Planning Matter$

The following 100 plus published articles, all written by Murray, now appear regularly in the Business Gazette which serves Campbell River and the Comox Valley.  Formerly, his Planning Matter$ bi-weekly column was a popular feature in the Campbell River Courier-Islander newspaper until their corporate takeover by Black Press in April 2015.  While they summarize general economic and financial planning principles, they should not be considered a replacement to advice tailored to your circumstances.


Are you Diversified?
Tue, 2017-05-16
  When I first entered the business diversification was primarily the tool an advisor used to ensure that all of a client's invested monies didn't move in the same direction at the same time....
Mon, 2017-05-01
What is a fair rate of return?  It seems such a simple question but is not so easily answered. We often refer to the "risk-free" rate of return which could mean a GIC or term deposit where there...
Term Life Insurance Renewal
Fri, 2017-03-10
I received mine today in the mail. Term is still the best and most affordable option to gain the highest coverage where a loss of income would have significant impact on dependants. Term refers to...
The Hangover
Thu, 2017-01-26
For some, the financial obligations of a credit-fueled December can bring forth a very sober reality of the year ahead.  For a few, it is unfortunately the continuation of a downward spiral....
CRM 2 The "new" Client Relationship Model
Fri, 2016-12-09
CRM 2 is the client relationship model initiated by the Canadian Securities Administrators that comes into effect January 1, 2017.  It's been a long time coming and a true win for investors,...
The Number
Wed, 2016-09-21
Despondent they sat across my office desk.  Eyes focused down.  They had just returned from a company-sponsored retirement planning workshop. The "expert" had informed the group that they...