Planned Philanthropic Giving Guide
A comprehensive guide for anyone contemplating meaningful charitable giving.
Good Advice
Helping your money make money.
Retirement
Why every financial plan is wrong —and that’s OK
As interest rates, inflation, markets, and even you will constantly change over time, a financial plan can never be 100% accurate. But here's why you still need one.
The importance of planning early and often
Financial plans are not a “one and done” exercise. Learn why you need to regularly update this living document to stay on track with your financial goals.
How to succeed as a solo retiree
Facing retirement as a single person can be daunting. Here we offer six tips to make your retirement journey smooth and stress-free.
Aging in place
Many Albertans wish to stay in their own home as long as possible. This resource will help you identify planning and prevention considerations for aging in place.
Retirement planning - it’s not just about finances
A fulfilling retirement is more than having financial security, it requires a healthy body and mind, having a purpose and maintaining strong social connections.
Understanding Registered Retirement Income Funds
Uncover the subtle differences between RRIFs and RRSPs and identify which may be a better fit for you and your retirement goals.
Education
RESP options when your child changes course
An RESP is a great way to save for your child’s education, but what happens if they choose not to pursue a post-secondary program?
A financial back to school checklist
As school starts this fall, here is a list of financial considerations, including your budget and education savings plan.
Understanding your RESP options
Learn about RESPs: how much you can contribute, what government grants provide, and what happens if your child doesn't attend a post secondary institution.
What do I need to set up an RESP?
There are 3 basic documents needed to set up an RESP. Learn what they are so you can be prepared and make the process quick and easy.
What do you need to withdraw money from an RESP
In order to withdraw funds from your RESP you'll need to complete some steps for validation. Read through as we uncover what these steps entail.
Maximize Your RESP Contributions
Take advantage of the government grant that matches up to 20% on your contributions to an RESP and learn about carry-forward room for missed contributions.
Estates
Succession planning for the family vacation property
Your vacation property is an important part of your estate, and requires special consideration. Start the process with these important questions.
Planning for digital assets
Learn about digital assets and the importance of considering these unique assets in your estate plan in an increasingly digital world.
Three ideas for charitable giving in your lifetime
If you are looking to support a charitable cause today here are some ideas on how to do so.
Considerations for charitable giving
Before meeting with your lawyer or accountant to discuss making a charitable donation, consider these important questions.
Planning in advance to transfer wealth, and fund your estate goals
If your estate goals include leaving financial gifts, it’s important to ensure your generosity won’t impact your desired lifestyle. A financial plan can help achieve both.
Providing for your pets after you’re gone
Pets are part of your family, but have you included them in your will? Here are four tips to make sure your pets are looked after.
Tax and Protection
Four tax and financial planning to-dos before the end of 2024
Set yourself up for success in 2025 by taking action on these important tax deadlines in 2024.
'Tis the season for charitable giving
Considering a charitable gift before year-end? Learn more about the tax advantages and how this can reduce the after-tax cost of your donation.
How capital gains tax changes impact year-end planning
Taxpayers impacted by the capital gains inclusion rate increase have additional decisions to consider this year.
Capital gains tax changes: what it means for your corporation
With expected changes coming to the capital gains inclusion rate on June 25, 2024, we discuss the potential impact to corporations, as well as some strategies to consider.
Capital gains tax changes and the impact on your personal finances
This article discusses the potential impact changes to capital gains taxation might have on your personal financial situation.
Using estate freeze planning as a tax deferral strategy
Estate freeze planning is a popular strategy when it comes to tax deferral. Learn more about the benefits and risks that come with this type of approach.
Investing and Saving
The ATB Wealth Investing Fundamentals Guide
Grow your knowledge of investing and increase your confidence around managing your money.
How to invest while paying off debt
Does it make sense to think about investing if you’re carrying debt?
Why a spending plan beats budgeting
Don’t like budgeting? Try a spending plan instead, which will empower you to say “yes” to what’s really important. We show you how.
Why asset allocation is key to investment success
Building a home requires careful planning and so does an investment portfolio. Find out how asset allocation can be your blueprint for investment success.
Passive vs. active investing
Passive and active investing can both play an important role in a portfolio. Learn about the benefits and limitations of each approach.
Five ways to overcome the challenges of diversification
We explain the behavioural biases that come with maintaining a diversified portfolio and strategies to overcome them.
Is now the time to buy a GIC?
When GIC rates increase, investors notice – especially when markets are turbulent. But there are both benefits and drawbacks to consider when looking at GICs.
Markets
Will the US election impact your portfolio?
Elections often create heightened uncertainty for investors—here’s how to protect your portfolio, no matter the outcome.
How markets react to interest rate changes
We explore how markets reacted to past interest rate cuts, and discuss how investors can cushion their portfolios from a possible downturn in the market.
Why diversified investors are quietly benefitting from AI
Learn more about artificial intelligence across sectors, and your exposure to AI as an investor.
Timing the market is tricky, but investing doesn’t need to be
Market dips and rallies in 2023 reinforced that investors are more likely to be successful when they stay invested.
Thinking about investing in AI? Get to know the basics first
Whether you’re just curious about artificial intelligence or researching stocks, start with this primer on AI.
When to get back into the market
Persuasive negative market narratives can make it tempting to switch to low-risk cash products. Find out how to get back in when markets recover.
Lifestyle
Helping your child with their first home
Parental instincts might compel you to help your child buy their first home, but there are many pros and cons to consider, as well as government programs that can help.
Tips for passing financial sense to the next generation
Having early conversations about personal finance can set the next generation up for financial success throughout the course of their life.
Wealth is more than just money
Wealth means having riches across all facets of your life. Our Private Investment Counsel team discusses the qualities shared by those who consider themselves truly wealthy.
Four tips for growing a strong legacy on the family farm
ATB Wealth senior financial advisors share their top tips for overcoming the most common challenges for growing intergenerational wealth on the family farm.
Buying versus renting your home
It’s possible to build wealth both as a homeowner and renter, but which one is the better choice for your future? Find out in this breakdown of both scenarios.
Four tips to thrive as a gig worker
The gig economy is growing, especially among millenials and Gen Zs. Here we offer savings and insurance tips to help set gig workers up for success.
Insurance
Are my group benefits enough?
Many workers are covered by employer-provided group benefits, but depending on your household needs and expenses, more coverage may be required to protect you and your family.
How much life insurance do I need?
Use this assessment and article to guide you through understanding your lifestyle protection needs.
Answering your questions about disability insurance
Understanding disability insurance, including applying for disability insurance and compensation timing.
Applying for life insurance - what to expect
Applying for life insurance is an important step in preparing for the future, but it can feel overwhelming. Here's what to expect.
How to choose the right type of life insurance for you
Your specific life needs will help determine the right life insurance for you. Here we help you understand term, whole life and universal life insurance options.
Dispelling myths about life insurance
Dispelling common myths about life insurance to help you decide what insurance is best for you.
Fraud Prevention
How to spot attempted investment fraud
Online fraudsters can fool even the most savvy social media users. Protect yourself from investment fraud by knowing the red flags.
Falling victim to a fraud or scam
Falling victim to a scammer could derail decades of retirement planning and saving. Find out how to plan for the unexpected in retirement.
Protecting yourself from investment fraud
Fraudsters have many ways of tricking unsuspecting investors. Learn more about the most common types of investment scams and how to avoid them.
Fraud prevention starts with knowledge.
Stay up to date with information on fraud awareness and protection.
ATB Wealth experts are ready to listen.
Whether you're a beginner or an experienced investor, we can help.
Email: atbwealth@atb.com