Financial Rhino - Tiana & Keta Pllana

Finally hired an assistant! Please contact me directly to book an appointment as she hasn’t quite mastered her writing skills!

When you purchase mortgage insurance through the bank do you know your family is not the beneficiary but the bank is? Term insurance is often more affordable, more flexible, and you choose your own beneficiary! Text me at (780) 242-7556 if you’re curious what term insurance would cost for you!

Have you ever wondered how some of the largest institutions in the world such as Canada Pension Plan or Ontario Teachers' Pension Plan invest their funds? Both have significant investment in private equity! In fact, some of the world's most esteemed institutions such as Harvard and Yale invest in private equity as a means to diversify risk and enhance returns over the long run.
Call me at (780) 242-7556 to see if private equity would be a good fit in your portfolio too!

We insure what we think matters most. But, your most important asset isn't your home or car... it's you! Critical illness insurance can help protect you when the unexpected occurs. Take the quiz to see how well prepared you are!

Now that kids are all officially back in school it's a great time to talk about saving for their post-secondary education through a Registered Education Savings Plan (RESP)! Have you started saving for your child's education? Do you know the government will match your contribution by 20%, up to a maximum of $7,200? Contact me if you have any questions about how RESPs work or if you'd like to set one up today! 780.242.7556

Have you ever heard of exempt market investments? Years ago, exempt market investments were not accessible to everyday investors. They were reserved for institutional investors and high net worth individuals with connections to the right people. Just as investing on the stock market has become extremely accessible to everyday investors, exempt market investments are now accessible to “regular people” like you and me! Let's say you want to invest in commercial real estate but ...lack the necessary funds. Exempt market securities are an interesting option available that will allow you to own a piece of commercial real estate without actually owning the entire property. As a comparison, think of the difference between owning a business and buying shares of a particular business. It’s almost like crowdfunding for commercial real estate except the backers actually benefit from the profits! Simply put, exempt market securities are an interesting way to diversify your portfolio while balancing risk and liquidity.
Contact me at (780) 242-7556 for more information!
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With our wedding quickly approaching, my fiancé and I talk about finances and budgeting more than ever before... and probably a little more than we need to! There certainly isn't a one-size-fits-all approach, and you and your significant other don't necessarily need to have the same opinions about money. What is important is that you're able to have open and honest discussions with each other so finances don't take a toll on your relationship!

I'm officially back to work!! I spent the last month in Poland, Kosovo, and Albania vacationing with some great friends and family! Now that I've depleted my vacation fund, let me help build yours up :)

Very informative article!

Life insurance vs. mortgage insurance. Do you know which you have?

Did you know that I offer Group Benefits?
If you are a business owner or an employee in HR and you think your company could benefit from a COMPLIMENTARY audit of their existing policy to: - save money, - have a better relationship with the Broker,... - cover more benefits that are important to you/your employees, - leave a provider you are unhappy with, then give me a call! (780) 242-7556
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Check out this TFSA calculator to find out your savings potential!

Remember, investing is a lifelong journey!

If starting at age 25 you invested $150 every pay cheque, with a 5% interest rate your investment would be worth nearly $500K at retirement.
Tips: -Pay yourself like you would any other bill... think of it as an obligation, not an option. -Set it up to automatically be withdrawn from your account. Don't rely on self-discipline.... -Track your spending! Subtract your expenses from your income and notice how much is left over. Do you know where it is all going? You may be surprised how much you're really spending on coffee, dining out, or shopping! -Consider a TFSA and/or RRSP as both can hold investments and have some flexibility. They're also less easily accessible than a basic savings account so you won't be as tempted to make regular withdrawals. -Start today! Even if you can only save $50 each month, do it!
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"We expect banks to be honest with their clients ... and now we are learning that those employees are under considerable pressure to sell, sell, sell to boost profits of the banks".
This is one of the many reasons why it's so important to have a financial advisor outside the bank! Get a second opinion, educate yourself and know your options!

Are you aware of the various investment vehicles that can be held in a TFSA? GICs, mutual funds, stocks, bonds, segregated funds, etc. are all TFSA eligible! The beauty of holding investments in a TFSA is that your money grows and can be withdrawn tax-free at any time!