Articles & Insights
Is It Time to Hire a Financial Planner? Here’s How to Know
At some point in your financial journey, the question naturally arises: Do I need a financial planner? Whether you’re just starting to build wealth or managing an increasingly complex portfolio, professional advice can make a measurable difference – not just in returns, but in confidence and clarity. But how do you know when it’s time…
10 Things Clients with $10 Million or More Need to Know to Grow and Protect Their Wealth
If you’ve accumulated $10 million or more in net worth, congratulations – you’ve achieved a level of financial success few ever reach. But with greater wealth comes greater complexity. At this level, managing your financial life requires more than basic investment strategies and simple estate planning. It requires a sophisticated, integrated approach to ensure your…
10 Signs You’ve Outgrown Your Bank’s Wealth Advisor
At some point, success demands more than standard solutions. While bank-affiliated wealth advisors may serve as a good starting point, many high-net-worth Canadians eventually find their needs have outgrown what a typical bank advisor can offer. If you’ve accumulated $1 million, $5 million, $10 million or more — or your financial life is becoming increasingly…
Summer 2025 Market Update
In the second quarter of 2025, U.S. equity markets exhibited a remarkable recovery following the sharp “tariff shock” decline in early April, when the S&P 500 and Nasdaq fell into correction territory (> -10%) amid tariff escalations under the Trump administration (more on that later). By mid‑May, the S&P 500 had rebounded past its level from…
What’s the real value of a financial advisor? Ask Vanguard
At Cox Financial Group, we believe that great financial advice is about more than just picking the right investments – it’s about delivering long-term value, clarity, and peace of mind. And we’re not the only ones who believe that. Vanguard, one of the world’s largest investment management firms, conducted a landmark study titled Advisor’s Alpha,…
Incorporated? Here’s How to Maximize the Value of Your Corporate Investments
If you’re an incorporated Canadian business owner, you’re already in a strong position to build long-term wealth. But are you making the most of your corporate investment opportunities? Incorporating offers more than just limited liability and potential income splitting – it opens the door to advanced wealth-building tools like holding companies (HoldCos), Individual Pension Plans…
Estate Planning in Canada: Avoiding Probate and Preserving Your Legacy
A Practical Guide to Wills, Trusts, and Minimizing Probate Fees Across Provinces Estate planning is a critical component of a complete financial strategy, yet it’s often overlooked or delayed until a more convenient time. For Canadian families and individuals looking to preserve wealth and pass it on efficiently, understanding the nuances of wills, trusts, and…
Ready, set, go: a refresher for administrators
Calling all administrators of health benefits plans: here’s a handy checklist to help your health benefits plan run smoothly—and prevent crises. First, the golden rule: reach out to plan members at least once a year. The main call to action: remind them to update their plans if needed, for example due to the birth of…
How the New FHSA Compares to the TFSA and RRSP: What Canadian Investors Need to Know
In the ever-evolving landscape of personal finance, Canadian investors now have a new tool at their disposal: the First Home Savings Account (FHSA). Introduced in 2023, the FHSA is designed to help first-time homebuyers save for their first home with significant tax advantages. But how does it stack up against the tried-and-true Tax-Free Savings Account…
How to Ease Employees’ Financial Worries
Financial worries distract employees during work hours—and the road to retirement savings may include several twists and turns. These are among the key takeaways from a survey of more than 1,500 employed Canadians and 500 retirees in 2024. The survey was conducted by Edelman DXI and commissioned by Manulife and John Hancock Retirement. “The best…