerages and personal requirements when deciding how their portfolios are best managed.


APRIL 17, 2016
Choose carefully when parking cash
Canadian investors have large cash reserves. Some are weathering the volatility storms while many wait to seize opportunities created by the volatility. Kim says care must be taken in choosing where to park the cash while waiting, and she identifies a problem with GICs.


MARCH 20, 2016
How does liquidity affect your ETF holdings?
Some investors believe that daily trading volumes are proof of ETF liquidity. However, the effect of trading volumes on liquidity is insignificant and Kim explains why. She also provides one method of assessing ETF liquidity, along with simple trading rules for ETFs.


MARCH 2, 2016
Caution for Canadian snowbirds
Canadians, particularly snowbirds, who are in the U.S. for extended periods may not realize they can be deemed U.S. persons, subject to U.S. tax filing requirements, if holding certain investments. Kim sheds light on this complicated topic and the three taxation options.

DEC 23, 2015
Be sure your asset allocation fits you
At any given time, an investor’s portfolio mix should reflect personal goals, which is best achieved by rigorous application of a thoughtful strategy. Volatile markets may cause investors to stray from this goal so Kim outlines techniques to keep portfolios in line with objectives.


NOV 27, 2015
Making the most of your charitable giving
The considerable generosity of Canadians is evident at this time of year, with the most popular gift being cash. However, as Kim points out, there are much better ways to give. She describes methods that enhance the philanthropic impact for both the donor and the charity.


NOV 9, 2015
Maximizing the upcoming tax loss selling season
At any given time, an investor’s portfolio mix should reflect personal goals, which is best achieved by rigorous application of a thoughtful strategy. Volatile markets may cause investors to stray from this goal so Kim outlines techniques to keep portfolios in line with objectives.


OCT 7, 2015
The importance of retirement income planning
Even though fewer employers have pension plans, and government policy indicates a future of self-reliance, Canadians generally aren’t taking action early enough. Kim urges them to get their pension planning started and outlines various factors that must be considered.


SEP 8, 2015
Saving for your child’s education
Parents need to consider both earlier and later periods in funding a child’s future post-graduate education. Kim says they must first make best use of all available tools, and then carefully manage the investment process within their timeframe. She has ideas for each.


SEP 8, 2015
High net worth investors increasingly turning to fee-based pricing 
Fees are an important consideration for investors but many have not chosen the right fee arrangements for their portfolios. Kim provides several reasons why the fee-based structure may be the best option for some, and also explains why it is simply not suitable for others.


AUG 8, 2015
Navigating the different account fee structures
Fees are an important consideration for investors but many have not chosen the right fee arrangements for their portfolios. Kim provides several reasons why the fee-based structure may be the best option for some, and also explains why it is simply not suitable for others.


JULY 13, 2015
Understanding investors’ emotions
If investors understand the predictability of their emotions they should be able to manage them, so Kim describes the relationship between market cycles and emotions. She also explains how rules and discipline help with buying low and selling high during those cycles.


JUNE 11, 2015
Dealing with market volatility
Market corrections are inevitable. Kim explains why the long-term health of investors’ portfolios benefit when they have the discipline to develop strategies that take advantage of fluctuations in the market, rather than allowing fear to generate rash decisions.


MAY 14, 2015
Make full use of tax refunds with integrated planning
Statistics show that most Canadians receiving tax refunds do not use them to save or invest. They are missing an opportunity to accumulate wealth, so Kim provides ideas on maximizing refunds through integrated planning of RRSP’s, TFSA’s and RESP’s.


MAY 4, 2015
Choosing an advisor as important as choosing investments
Investors should be as careful when picking their advisor as they are when choosing other professionals, because the decision can have a direct impact on portfolio performance. Kim provides some thoughts that should help investors make the right choice.


MAR 20, 2015
Taking advantage of Dividend Reinvestment Plans
Dividend Reinvestment Plans (DRIPs) may be the dividend investor’s best friend. As Kim points out, well-chosen DRIPs offer a range of advantages from easy and cost-effective share acquisition to dividend compounding, dollar-cost-averaging and tax efficiency.


FEB 20, 2015
Examining a common tax planning investment
Flow-through shares play an important role in Canadian equity financing, while offering potentially significant tax advantages to certain investors. Kim explains how flow-through shares work and suggests which investors are best suited to take advantage of them.


JAN 24, 2015
Mutual funds' simplicity does not mean hands off
One appeal of mutuals funds is that they seem to have a ‘buy and forget’ advantage. Kim cautions that an approach without thoughtful choices and careful monitoring can damage portfolio performance. She explains why and provides some tips for mutual fund investors.

DEC 23, 2014
TFSAs still misunderstood
Although they’ve been around for six years and have simple rules, TFSAs are still widely misunderstood. Kim thinks that’s unfortunate because they can benefit a range of investors from low to high-income earners, families, and seniors. She provides several ideas.


NOV 29, 2014
Make your charitable giving more valuable
Research data show Canadians are philanthropic; are passionate about their causes; and consider charitable impact. Kim believes this passion for giving should include tax efficiencies beneficial to the charitable organizations and to the donors. She has suggestions.


OCT 31, 2013
Value investing in volatile markets
Some pundits argue that markets can only go down because the S&P 500 is trading higher than the historical average of 15.8 times forward earnings. Kim disagrees, because their premise isn't cash-adjusted, and believes long-term value investors have opportunities.


OCT 10, 2014
Keep your emotions in check
Investors make better investment decisions when emotions are not allowed to interfere. Such discipline may be difficult to develop but it’s not impossible. Kim provides thoughts on how investors can use structure and rules to manage emotions when markets are volatile.


SEP 12, 2014
Exchange-traded products on the rise
The most popular exchange traded products are the Exchange Traded Funds (ETF), largely because investors appreciate their versatility and other benefits. Like any investment, Kim believes ETFs should be acquired according to a strategic plan. She provides some ideas.


AUG 9, 2014
Managing market volatility
Market turbulence can be a friend but many investors turn it into a foe when they panic and then react with illogical decisions. Kim thinks investors’ fear may be predictable, given the effect of media reports, so she offers some advice to help them navigate the rough seas.


JUL 30, 2014
Understanding ETFs and their liquidity
Some specialty ETF products have lower trading volumes, and many investors have concluded incorrectly that it affects liquidity. Kim explains why ETF trading volumes have little effect on liquidity, and she provides a few simple rules for ETF investors to follow.


JUL 9, 2014
Fee based accounts on the rise
Investors have been putting more money into the markets, and the number of trades has increased accordingly. Those transactions have fees and many investors are addressing the costs by moving to fee-based accounts. Kim does the math to show why it’s a good move.


MAY 16 2014
Snowbirds and U.S. taxes
The more than half million Canadians who spend long periods of time in the U.S. may not be aware that they could be subject to U.S. tax filing requirements. Kim explains how a broad definition of a U.S. person can affect Canadians and she describes the options.


MAY 16 2014
U.S. estate taxes challenging for some Canadians
A wide range of U.S. assets which, if owned by Canadians when they die, are subject to U.S. estate taxes. Kim summarizes the ramifications of the Canada-U.S. Tax Treaty for Canadians’ worldwide assets, and outlines ways to minimize or defer U.S. estate tax.


MAY 13 2014
Tech sector more crash-proof than it was in 2000
Much tech-sector commentary is at the extremes - either “everything is rosy” or “we’re in a bubble” but Kim believes a rational wider view is needed. She examines factors which indicate that, while some valuations are unrealistic, the sector is in pretty good shape.


APR 29 2014
Market-neutral strategy generates positive returns
The market-neutral strategy is a hedging approach used to get downside protection from market volatility, but its success is dependent on the manager’s skills. As well as explaining the strategy, Kim points out why due diligence in manager selection is a critical factor.


APR 22 2014
Corporate class funds offer tax efficiency
For Canadians investing outside their registered plans, mutual and ETF fund companies have products that offer tax efficiencies. Kim describes how they work, and lists some pros and cons, but cautions these funds are only suitable if they fit an individual’s tax situation.


MAR 7 2014
Adding discipline to your portfolio
When emotions overtake sound judgment, portfolios suffer. Fortunately, there are strategies to prevent irrational feelings from impacting investment decisions. Kim explains the challenge and offers approaches to make the investing process emotionally neutral.


FEB 20 2014
To hedge or not to hedge
As the Canadian dollar drops, cautious investors with exposure to foreign currency consider hedging. The need for hedging depends on the nature of portfolio holdings and it may be unnecessary for some. Kim provides a few things for investors to think about.


FEB 11 2014
Winning the Olympics investment game is a long-shot at best
The Olympics are an important advertising platform used by major corporations to improve their branding. There are positive data but fundamentals still matter and, as Kim points out, many factors must be considered by investors hoping to profit from the Olympics.


JAN 17 2014
Canadians saving more, but are they making the most of their savings?
Bewildered by Tax Free Savings Accounts (TFSAs), many Canadians use them to hold cash rather than investments. As a result their earnings are low. Kim clarifies various aspects of TFSAs that aren't understood and provides some ideas to take better advantage of them.


JAN 16 2014
Adding a global lens to your investment portfolio
Investors generally understand diversification but many fail to diversify globally. They could learn from institutional investors, who have large holdings in worldwide markets. Kim shows how global investing helps in areas like risk management and portfolio yield.

DEC 19 2013
Examining floating rate investments
Some investors who prefer low volatility investments focused on fixed-income are looking to products based on floating rate loans. Kim advises that these investments are not without risk and she provides several key questions to be considered when deciding.


DEC 12 2013
5 better ways to give to charity
Like any other enterprise, charitable organizations are affected by economic conditions and recently there has been a negative impact. Kim thinks charities increase their appeal to investors when they stress ways that benefits will accrue to donors as well as recipients.


NOV 21 2013
Time to sell?
At this time of year investors use losses to offset capital gains, and today's economic conditions may provide opportunities to acquire well-priced equities as well. Kim provides some thoughts and reminds investors to consider carefully which holdings they sell or keep.


NOV 7 2013
Preserving income through insured annuities
Life expectancy has risen dramatically, so that the possibility of outliving retirement funds may now be the biggest risk facing retirees. Kim suggests an attractive solution that provides stable lifelong income and returns the capital to the estate at end of life.


OCT 25 2013
Understanding exchange-traded fund weightings
Index weighting is a key performance driver in exchange-traded funds (ETFs), but few investors understand the various weighting methods. Kim explains why it is important for them to consider ETF weightings carefully when making decisions for their portfolios.


OCT 18 2013
Mitigating the effects of the unexpected
Most Canadians realize that a major health incident would likely trigger an immediate financial crisis, and have a serious adverse effect on their retirement plans. However, few are prepared for such an event. Kim talks about the issue and suggests a way to address it.


SEP 13 2013
Reduce the pain of saving for kids' education
Many Canadian parents have found that saving for their children's postgraduate education is straining their ability to save for retirement. Kim offers strategies for enhancing their capacity to save by integrating the benefits of various registered savings plans.


SEP 13 2013
Leveraged and inverse ETPs gaining momentum
Some investors may be adding considerable risk to their portfolios by not fully understanding the products. Kim believes that average investors should be very wary of leveraged and inverse ETPs, and explains why they should avoid these complex hedges.


SEP 10 2013
Focusing solely on beating the market is a mug's game in a volatile landscape
Investors who focus only on beating the markets are not as happy as those with comprehensive plans integrating all aspects of their finances. Kim presents studies showing the second group is both more contented and confident about their financial well-being.


AUG 30 2013
Don’t be afraid of retirement planning
Many Canadians are worried about saving enough for retirement and Kim wonders if they are stressing over a number that is too high. She doubts the 70% "rule of thumb" is accurate, and suggests ways to establish the right figure and do other retirement planning.


AUG 8 2013
Finding the best return for your cash
Many investors have good reasons for keeping their money out of current markets but cash shouldn't be allowed to remain idle. It must be working while investors wait for the most opportune moment to redeploy into higher-return investments, and Kim offers a few ideas.


JUL 23 2013
Reiterating some 2013 REIT investment realities
With low interest rates generating demand for yield, REITs continue to be popular but Kim cautions investors not to base decisions on yield alone. REIT yields are affected by various factors which must be assessed carefully before final investment decisions are made.


JUL 19 2013
Trailer Fees: Clients should know the price tag
Before investors can make informed decisions they must know all the costs, which is not possible if fees are imbedded in the products. Investors must have transparency, and Kim believes it begins with full and open dialogue early in the client and advisor relationship.


JUN 3 2013
Avoiding the pitfalls of home country bias
Canadian investors have been experiencing rocky markets but some of the volatility is due to "buying Canadian". Kim says investors can ease that home country concentration, and increase their defensive positioning, by diversifying into U.S. equities. She has suggestions.


MAY 22 2013
Portfolio solutions for busy investors
In volatile markets some investors believe active management is the only solution. With supporting statistics, Kim explains why that approach should be balanced with others and suggests one that gives the investor flexible and low stress management in such markets.


MAY 21 2013
Volatile marketplace provides opportunities to build investment portfolio momentum
Calm investors use momentum investing to benefit from the impact of the nervous, but this style of investing comes with risks and is not for the faint-hearted. Kim shows how cautious investors can balance risk by combining a momentum strategy with a value approach.


APR 18 2013
Investors gravitating to fee-based portfolios
Kim describes transparency in the fee-based model, and its cost savings and efficient portfolio management. She also outlines related financial research and guidance associated with the holistic approach of a fee-based account, and the financial benefit of that advice.


MAR 26 2013
After PDAC, opportunity emerges in junior miners
The TSX Venture Exchange declined after the Prospectors & Developers Association of Canada convention, and part of the drop can be due to financing and the solvency of many junior companies. Kim thinks investors could find opportunities arising from the turmoil.


MAR 14 2013
Keeping emotions out of your portfolio
It's important to "think with your head, not your heart" but the data indicate that many investors find it is easier said than done. Unfortunately, it means portfolios suffer. Kim reviews the data and offers ideas to keep emotions away from investment decisions.


MAR 4 2013
Is it time for exchange-traded products?
With the skyrocketing growth of exchange-traded product (ETP) investment, Kim notes that the trend is accompanied by a desire for active and quasi-active ETPs. She describes how investors can access these tactically managed products and the benefits of each method.


FEB 22 2013
Next RRSP season, hold the trauma
The RRSP deadline causes stress for more than half of investors but Kim believes the tension can be avoided. She outlines ways to reduce the stress by making the funding easier, by setting priorities for RRSP investing, and by considering investment strategies.


JAN 22 2013
Successful business succession planning starts early
After years of building their businesses, many owners find succession planning is an emotional task. Kim thinks it might be less challenging than it appears because there are many choices, particularly for those who want to keep the business in the family.


JAN 16 2013
Choosing between RRSPs and TFSAs
Whether investors decide to use an RRSP or a TFSA depends a lot on individual situations, including such factors as investing timelines and whether tax-free or tax-deferred benefits are best. Kim urges an early start and provides a few thoughts for investors to consider.


JAN 13 2013
How safe is your money?
When Canadian investors see political uncertainty around the world and endless commotion from the European Union, they wonder what would happen if their bank or brokerage failed. Kim provides detail to help them understand how their investments are protected.

DEC 21 2012
Canadians getting more charitable
Statistics show that Canadians are generous in helping others, but the numbers also indicate that nearly half donate on an ad hoc basis. Kim believes that strategic thinking should accompany the kindness because planned giving benefits both donors and recipients.


DEC 5 2012
Dividend equity gains popularity
Inflows into dividend ETFs has been skyrocketing. Some investors wonder if the popularity of high dividend equity products can be sustained or whether a correction is due. Kim provides rationale that new classes of buyers will ensure the yield trade remains intact.


NOV 21 2012
Tax loss selling now can help reap dividends later
Tax loss selling requires a strategy and those who plan are the ones who benefit. Kim explains a few aspects of this tactic and offers thoughts on opportunities. She cautions that selling a stock to trigger a tax loss should only be done if you have a good reason to sell.


NOV 2 2012
Generate revenue with real estate
REITs are a popular way for investors to hold real estate assets without buying the bricks and mortar. Kim points to a number of key factors that bode well for REITs to sustain their popularity as a primary source of investment return offering steady cash flow.


OCT 18 2012
Financial advice for new parents
Some parents may think a university education for their newborn child is such a faraway event that it can be left until later, but Kim believes that they are well-advised to start sooner. She offers cost projections as well as some ideas on building an education fund.


OCT 19 2012
Women in business embrace risk
Because of their indisputable and growing success, businesswomen are role models for both entrepreneurs and investors. However Kim has observed that woman business leaders and woman investors differ in their willingness to assume risk in order to reach goals.


OCT 10 2012
The evolution of the family business
Recent data show family businesses doing well, with much of the success attributed to family harmony. Kim talks about the impact of family relationships through the four evolutionary stages of these businesses and how the successful companies are managed.


SEP 4 2012
Learn the ABCs of ETFs before investing
Passively managed ETFs are still the most popular among investors, but new products have been coming onto the market that offer the allure of higher returns. Kim points out that the gains are usually more illusive than real, and she cautions investors to beware.


AUG 9 2012
Spend like an Olympian
Coaches help athletes achieve their goals. Children learning to handle money also need teaching, support and encouragement. You are your child's financial coach and Kim shows how athletic training techniques can be adapted to assist you in this important role.


AUG 1 2012
Investment opportunity of Olympic proportions
The Olympic Games are one of the most effective international marketing platform in history, and astute investors will consider some of the sponsor and endorsement companies for long-term portfolio opportunities. Kim provides background and rationale.


JUL 31 2012
Succession planning for your portfolio
Small business owners have much to consider in the transition from a business-derived income to a retirement income. Kim believes that the financial management challenges, combined with the delicate act of preparing heirs, require an advisor with particular skills.


JUL 26 2012
What to do if your broker quits
When investors face the predicament of their advisor changing firms they also face an important personal decision – whether to stay with the firm or go with the advisor. It is a difficult choice, requiring careful thought, so Kim provides factors for investors to consider.


JUN 23 2012
Small business owners need to focus on financial planning
The business skills and knowledge of successful entrepreneurs can be applied to their own financial plans. However, Kim finds that some are so busy managing their businesses that personal financial planning doesn't receive enough attention. She offers a few thoughts.


JUN 7 2012
Focus on valuation, not volatility
Negative news reports have reinforced investor fear and caused impulsive selling without regard for the principles of valuation. Share prices of good companies have been driven down and Kim advises investors to focus on valuations and strategy, not market volatility


MAY 22 2012
Exchange-traded fund SMAs worth consideration
Separately managed accounts (SMAs) and exchange-traded funds (ETFs) are complementary when combined, making a more tactical tool of a generally passive product. Kim provides detail about this and other advantages gained by the investor.


MAY 8 2012
Choose your advisor wisely
Choosing a financial advisor can be a bewildering process if a person does not know what to look for, so Kim provides details on several significant factors that should be checked carefully. She also explains why it's critical to get the answers to certain questions.


APR 25 2012
Don’t give up on fixed income
The last three years saw the most volatile markets since the 1930s and demonstrated that portfolios require the right mix of equities and fixed income. Kim advises investors to think about fixed income investments and tailoring portfolios to individual needs.


APR 17 2012
Succeeding with succession planning
Small business owners are busy people who sometimes don't find time to focus on succession planning. However, as Kim notes, they should because it's an important process that can bring significant financial benefits to both their businesses and their families.


MAR 23 2012
The social change of women in investing
Women are gaining significant economic power and are evolving as very different investors than men. They have many conservative attributes that seem to serve them well but which, without some managed risk, may not generate sufficient growth to fund retirement.


FEB 29 2012
Retirement planning for business owners
Entrepreneurs are diligent in developing business objectives but sometimes are not as attentive with retirement goals. Many plan to fund retirement with the sale of their businesses but that can be risky, so Kim points out a number of other options to consider.


JAN 31 2012
RRSPs: It pays to do your homework
Managing your RRSP investments requires much more than simply putting your money in and waiting for the tax refund. There are many techniques that can be used to enhance your RRSP's impact on your long-term financial picture, and Kim describes a few of them.


JAN 24 2012
Insurance needs for small business owners
Small business owners who worry about what would happen to their family and their business if they were unable to work, should consider insurance as part their business plans. Kim shows how insurance can address a variety of risk management issues.


JAN 19 2012
Holding companies can benefit small business owners
Efficient tax planning is a key element in the survivability of any small business. The use of holding companies can have significant tax advantages and, as Kim shows, it may also provide benefits such as creditor protection, income splitting and succession planning.


JAN 5 2012
Never too early to start teaching kids about money
Children's life lessons come from many sources and home may be the most important when learning how to handle money. It is important that parents teach children about the value of good money management and Kim provides thoughts on how it could be done.

DEC 21 2011
It is better to give and receive
December is a time for the celebration of friendship and for sharing. As Canadians express their goodwill and generosity by giving to those less fortunate, Kim reminds them that philanthropy can be managed to improve benefits for both the recipient and the donor.


DEC 7 2011
Make the most of your tax losses
Capital gains tax impacts are inevitable on successful non-registered investments but they can be reduced using a technique called tax loss selling. It is the one time when investors can benefit from 'selling low' but, as Kim cautions, this strategy requires careful thinking.


NOV 22 2011
Tax planning key to small business success
Smaller businesses face many challenges, so it's important to use every planning tool. Holding companies have potential benefits such as tax efficiency, creditor protection, income splitting and succession planning, and Kim examines some of the intricacies.


NOV 10 2011
Insured annuities help mitigate market volatility
Market volatility is most gut-wrenching for investors in or near retirement. While full investment in equities may not be suitable, neither can cash income satisfy retirement goals. Kim suggests Insured Annuities to reduce the worry of outliving retirement funds.


NOV 9 2011
Buy-and-hold the most basic ETF strategy
When investing in ETFs some investors like the buy and hold approach because it's easy. But, as Kim points out, ETF investing can use other approaches to achieve such strategic advantages as asset allocation, volatility reduction and portfolio completion.


OCT 12 2011
Be choosy when choosing an advisor
Selecting a financial advisor is a critical decision that should be made with as much care as choosing any other professional. Needs vary according to individual investors, and Kim provides a number of points to consider in finding the right match for your portfolio.


OCT 11 2011
The advantages of ETFs
As ETFs have grown in popularity, investors have enjoyed their benefits in bull and bear markets. Kim explains the advantages of ETFs and how the benefits apply. She adds that, while some ETFs may offer simplification, investing principles remain important.


SEP 15 2011
Delegation can make a big difference
In a fast-paced financial world delegation makes a difference, and an increasing number of investors are looking to discretionary portfolio management services. Kim shows how the delegation of day-to-day investment decisions can provide advantages for many investors.


SEP 14 2011
Safety in pipelines and utilities
When markets are volatile there is wisdom in taking a defensive approach. Kim thinks investors should consider Canadian pipelines and utilities because they tend to outperform during downturns and they provide significant advantages, including tax efficiency.


AUG 18 2011
Fee-based investing can save money
The fee-based account pricing model is growing in popularity with many investors for whom it has advantages, and Kim writes about several. However, this fee structure isn't for everyone and the crucial point is that you should receive value in exchange for fees paid.


AUG 17 2011
Too many advisor cooks can spoil a portfolio
Investors often begin with good rationale for using several advisors to administer their portfolios but, as financial situations increase in complexity, consolidation can be more advantageous. Kim describes some benefits of uniting accounts under a single advisor.


JUL 21 2011
The challenge of meeting retirement needs
Canadians are living longer, but a greater life expectancy requires more retirement income. Kim points out that, in addressing that challenge, there are five key risks that must be considered strategically in developing plans for a properly funded retirement.


JUL 7 2011
A different kind of business insurance
Many small business owners face huge financial and operational challenges when they lose key people. The consequences can be catastrophic. Kim says insurance is available to guard against the injurious effects, and even provide additional benefits for the business.


JUL 6 2011
Solid U.S. equities still shining
The U.S. faces difficult times but that doesn't mean investors don't have opportunities there. Kim thinks long-range investors should consider defensive, high-quality U.S. equities that have a broader focus than their home markets. The value is with the global leaders.


JUN 22 2011
Think about your mutual fund investments
Investors like mutual funds for their simplicity. And, for smaller portfolios, they provide a level of diversity hard to achieve with individual securities. However mutual funds still require care in choice and in monitoring their performance. Kim provides reasons.


MAY 22 2011
Individual Pension Plans good for over 40 crowd
IPPs are defined benefit pension plans that use tax deductible contributions to achieve pre-determined income streams in retirement. Kim notes they are becoming very popular with high-income individuals, business owners and incorporated professionals.


MAY 20 2011
Declining costs make trusts more accessible
Due to costs, trusts have traditionally been viewed as planning tools for the rich. However expenses have been decreasing and, as Kim points out, the increased accessibility has made trusts popular with families who want flexibility in tax and estate planning.


APR 28 2011
Forestry may finally pay off for investors
Timber has a tradition of being a hedge against inflation and of providing stable risk-adjusted returns, with many companies offering solid dividends. Kim supplies data from analysts indicating that the forestry industry is on the way to growth and higher prices.


APR 21 2011
Green investment options
Investors will always want to meet ecological investment objectives while owning good stocks. It begins with an understanding of what a "green" portfolio means to them, so Kim provides options that should help investors decide on an approach to sustainable investing.


APR 06 2011
Max out education savings
Because education costs are constantly escalating, there is wisdom in developing strategies that combine the advantages of RRSPs, TFSAs and RESPs. Kim explains how the right linkages can enhance education savings with free money accompanying tax advantages.


MAR 15 2011
Dividend yields an easy way to profit
Investors should consider dividend investing if they want tax efficiency, defensive positioning and superior total returns on a lower risk basis compared to the overall market. Kim explains why and provides analyst picks of high-quality, high-dividend companies.


MAR 02 2011
Energy trusts still a good bet
The conversion of income trusts created corporations with growth and yield oriented business models and a new income stream. The exploration and production energy trusts (E&Ps) merit a close look, so Kim discusses them and provides analysts' recommendations.


FEB 24 2011
TFSAs ignored out of confusion
Less than half of eligible Canadians have opened a TFSA even though they offer many advantages. Kim explains how the TFSA has something for everyone – from the young person starting a career to the high cash-flow investor, and from families to retirees.


FEB 05 2011
Tax form hints for RRSPs
Many investors make regular RRSP contributions through payroll deductions and put the tax refund into their RRSPs. But the CRA has a way to effectively get the refund sooner and, as Kim explains, it gives those investors an opportunity to benefit from earlier investing.


FEB 10 2011
Uncover hidden money for your RRSP
Setting up a proper budget is a good way of finding money to invest in an RRSP, but many people aren't sure how to start. It is most important for people to first think about how their money is spent, and Kim believes they can learn from a method used in business.


JAN 08 2011
Dividends pay real dividends
Many investors are so focused on making gains through stock appreciation that they overlook an important contributor to portfolio growth: dividends. Dividends may not be as exciting as buying and selling but, according to Kim, they're a key element in total returns. 


JAN 01 2011
Pros and cons of flow-through shares
Taxation rules legislation allow early-stage resource company expenses to "flow through" to investors as deductions against their own income. These investments can be a good tax-planning tool but, as Kim explains, they are neither simple nor suitable for all investors.

DEC 11 2010
Global energy outlook sizzling
Much of our economy depends on commodities and, while growth and debt problems exist in several industrialized countries, investors should think beyond the near-term. As Kim points out, the global energy outlook has promise for those with a long-range perspective.


DEC 02 2010
More than one way to give to charity
A recent survey shows that Canadians are a very generous people who believe in giving back to their communities. While many people still use cash to give, Kim thinks investors should consider some other ways of giving that benefit both donors and the recipients.


NOV 16 2010
Sell duds now and beat the rush
Investors who wait until December to do their tax-loss selling miss the advantages of advance planning. Kim describes some benefits of an early start and explains why, with rising markets this year, investors might consider other sources of supply for good buys.


NOV 01 2010
Tax advantage in dual structure
Tax efficiency, creditor protection, income splitting and succession planning are among the potential benefits small business owners can reap from establishing holding companies. Kim explains why qualified individuals should consider some of these opportunities.


OCT 23 2010
Put uranium on your radar screen
As governments around the world seek ways to meet increasing demands for energy without fossil fuel emissions, nuclear power is emerging as a solution. That increases the importance of uranium, so Kim provides background and thoughts for investors to consider.


OCT 09 2010
Strip bonds laid bare
Strip bonds are excellent fixed-income vehicles for long term investors, but many shy away because they don't understand them. While explaining differences between traditional bonds and strip bonds, Kim also provides figures to demonstrate their compounding power.


SEP 25 2010
DRIPs more than a drop in the bucket
A long-term portfolio strategy includes investments to generate income and tax advantages. Investors not needing dividend cash right away can use Dividend Reinvestment Plans (DRIPs) to buy shares cost-effectively. Kim describes some of the benefits of DRIPs.


SEP 04 2010
Emotions a hazard to portfolios
Emotions are detrimental to portfolio health, but investor emotions follow predictable cycles and should be manageable. Kim describes how they have affected decision-making recently, and suggests how rules and discipline can be used to reduce their effect.


SEP 03 2010
Check GICs before you buy
Economic forecasters are predicting bearish activity, so investors should prepare for near-term volatility while keeping cash ready to take advantage of opportunities. GICs are one way to store cash but, as Kim points out, there are cautions and there are other options.


SEP 02 2010
Examining mutual funds to maximize performance
Mutual funds can assist in portfolio diversification but there are cautions. Investors should watch for red flags like fees and sales charges, overlapping holdings and excessive investment in proprietary products. Kim talks about the problems and suggests solutions.


JUL 31 2010
Real estate without bricks
The return of healthy fundamentals in the office and industrial markets are positive indicators for Real Estate Investment Trusts. Kim thinks that these factors, combined with a lot of cash on their books, make Canadian REITs attractive to investors wanting income.


JUL 22 2010
Insured annuities offer a myriad of benefits
A major worry for older investors is whether they have the timelines to recover from future market volatility. Some are investing in fixed income products that pay too little to sustain retirement goals. Kim recommends a look at the distinct advantages of insured annuities.


JUL 01 2010
What HST means for your portfolio
The HST in Ontario and BC increases taxes on investment funds. Mutual fund companies are having to implement blended rates which affect all of a fund's investors, even those not in an HST province. Kim suggests options to reduce the HST effect on investment funds.


JUN 26 2010
GICs aren't as simple as they seem
Investors have been investing in GICs to generate regular growth and smooth out portfolio fluctuations. Kim says that secure investing is always a sound idea but it should be thoughtful. She offers tips, and details a strategy for maximizing GIC returns safely.


JUN 10 2010
Contrarians win when confidence down
With bearish sentiment prevailing, investors have been fleeing the markets. However some are instead adhering to the Warren Buffet maxim: "Be fearful when others are greedy, and be greedy when others are fearful." But the basic premise remains: Always buy quality.


MAY 20 2010
European stocks at bargain levels
Pessimistic headlines have investors worried about the state of the Eurozone, resulting in significant capitulation. But Kim suggests that if investors calmly assess leading indicators and other factors, particularly in Germany, they can find investment opportunities.


MAY 08 2010
Flow-through for taxes
Investors may use flow-through shares in tax planning as they are typically deductible up to 100% of the amount invested but, because these shares carry risk, Kim suggests they're most suitable for investors with a high marginal tax rate and a high risk tolerance.


MAY 01 2010
Beware of on-line stranger's advice
Because the Internet is considered analogous to a library, investors can too easily trust advice found there. The Internet may have good information but it also has scam artists and, as Kim points out, acting on their advice can have serious negative consequences.


APR 14 2010
Exchange-traded fund strategies
Exchange-trade funds (ETFs) are growing in popularity with investors who want reasonably passive investing, flexibility and low cost market returns. Kim provides versatile strategies to achieve appropriate asset allocation while constructing an ETF portfolio.


APR 01 2010
Fixed income funds attracting those who missed the recovery
Long-term portfolio planning should include sustainable income generating products to provide a consistent income flow and reduce volatility and, like other assets, they should be properly diversified. Kim offers some thoughts for a multi-strategy approach.


MAR 27 2010
Keep your faith in income trusts
Many income trusts plan to convert into corporations prior to implementation of the SIFT tax in 2011. It is one of the issues non-registered income trust investors must consider in deciding which to hold through conversion. Kim assists with a sector by sector analysis.


FEB 26 2010
A savings plan good for life
There are reasons to invest in RRSPs, in addition to saving for retirement, but polls show that Canadians are not taking advantage of them. Kim points out some of the alternative ways that RRSP savings can be used to help achieve other important family goals.


FEB 13 2010
Life is unpredictable, so have a backup plan
It's never pleasant to contemplate awful events, but the unexpected can destroy financial plans. Kim believes investors must ponder such things, and it starts by asking themselves how they would support family and plans if their ability to earn a living stopped suddenly.


FEB 05 2010
Beware the 'F' word: Fees
It is important that we think carefully about all aspects of our investments, but too few investors think about their fees and how to limit their impact on portfolio performance. Kim focuses on some areas for thought and generates ideas for reducing the fees you pay.


JAN 22 2010
Women earners entitled to a fresh approach
Studies show that women have the right attributes to be excellent investors but often don't recognize their strengths or the need to build on them. Kim describes some of these characteristics and points to reasons women should do more to protect their future.

DEC 29 2009
Clear plan crucial for next decade
2009 saw the end of an astonishing market correction, which was followed by an equally phenomenal rally. There is always value in learning from the past and, as we enter the new decade, Kim describes a few of the lessons that 2009 provided for investors.


DEC 22 2009
For those seeking growth, income
Convertible debentures are one approach for investors wanting an income stream as well as exposure to equities but, as Kim cautions, you need to be well diversified with a moderate to high risk tolerance. She outlines a few pros and cons of these investments.


DEC 10 2009
Don't let inflation erode your portfolio's value
Some investors remain cautious about the markets and are holding cash in money market funds where inflation erodes them. Kim says that, while investors wait for the right evidence of recovery, there are alternatives that provide hedges against inflation.


NOV 28 2009
Giving to charities a win-win in hard times
Funding for charitable organizations is decreasing as the demand for their services increases. Investors' philanthropy can help their financial plans as well as giving aid to others. Kim offers several ideas for integrating charitable giving and financial planning.


NOV 12 2009
Embracing market volatility
Some think of market volatility as an investor's enemy. Kim suggests that, if an investor's approach encompasses a focus on valuation and rational planning, volatility can be a friend. She offers thoughts on how cool heads can use market excursions to long-term advantage.


OCT 31 2009
Canadians not exploiting the TFSA
Many investors are not maximizing their tax-free savings accounts, simply using them as savings vehicles. Kim offers ideas for using TFSAs to reduce taxation on high yield products or growth vehicles, as well as recommendations that can benefit retired seniors.


OCT 27 2009
Start your tax-loss selling now
Investors normally conduct tax-loss selling in December but this year it may be wise to start earlier. Kim believes that improved timing and a tactical approach to tax-loss selling is not only wise but also defensively positions a portfolio in this uncertain environment.


OCT 01 2009
Investors on the sidelines
The 2009 rally was more vigorous than pundits predicted, and some investors missed it. They now have tough choices. Kim cautions against rash moves and suggests that, when significant upside has been missed, investors should think about an income strategy.


SEP 16 2009
Leveraged exchange-traded funds can be risky
Leveraged and inverse-leveraged ETFs are gaining popularity with retail investors but Kim does not recommend them. ETFs are not all created equal and these can be risky if investors don’t comprehend how they work or how the underlying benchmarks are derived.


SEP 03 2009
Desperate times call for calculated measures
Some investors are trying to recoup losses with overly risky approaches and no strategies when, as Kim points out, a cool head and sober assessment should be used. Rational planning and analysis must not be replaced with irrational reaction to market swings.


AUG 18 2009
Don't forget exit points
There is debate on the future of the recent rally. Kim believes that you should be prepared for market corrections by adhering to a strategy that includes reassessing your risk tolerance, researching buying opportunities, and setting appropriate entry and exit points.


AUG 06 2009
Emerging market growth tied to technology
There are predictions of major growth for China next year. Chinese incomes have risen significantly and Beijing is implementing plans to boost economic growth by encouraging consumer spending. Kim believes technology companies in particular have much to gain.


JUL 30 2009
Putting your advisor under scrutiny
The news media have run a number of stories about investors who suffered serious losses because of dishonest advisors. Kim shows investors how to get a better understanding of their portfolio management by asking questions of themselves and their advisors.


JUL 09 2009
Lessons learned from top investment gurus
Prominent investment leaders all have unique styles but they approach investing with consistency in their core philosophies. Kim describes some important lessons we can learn from these gurus, and use in our own portfolio strategies.


JUL 02 2009
Time for fund housekeeping 
Mutual funds are not a 'buy and forget' investment. In fact, there are many aspects to them that should be reviewed closely and regularly. Kim highlights some key elements that the mutual fund owner should examine to help ensure alignment with investing goals.


JUN 11 2009
Finesse required for Estate Planning
As important as it is to increase your wealth, it is equally important to protect its transfer to your beneficiaries. A growing estate faces a growing potential tax liability that can be huge. Kim shows how Estate Planning can reduce the impact of the tax losses.


MAY 28 2009
Giving to support charities, maximize benefits
Canadians choose to help others in many ways, from volunteering to writing cheques. Many of those who give money will want to ensure they maximize the benefits of their philanthropy for both the recipients and for tax reduction. Kim demonstrates one method.


MAY 19 2009
Gold the only asset that did its job
Gold got much criticism in 2008 despite the fact that it outperformed the broad markets. Stock market indexes dropped while gold finished the year up 4%. With inflation a possibility, Kim explains why investors should consider bullion as a hedge against it.


APR 30 2009
Whose advice is best for you?
Discount or Full-Service? There are many aspects to consider and a wrong decision can cause unhappiness. As Kim points out, the important question is: "What's right for you?" - which can only be answered by closely examining all aspects of the issue.


APR 16 2009
Dividends the Safest Route Back Into Markets
For investors wanting to re-enter the markets cautiously, Kim explains how Canadian dividend-paying utilities not only provide a defensive approach but also offer income, tax advantages and room for growth in share value.


MAR 23 2009
Close Your Till to Counterfeiters
When the economy is ailing scammers get more active and one of their favourite targets is the small business owner. Fortunately losses to scammer thieves can be reduced. Kim talks about scammer techniques and lets you know where to get free training for your staff.


MAR 18 2009
Follow Head, Not Heart
Many people have suffered portfolio losses that might have been avoided if proper checks had been in place to remove emotion from decision-making. A well-defined strategic plan is the most important piece in achieving financial success, and Kim explains why.


MAR 05 2009
A ‘Green’ Firm Is Usually A Well-managed One
There are important reasons other than ‘because they are green’ to invest in companies who achieve both sustainability and profitability goals. As Kim points out, this combination of successes indicates the likelihood of solid management in charge.


FEB 26 2009
A Closer Look At Preferred Shares
Preferred shares are a hybrid between a common share and a bond and some investors look to them for income. Like other investments you must do your homework and Kim points out a few things to watch for.


FEB 05 2009
Green Investing Still Pays
Sustainability goals are not at odds with good business practices and a little green in your portfolio may help it grow. Kim points out a number of hard-nosed business reasons that some blue chips are going green.


JAN 28 2009
Look For Yield In Dividend Stocks
A lot of cash is sitting on the sidelines. History shows that when cash starts moving back into the markets the bull comes with it. Kim suggests ways to generate some income as we wait out the near-term volatility.


JAN 08 2009
Let Simplicity be Your Guide – A History Lesson
It’s been said that if we don’t learn from history we’re doomed to repeat our mistakes. Kim looks to the speeches of President Franklin Roosevelt and finds analogies with events today, and lessons to remember.


JAN 08 2009
A Good Time to Follow Graham’s Principles
Kim refers us to the teachings of Benjamin Graham, the father of value investing, for guidance during volatile times. Buying right with strict adherence to the principles of fundamental analysis is always good advice.

DEC 24 2008
Kick-starting your financial plan
Year-end is a good time for relaxing with friends and family. It’s also a good time to think about whether your portfolio is still in sync with your financial goals. Kim provides a few questions for you to ponder.


DEC 11 2008
‘Buy and Hold’ Revisited
With investors continuing to be nervous in volatile markets Kim looks to the teachings of Benjamin Graham, the father of value investing, for a lesson in picking stocks that weather the storms.


NOV 27 2008
Tax-Free Savings Accounts: A Sound Investment Option
Kim believes the TFSA is one of the most important advancements in personal savings since the introduction of RRSPs in 1957 and she explains why they are a good product for everyone.


NOV 15 2008
Hedge funds triggered the vortex of panic
It may be easy to find the obvious causes of downward pressure in the markets but, as Kim explains, it’s important to look beyond the apparent answers in order to find the less visible forces.


OCT 30 2008
Questioning Fees Is Always Sound Advice
Advisor fees affect the bottom line of your portfolio and you should be sure to have a full and frank discussion about them. Kim believes you should ask many questions and expect black and white answers.


OCT 16 2008
Insured Annuities – Making a Difference in Retirement
Seniors over 60 in good health can do better than straight annuities. With insured annuities they can receive guarantees of higher income, lower taxes, capital preservation and tax-free transfer to their estates.


OCT 04 2008
Nothing to fear but fear itself
Some people are not sleeping well because they worry about market volatility. Kim explains why the worry is unnecessary with a well-planned portfolio stocked with the right investments and timeline.


OCT 02 2008
Responsible investing requires patience
A reader expresses interest in SRI but doesn’t know where to begin. Kim provides pointers along with some specific thoughts on funds and directly investing in both blue chip and small cap companies.


SEP 18 2008
Sustainable Investing: A Solid Option
Some people dismiss SRI as a tree-hugger movement that is neither productive nor profitable. Kim begs to differ using a very successful retailer as an example - with tips on selecting the right green funds.


SEP 04 2008
Keep Investment Approach Rational in Volatile Times
Some people are not sleeping well because they worry about market volatility. Kim explains why the worry is unnecessary with a well-planned portfolio stocked with the right investments and timeline.


AUG 21 2008
Investing In The Olympics
A reader asks about benefits arising from the Olympic Games, and Kim responds with thoughts about the Olympic Partner Programme companies and why some of them might be good investments.


AUG 07 2008
Flexibility for Your Portfolio
Some investors worry about volatility while others seek opportunities in it. Kim says that, no matter which side you are on, you have choices – with options available both to capitalize and to reduce risk.


JUL 24 2008
Protecting Your Portfolio
A reader worries about the roller coaster market. Kim explains that, while markets may have turbulence, there are products and services that people require and which prosper in both up and down markets.


JUL 10 2008
REITS: A Good Hedge In Volatile Times
Real estate investors who only buy and sell properties can lose when property values drop. Kim explains that there are ways to invest in real estate markets yet remain safe, liquid, and properly diversified.


JUN 26 2008
Finding the Best Place to Park Your Money
GICs, bonds, and money market funds may not be the best place to keep your cash while you decide on investing. Kim suggests secure high-interest options that are preferable.


JUN 12 2008
Tax Loss Decisions Require Careful Thought
Offsetting capital gains and reducing your tax bill requires careful analysis and planning. Tax season may be a long way off but it’s better if planning is done sooner rather than later.


MAY 29 2008
Controlling Investment Fees
It’s easy to overpay in investment fees. Kim explains how they work and why you need to think about what is best, and least expensive, for you. You need to get it clear with your advisor.


MAY 15 2008
Agriculture Stocks, Funds Take Off
Feeding the world will require capital to invest in agricultural research. You can help by investing, through direct exposure such as stocks or less expensively through agricultural ETFs.


MAY 01 2008
Living Beyond Our Means
Proliferation of easy credit has created a real debt-load mess in Canadian society. Kim provides background and shows how we can learn a lot from the example set by our predecessors.


APR 17 2008
Are DSC Funds Right For You?
On the surface, Deferred Sales Charges sound like a really good idea. Kim exposes some decided disadvantages that the mutual fund salesperson probably didn’t tell you about.


APR 03 2008
Managed Accounts Provide Flexibility
Kim explains how to get a basket of investment assets with ownership of the underlying securities and institutional-calibre portfolio management, but not the downsides of mutual funds.


MAR 08 2008
Shop Around For Best Fixed Return Investment Option
Fixed return investments are not all created equal, and we need to apply strategic and tactical thinking to that part of our portfolios. It is thinking best not left to a financial institution.


FEB 21 2008
Protecting A Most Important Asset
We take care choosing our investments, and care in protecting them along with our other properties, but Kim thinks we often forget to protect a key asset – our ability to keep earning.


FEB 07 2008
Educating Kids About Money
We spend time thinking about our budgets and investments but are we forgetting to pass important lessons on to our children? Kim has some thoughts and suggestions.


JAN 24 2008
Keeping Your Portfolio Balanced
It would be hard to overstate the importance of proper asset allocation. Although asset allocation isn’t always simple, Kim explains there are four basic steps that should always be taken and which will make it easier.


JAN 10 2008
Don’t Limit Yourself to Mutual Funds
Some people make the mistake of limiting their investments to mutual funds. Kim explains that they not only miss excellent out on opportunities but they also expose their earnings to serious risk.

DEC 27 2007
Holding Companies’ Merits
There are many ways for the taxman to reach into your pocket – large portfolios, operating company shares, rental properties, etc. Tax reduction is just one benefit of establishing a holding company.


DEC 13 2007
Charitable Investing: Manage Your Giving
Kim explains how Charitable Giving funds allow you to manage your philanthropic endeavours actively while gaining a number of immediate benefits with cost-effectiveness and flexibility.


NOV 29 2007
Diversify by Investing Globally
Canada is a small player on the world equity stage and therefore portfolio diversification may mean looking abroad. However, our buying decisions must still be based on solid business principles.


NOV 15 2007
Investing in Reverse Mortgages Can Be Risky Business
The industry advertising wants us to believe that reverse mortgages only have upsides, but Kim warns that there are important questions to be asked and answered before going down this road.


OCT 18 2007
Exchange-traded Funds Provide Flexibility
Kim explains how ETFs allow you to add a specific asset class, sector, style, market cap or region to your portfolio with much more flexibility and less expense than buying mutual funds.


OCT 04 2007
Gold: A Safe Haven in Volatile Times
Gold is an excellent hedge against market volatility and a safe haven to protect capital. There are many ways to invest in it but one of the easiest and least expensive is through exchange-traded funds.


SEP 20 2007
Green Investing for Maximum Return
Some top enterprises are leaders in environmental stewardship and, as Kim points out, they demonstrate that environmentally friendly investing can improve your portfolio’s bottom line.


SEP 06 2007
Return On Responsibility - Sustainable Investing for Your Portfolio
Socially responsible investing (SRI) has been around for a long time but misconceptions still abound. Kim takes a close look and finds that SRI has a significant payback for investors.


AUG 23 2007
A Clean Interface For Your Money
Kim believes that the shortest distance between two points of view is straight talk and, as she demonstrates with this column, her hallmark for both investment advice and writing is honest discourse.