Mary Keetch Financial Services

Welcome to my website

My mission is to help clients understand how investments and insurance can make a positive difference in their lives. I have 20 years industry experience and focus my practice around the client. Each individual is different and attention must be given to that persons goals and dreams.  In today’s investment climate it can be a very intimidating place to be on your own. I offer a helping hand, a listening ear and sound advice.  If you are visiting my site for the first time and are concerned about your holdings, please click the button below to contact me or call me at 519 667-0555 we can get together and review your current position. Once the review is complete we can see if there are any adjustments that need to be made. It is a very enlightening exercise for most and a great way to make sure you are on solid ground going forward.  Contact Me Today

Retire Happy, Stay Healthy

Retire Happy

RETIREMENT IS A MILESTONE that many Canadians build towards for  a large portion of their adulthood, making it a highly anticipated transition when the time finally comes. When preparing for that long-awaited goal of life after work, a priority for many is to ensure they have sufficient financial resources to replace income and maintain a desirable lifestyle. But some may not realize that it’s also important to consider potential health care needs and costs. For those leaving a workplace wellness insurance plan, having an effective and affordable replacement can lessen the financial burden of out-of-pocket health costs.

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How to avoid outliving your retirement savings

How to avoid

OUTLIVING RETIREMENT SAVINGS is an uncomfortable scenario that nobody wants to contemplate. But after spending much of their working lives saving for retirement, many Canadians may end up needing a larger nest egg than anticipated. Thanks to modern medicine, life expectancy is getting longer. Today, a 55-year-old can expect to live to the age of 84 – that’s nine years longer than a 55-year-old alive in 1925.1 Despite this good news, one of the realities of living longer is paying for those extra years  of retirement. Click here to continue reading…

Year end strategy for a charitable tax receipt. Appointments available December 15 – 30th

Charitable Giving

To many investors, success means having the ability to make a difference and leave a lasting legacy. The Mackenzie Charitable Giving Program enables investors to make regular giving a part of their overall financial plan. A simple and convenient solution, the Program combines immediate tax benefits with the ability to support your favourite charities now and into the future.

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How it works

The Mackenzie Charitable Giving Program is offered through the Strategic Charitable Giving Foundation, a non-profit charitable corporation. As with any registered charity, donations are irrevocable; however, the donor retains the right to advise the Foundation on which charities receive annual grants and to name successors who may offer direction in their place. For this reason, the program is known as a “donor-advised program.”

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Connect to learn more.  Call Mary at 519-667-0555 or email mary@marykeetch.com.

 

All in the family

All in the Family

How to take advantage of income-splitting using intra-family loans.

AFTER JUST TWO YEARS, the “family tax cut” was eliminated in the 2016 federal budget. However, families still have other opportunities to split their income to save taxes. One strategy is to make an “intra-family loan” to your spouse (married or common-law) or to your minor child. Provided the loan is properly structured and formalized through a promissory note, the recipients can invest the loan proceeds, and any investment income they earn will be taxed at their lower marginal rates.  Click here to continue reading…

Something borrowed…something green?

Something Green

How to approach family about financial help for your wedding.

MONEY MAY NOT BE ABLE TO buy you love, but it sure can help you pay for a wedding. Back in the day, it was traditional for the bride’s family to foot most of the bill – not so anymore. As more couples plan and pay for their own weddings, often with financial help from their families, the lines around who pays for what can get a little blurred. Click here to continue reading…