Planned Philanthropic Giving Guide
A comprehensive guide for anyone contemplating meaningful charitable giving.
Good Advice
Helping your money make money.
Retirement
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.
Continuing care in Alberta
Learn about the continuing care options available in Alberta and how to plan for your long-term needs.
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.
Understanding the basics of the OAS program
Answers to commonly asked questions about Old Age Security (OAS), the government of Canada’s largest pension program.
Education
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 RESP options in Alberta
Learn about RESPs: how much you can contribute, what government grants provide, and what happens if your child doesn'tt 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
The importance of will and estate planning
Creating a will and estate plan protects you, your estate and your loved ones, while you are living as well as upon your death.
When should you have an estate plan in place?
Being prepared with a proper estate plan that includes distribution of assets and your care wishes is important for all ages and stages of life.
Choosing the right guardian for your child
When naming a guardian for your child in your will, you will need to consider their values, financial situation, location and age.
How to develop an estate plan
Steps to take to develop your estate plan, including assessing your current financial situation, setting goals and engaging with the right experts.
Four guidelines for discussing wealth transfer with your children
It's not always easy to discuss, but here are four guidelines for having a conversation about wealth transfer with your children.
Charitable giving and estate planning
Learn how to structure your giving to best benefit you and the cause you want to support to create a lasting legacy.
Tax and Protection
Naming your partner as the beneficiary of your RRSP or RRIF
Understand the methods available to pass the value of your RRSP or RRIF account to your partner and what to do in the event of a relationship breakdown.
Federal budget: pandemic supports extended, tax and benefit highlights
2021 federal budget announcements including pandemic supports, tax highlights, increases to OAS for those age 75 or older and a Canada-wide child care system.
Your 2020 personal tax return: COVID-19 benefits and tax planning
If you received benefits related to COVID-19, you should be aware of the tax implications and requirements for reporting when completing your tax filings.
Understanding Alberta’s 2021 eligible dividend tax rate change
Alberta residents should expect a tax increase for eligible dividends in 2021. Here are the details.
Understanding your personal taxes in Alberta
An overview of how to calculate your personal tax rate, including basic tax concepts and how the amount of tax you pay is determined.
Prescribed rate loans: an income splitting opportunity
How you can use a prescribed rate loan for transferring income from a higher income-earning family member to a lower income-earning family member, such as a spouse.
Investing and Saving
The ATB Wealth Investing Fundamentals Guide
Grow your knowledge of investing and increase your confidence around managing your money.
Dispelling the myths of robo-advisors
Robo-advisors like to equate fee savings to better investment performance, but it’s only one of the factors that lead to investor success.
Let’s talk about biases: A behavioural look-back on the GameStop chronicles
How human nature and behavioral biases contributed to the rise and fall of GameStop and how to prevent getting caught up in the next bubble.
3 ways diversification can help protect your portfolio
Having your capital invested across multiple asset classes, countries and sectors will better protect your portfolio from sharp volatility.
How do foreign exchange rates impact my investments?
What is foreign exchange rate risk and how does it impact portfolio returns? Learn how hedging and portfolio diversification can mitigate currency risk.
What is investing versus speculating?
What is speculation in the investment world? What is the difference between speculating and investing?
RRSP and TFSA information for 2021
Important information about contributing to your RRSP or TFSA in 2021.
Markets
Life after the vaccine: stimulus, savings, and spending
Potential reopening of the economy this year could open the floodgates for consumer spending. What will that mean for things like inflation & interest rates?
Life after the vaccine: economic resiliency
While it is difficult to forecast exactly what the future may look like, we can get some direction by looking at the economy following the Flu of 1918.
Understanding cryptocurrencies
What is blockchain, cryptocurrencies, how to buy them and what are the risks with investing in Bitcoin versus gold.
The pandemic, six months onward
Successful investing is driven by planning, discipline and patience. Four key tactics have helped us to weather the storm throughout 2020.
The stock market and the economy
A review of what's happening in the energy sector and why the stock markets seem to be shrugging off those unsettling headlines and continuing to drive gains.
Lifestyle
Life after the vaccine: managing your finances
As we move toward a post-pandemic world, it’s more important than ever to make smart financial decisions and be intentional with your spending and saving.
Gifting to adult children
When gifting to adult children, there are important questions to ask yourself and financial considerations to review.
Long-term considerations when buying a vacation property
Here are a few things you need to consider when making a decision about buying a vacation property.
Financial considerations when going through a divorce
When getting a divorce, here are steps you can take to stay on track with managing your money and assets and ensure you are reaching with your financial goals.
Tips for wealth planning for your lifestyle and goals
Make your money work for you now and in the future by finding a focus, planning for all stages in life and continuing to reassess your wealth plan.
Building a positive relationship with money
It doesn't matter how much money you make, with a little knowledge and practical tools, anyone can have a healthy relationship with money.
Insurance
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.
ATB Wealth experts are ready to listen.
Whether you're a beginner or an experienced investor, we can help.
Email: atbwealth@atb.com