Roberto Alfaro Hoyos - Advisor

01/04/2018

1. The best time for new beginnings is now! #2018
2. Do more of what makes you happy.
3. Seek adventures that open your mind and your heart.

12/27/2017

Do you have an RRSP or a TFSA? If so, check out these 3 potential tax implications before you kick back and relax for the holidays.

Your Personal Investor Dale Jackson looks at potential year-end tax landmines.

12/13/2017

High ratio loans are more prevalent among younger people. This could make them more vulnerable to economic instability down the road. As an advisor, I will work with you to help you have a plan in place to help you meet your financial goals.

Almost half of new, young homeowners put down less than 20 per cent down on their homes, something that could make them vulnerable to economic shocks down the line, according to Bank of Canada's Financial System Review laying out the biggest risks facing the economy.

12/11/2017

Shopping online for the holiday season can save you time and effort, but there are some risks. Following these 5 tips could help you avoid some potential online shopping headaches.

Buying online can be a holiday lifesaver, but it’s not without risk. Here’s how to make sure you’re getting the straight goods.

12/02/2017

Like every other high-income country, Canada's population is aging, but unlike most of our peers, Canada is doing very little to prepare.” Most countries like Canada have increased the retirement age. Does your financial plan need readjusting if this happens? Let’s talk today so you can retire with confidence.

VANCOUVER, BC--(Marketwired - November 23, 2017) - Canada is out of step with most major industrialized countries -- and all other G7 countries -- which are raising the age of eligibility for public retirement programs, finds a new study by the Fraser Institute, an independent, non-partisan Canadian...

12/01/2017

Did you know that the average monthly rent for a 2-bedroom apartment in Canada increased this year? This article shows how your city compares to the rest of Canada. Contact me to learn how best to budget for rising housing costs.

The average monthly rent for a two-bedroom apartment in Canada last month was $989, a rise of 2.7 per cent in the past 12 months.

10/31/2017

When the symptoms are pointing in different directions, having access to an expansive network of experts who can provide straightforward and simple explanations will give you peace of mind. Best Doctors will help you focus your attention where it belongs. Contact me today to learn more.

10/29/2017

Most people are familiar with taking out an insurance policy for themselves but is it possible to purchase insurance for someone else? The answer is yes! With the holidays coming up, you can give the gift of protection for your kids or grandchildren and they can keep the policy into adulthood. Contact me to learn more.

People are most familiar with taking out a life insurance policy on themselves to financially provide for their family should anything happen. The benefit from your plan can go towards paying for final costs, covering education fees for your kids, or helping your surviving spouse stay financially st...

10/27/2017

The federal government has announced plans to honour their election promise to trim the small-business tax rate to 9% in 2019 as well as change the lifetime capital gain rule. How will these changes affect your small business?

Offering an olive branch to small businesses miffed by proposed tax changes, the federal government Monday announced plans to honour their election promise to trim the small-business tax rate to nine per cent by 2019.

10/25/2017

Finding the motivation to stay focused on your biggest long-term goals can often be a challenge.Visualizing yourself achieving your retirement goal for example, can trigger powerful emotions and put you in a state where you see opportunity.

Athletes use visualization to picture winning that race or scoring that goal. But you can visualize other goals, too – like financial security.

10/23/2017

Canada’s top banking regulator has published the final version of its new mortgage rules after floating a similar version of these rules earlier this summer. Did you know that uninsured borrowers will be required to undergo a stress test?

Canada's top banking regulator has published the final version of its new mortgage rules, which include a requirement to "stress test" borrowers with uninsured loans to ensure they could withstand higher interest rates.

10/07/2017

Finding the time or energy to complete a financial review during the holiday season may be difficult. This is why fall is a great time to sit down and review your priorities over the past year so you can hit the ground running in 2018. Here are 5 key priorities you may want to consider during your review.

As CTV’s Chief Financial Commentator explains, fall is a great time to sit down and discuss your goals with a financial advisor so you can hit the ground running in 2018. She discusses five financial must-dos before the year comes to a close.