KLT Wealth Management

Personal Finance

Empowering Future Generations Through Financial Literacy

November 15, 2024

In Canada, November is recognized as Financial Literacy Month, making it an ideal time to dive deeper into what you know and where you can improve.

Saving for a House: RRSPs vs FHSAs

October 2, 2024

As housing prices rise, so do the necessary downpayments. In response to this need the Canadian government introduced the First Home Savings account - a new tool for Canadians to save. However, this begs the question, what government program is the best for growing your home nest egg the Home Buyers Plan (a program available through your RRSP) or the new First Home Savings Account?

Couples and Money – A Beautiful Partnership

February 20, 2024

According to The Beatles, money can’t buy you love but as many people will attest, money can certainly destroy. Paul McCartney was always the Fab Four’s hopeless romantic.

How to Beat Blue Monday (or the January Money Hangover)

January 12, 2024

Accumulation for Show, Decumulation for Dough

December 13, 2023

Even those who despise golf will likely have heard the saying, “driver for show, putter for dough.” The premise: that smacking the ball 300 yards looks great but the ability to get it in the hole is what determines success.

What to Do: Fraud & Scammers

October 30, 2023

Scams get more sophisticated every year. According to the Canadian Anti-Fraud Centre, there were 92,078 reported cases in 2022 – equaling $293.5 million in losses for both people and businesses.

Can the Federal Government Affect Your Finances?

October 6, 2023

People have a lot to say when it comes to politics. In part because government policies affect people's lives but how can the federal government affect your finances? The truth is, it’s complex but here are some of the more talked-about ways the federal government can affect your cashflow or investments.

Discover your “Why” – The Intangible Benefits of Investing

October 8, 2022

So much of the investment industry is focused on the “how” - how to get enhanced returns, how to build a portfolio, how to save tax, or how to capture the “next big thing”. Very few companies emphasize the “Why” but given the increased commoditization of investment products and the pressure on many advisors to sell proprietary funds, it’s never been so important for individual investors to find their “Why”.

Keep Calm and Plan for Volatility

October 27, 2022

Keeping your nerve when you see minus signs on your portfolio statement is not easy. Throw in a global pandemic, the rising cost of living, interest rate hikes, and a news cycle of war and political division, and it’s little wonder many investors want to exit the market and hunker down until the good times return.

Dangers of Information Overload

September 7, 2022

Decades into the information age, have we hit peak screens? Everywhere you look, people are offering advice. Investing “tips”, stock “insights”, and promises of “financial security” abound across social media and TV.

Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including KLT Wealth Management. As a client of Q Wealth, you may receive services from both Q Wealth and KLT Wealth Management. Note that individuals from KLT Wealth Management will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. KLT Wealth Management may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Saskatchewan, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, and an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit www.qwealth.com for more information.