FREE Resources

Welcome to our Free Resources centre, containing a library of information reflecting much of Talbot Stevens' personal finance research and writing. Over the years, Talbot has written for The London Free Press, Canadian MoneySaver, Money Digest and Investment Executive. We invite you to share this material, and if you have your own web site, please feel free to link to ours.

Please note that although the figures in the Articles, News Releases and Strategy Sheets were accurate at the date of printing, some details may not be current, due to subsequent changes to government regulations, tax laws, market conditions, etc. See your advisor to confirm that any ideas are current and appropriate for your situation.

General

This section contains general topics that are not specifically related to RRSPs, borrowing to invest, or maximizing retirement income. More ...

Leverage

To help advisors and investors better understand how to responsibly use "forced savings" (borrowing to invest), Talbot has a variety of FREE resources, including: Top Tips, Q&A, News Releases, Concept Sheets, published Articles, Strategy Sheets, software trials, and prospecting letters. More ...

Maximize Retirement Income

Most financial goals, including retirement planning, equate to producing an after-tax income at some point in the future. Before-tax, future value comparisons can lead to the wrong conclusions when contrasting apples and oranges. Talbot's newest research pioneers fundamental analysis of which investment strategies produce the most after-tax income, accounting for behaviour and the 'hidden tax' of clawbacks. More ...

RRSPs

RRSPs are accepted as the foundation of an individual's retirement savings strategy. In addition to addressing the basics, Talbot examines the overlooked behavioural factors, when it makes sense to use a larger RRSP catch-up loan, and even when it can be better to invest outside of RRSPs first. More ...