Colin S. Ritchie Lawyer and Financial Planner

Colin S. Ritchie Lawyer and Financial Planner We help you achieve your financial goals by reviewing your current status, setting goals,providing r

CSR Financial & Legal Services help you achieve your financial goals by reviewing your existing picture, providing a series of recommendations and assist you in take the right steps, whether you want issue-specific advice on a one-off basis or comprehensive ongoing support. When possible, I try to sell flat fee services, although more complex matters require hourly billing. Although I don’t sell i

nsurance or investments, I have a network of experts who will pay me referral fees that I will use to discount or eliminate what I charge you. That means you can still hire me as a traditional fee-for-service planner who you pay directly or, if you work with anyone in my network, you can potentially get two experts for the price of one.

Check out my latest article on education fundinghttps://colinsritchie.com/2021/12/05/what-to-do-if-your-kids-arent-too-c...
12/05/2021
What To Do If Your Kids Aren’t Too Cool For School: Educational Funding Strategies for Tax Stingy Families

Check out my latest article on education funding

https://colinsritchie.com/2021/12/05/what-to-do-if-your-kids-arent-too-cool-for-school-educational-funding-strategies-for-tax-stingy-families/

It takes a lot to pay for an education these days, without even considering all of the bonus expenses in addition to paying for tuition and textbooks. And it’s been getting harder. Tuition costs ha…

Purchasing and funding a home is one of the most significant financial decisions you will likely ever make. Knowing the ...
02/16/2021
Putting The”More” into Mortgage – How to Best Choose, Arrange and Structure Real Estate Loans

Purchasing and funding a home is one of the most significant financial decisions you will likely ever make. Knowing the ins and outs negotiating and selecting mortgage terms can make a profound difference to your financial future. It’s not as sexy as talking about that junior mining stock you purchased that quadrupled in value or how you saved thousands in taxes through clever tax planning (okay, perhaps that’s not so sexy), but locking in the best mortgage for you and your situation, then managing it properly going forward can have as big an impact or more on your future success, if not more....

http://colinsritchie.com/2021/02/16/putting-themore-into-your-mortgage-how-to-best-choose-arrange-and-structure-your-mortgage/

Purchasing and funding a home is one of the most significant financial decisions you will likely ever make. Knowing the ins and outs negotiating and selecting mortgage terms can make a profound dif…

Introduction Today’s introduction will be short and sweet, as I think the title above and definitions below largely spea...
02/06/2021
Definitions for a Surprisingly Long List of Key Mortgage Terms and Insight into How They Might Impact Your Mortgage Choices

Introduction Today’s introduction will be short and sweet, as I think the title above and definitions below largely speak for themselves. My goal today is to provide with a glossary or cheat sheet you can use when learning how to speak Mortgage in order to hopefully guiding you towards making the most informed decision possible about the best mortgage for you and yours....

http://colinsritchie.com/2021/02/06/definitions-for-a-surprisingly-long-list-of-key-mortgage-terms-and-insight-into-how-they-might-impact-your-mortgage-choices/

Introduction Today’s introduction will be short and sweet, as I think the title above and definitions below largely speak for themselves. My goal today is to provide with a glossary or cheat sheet …

Imagine ordering a large drink late in a steamy August afternoon after just completing a day’s toil in the sun. After se...
01/30/2021
Warming Hearts Through Estate Freezes

Imagine ordering a large drink late in a steamy August afternoon after just completing a day’s toil in the sun. After several thirsty minutes waiting, watch in rapturous delight as the waitress finally brings over a tall, frosted glass, beaded with moisture . . . only to discover that it’s mostly ice. For lawyers and financial planners like me, that’s what I see when calculating actual size of the estate many of my clients will leave to their heirs after paying taxes....

http://colinsritchie.com/2021/01/30/warming-hearts-through-estate-freezes/

Imagine ordering a large drink late in a steamy August afternoon after just completing a day’s toil in the sun. After several thirsty minutes waiting, watch in rapturous delight as the waitress fin…

Covid 19 is the sort of financial tsunami that bowls over and swamps all but the most conservative of financial projecti...
01/22/2021
Should I Stay or Should I Go Now – Whether or Not to Refinance Your Mortgage and How To Ease The Pain

Covid 19 is the sort of financial tsunami that bowls over and swamps all but the most conservative of financial projections. As we slowly begin to pick ourselves up, dry out our wet clothes and figure what comes next, I am suggesting to many of my homeowner clients with fixed rate mortgages to look at their existing mortgages to see if there are any opportunities to turn at least some of the lemon that is Covid into perhaps a shot glass full of lemonade....

http://colinsritchie.com/2021/01/22/should-i-stay-or-should-i-go-now-whether-or-not-to-refinance-your-mortgage-and-how-to-ease-the-pain/

Covid 19 is the sort of financial tsunami that bowls over and swamps all but the most conservative of financial projections. As we slowly begin to pick ourselves up, dry out our wet clothes and fig…

Once more the World Money Show and Canadian Money Saver Magazine have generously invited meme to be part of their 3 day ...
10/28/2020
Free Online Presentation November 6, 12:15 pm

Once more the World Money Show and Canadian Money Saver Magazine have generously invited meme to be part of their 3 day Extravaganza of investing and financial planning running from November 4 to 6. To register and find out more, please click on the following link:Registration Link:

http://colinsritchie.com/2020/10/28/free-online-presentation-november-6-1215-pm/

Once more the World Money Show and Canadian Money Saver Magazine have generously invited meme to be part of their 3 day Extravaganza of investing and financial planning running from November 4 to 6…

Photo by Andrea Piacquadio on Pexels.com During these times of turmoil and Covidic confusion, many of my clients have ha...
07/20/2020
Even More Wills, Chills and Thrills – A Few More Things to Consider When Drafting a Will

Photo by Andrea Piacquadio on Pexels.com During these times of turmoil and Covidic confusion, many of my clients have had Wills on the brain. Although many Wills do a good job covering off the basics, I still often finish reviewing my new clients’ old Wills with a vaguely uneasy feeling that there are a few too many “what ifs” left floating in the wind for my liking. [ 3,672 more words ]
http://colinsritchie.com/2020/07/20/even-more-wills-chills-and-thrills-a-few-more-things-to-consider-when-drafting-a-will/

Photo by Andrea Piacquadio on Pexels.com During these times of turmoil and Covidic confusion, many of my clients have had Wills on the brain. Although many Wills do a good job covering off the basi…

You, your finances and Covid 19. Some things to keep in mind when trying to sort out what to do next.  Check out the art...
04/01/2020

You, your finances and Covid 19. Some things to keep in mind when trying to sort out what to do next. Check out the article at www.colinsritchie.com

02/07/2018

Free Introduction to Investing Event – Thursday, February 15, 7pm to 9 pm – Curling Club, Hillcrest Community Centre

Looking to learn more about investing in and out of the stock market? Not sure about the best way put aside money for retirement and future goals? Worried that your current investments are underperforming or are inappropriate for your appetite for risk or goals? Attend this free event in order to learn more so you can start answering your own questions.

Whether you don’t know the difference between an “ACB” or an “ATM” or if you’re already a savvy investor, this event it geared towards providing you with general information from a variety of different investment or financial professionals. My goal is for to provide new, want-to-be investors or seasoned investors with the background information on investment basics from people who work in the trenches. This includes learning some basic investment terms and principles, as well as opposing them to a wider range of ways to invest their money rather than just parking them in GICs or higher fee bank mutual funds. As you’ll be hearing from different people with different philosophies and strategies, I hope to provide a more balanced view so you can better compare different ways of investing against each other.

For more seasoned investors, I hope to expose them to different ways of investing or other information they can use to get the most out of their portfolios. There will also be the opportunity to ask whatever burning investment questions come to mind from any of the presenters.

No question is too basic nor is anyone too inexperienced to begin learning – the retirement you save just might be your own!

Each presenter will have about 12 to 15 minutes on their topics, with some time at the end of all presentations for questions.

Rough Agenda

Presenter Topic

Colin Ritchie, lawyer and financial planner What are the different types of investment earnings and how are they taxed? What is compounding and why is it so important?

Angela Huck, Vice President Understanding an investment statement and terms like “book” and “market value”, “rates of return” and “benchmarks”
Connor, Clark & Lunn Private Capital Ltd.

Chris Stephenson / Lori Norman – Investor Specialist What are ETFS, Mutual Funds, Pooled Funds, Wrap Accounts & their pros and cons
Steadyhand Investment Funds Inc.

Klint Rodgers, Branch Manager & Private Market Specialist What does “diversification” mean and different ways of getting it.
Pinnacle Wealth Brokers Inc.

Alan Young, Portfolio Manager What are “time horizons” and “rebalancing” and why are they so important?
Richardson GMP Limited

Colin Ritchie How RRSPs, RRIFs, RESPs and TFSAs work.

Thomas Tsiaras, Investment Advisor What are “covered calls”, “REITs”, “MICs” and other ways of generating income from your investments?
Industrial Alliance Securities Inc.

As space is limited, please contact me in advance to reserve a space!

Many thanks,
Colin

04/06/2016
Canadian MoneySaver Events - Canadian MoneySaver

June 4! Sign up for my retirement planning webinar through Canadian Money Saver. Just $3.

Upcoming Canadian MoneySaver activities are described here. The only activities listed are those attended by Peter Hodson and other MoneySaver staff. MoneySaver does not make transcripts, reports or videos available for any of its conferences. Please call (519-772-7632) or e-mail Canadian MoneySaver…

Good advice for some bad habits...
01/06/2016
9 Bad Financial Habits You Need to Break Right Now

Good advice for some bad habits...

Habit #1: Stop doing the same things over and over again. Human beings are habit-creating machines. Research shows we crave any mental or physical shortcut that frees time and energy for our minds to focus on higher-level thoughts, such as wondering what to have for lunch or speculating about th...

Tax season is upon us, that painful time of the year!
01/05/2016
6 easy ways to beat the bookkeeping blues

Tax season is upon us, that painful time of the year!

To make your business venture the success it deserves to be, you’ll need to get on top of your finances. Six tips for beating the bookkeeping blues.

This is such a smart idea. You can save over $1300 in one year by following this easy plan!
12/28/2015

This is such a smart idea. You can save over $1300 in one year by following this easy plan!

Here is a warning about the hidden costs that sometimes come with deep discount mortgages: http://www.morrisonmortgages....
12/21/2015
Blog: Avoid Mortgages That Come With Handcuffs...

Here is a warning about the hidden costs that sometimes come with deep discount mortgages: http://www.morrisonmortgages.com/Blog.php/avoi

April 4th, 2014AvoidMortgages That Come With Handcuffs...    75 second intro video...The spring real estate market is now infull force and with the real estate market gaining momentum the next series ofmortgage promotions and advertising by Canadian mortgage lenders has started tomake headlines.  Th…

For those of you looking to boost your credit scores, here are a few tips from Peter Temple: https://www.linkedin.com/pu...
12/15/2015
How to Get a Credit Score Above 800!

For those of you looking to boost your credit scores, here are a few tips from Peter Temple: https://www.linkedin.com/pulse/how-get-credit-score-above-800-peter-temple-4-pillars-?trk=mp-reader-card

Peter Temple (4 Pillars)Debt Consolidation and Debt restructuring specialist. Debt help for individuals and small businesses. Debt settlement.FollowUnfollowFollowingLoadingHow to Get a Credit Score Above 800!Apr 16, 2015275 views5 Likes0 CommentsShare on LinkedInShare on FacebookShare on Twitter …

One of the tax strategies I’m going to be talking about during my national webinar through Canadian Money Saver Magazine...
11/25/2015
How your loss can be your spouse's gain

One of the tax strategies I’m going to be talking about during my national webinar through Canadian Money Saver Magazine next Saturday morning; transfer unrealized capital losses from a lower income spouse to the higher income spouse where they will produce bigger tax savings:

A fairly simple process will allow one partner to claim capital losses incurred by the other

And a few more (money-saving tips, that is)!
11/16/2015

And a few more (money-saving tips, that is)!

Address

Suite 1009 1618 Quebec Street 5
Vancouver, BC
V6A0C5

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Hi Colin how are things with you give me a call sometime
Tony Borean