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Deborah Bongard
Christopher Bowlby
Mark Parent
Rosemary Hart

1 First Canadian Place
40th Floor , P.O. Box 150
Toronto, ON
M5X 1H3

Most Recent Newsletter


Welcome to our October newsletter. In this newsletter, we selected a few external articles that we think may be of interest to you, your family and friends. Please feel free to share this newsletter with anyone you think it may help. Furthermore, if you are having any trouble accessing any of the articles please let us know and we would be happy to assist.
We welcome any feedback that you may have or if you have any questions or wish to discuss more, we are always here to help.
Debbie, Chris, Mark and Rosemary

Sketch of the Month
This month, we thought that we would lead off with this sketch. As our world continues to get more automated it is important to remember that a computer cannot replicate the complexities of real life. This is part of the reason why we believe that it is important to be a thinking partner, working with you to work through the complexities of real life and updating financial plans and goals, similar to a GPS in a car, to get you to your final financial destination.
For baby boomer couples, synchronize or stagger is the new retirement dilemma
Dual-income households have been on the rise over the past generation. A common assumption for couples approaching retirement and financial planners alike is to plan for a synchronized retirement date. But should couples plan to retire at the same time? This article from the Financial Post looks more into the challenges that come with the first generation where two careers are the norm and choosing a retirement date.
Dealing With Financial Woes During Life Transitions

Life transitions bring change, challenges and the possibility of transformation. Transitions come about in many ways: the birth of a child, loss of a job, retirement, prolonged illness or death of a loved one, to name a few.  Each transition presents an opportunity for growth, resilience and a broadening of personal capacity.  But it all comes at an emotional and usually financial cost. This article from Forbes looks at how to make sure you are financially prepared for transitions, expected or unexpected.
You Can't Out Invest a Bad Spending Habit
Just like you cannot out exercise a bad diet, it is almost impossible for your investments to out return a bad spending habit. It is important to be mindful of spending, especially when entering a new phase of life like retirement. Once the routine of work is gone and you have more free time, it is important to not over spend, which may cause problems in the future. This article from Fifty Wealth explores this topic more.

The High Financial Price of Our Short Attention Spans

Digital devices are potentially damaging your wallet—but not in the way you might think.
We’re always multitasking, or moving from one bit of information to the next, and rarely looking at one piece of information long enough to fully digest it, which can lead to poor financial choices.
When it comes to our money, effective decision-making typically requires information, concentration and reflection. Now we are drowning in data. What we lack, instead, is the ability to properly process it. The price we pay for that may be subtle, but it’s hardly insignificant.
This article from the WSJ looks into this more and five ways to counteract the financial pain inflicted by our increasingly short attention spans.
Your Responsibility as an Executor
A will is a legally binding expression of a person’s wishes for the distribution of his or her property. Your responsibility as an executor is to administer the legal and financial requirements of settling the estate to carry out those wishes. This article from Boomer and Echo looks more into what is actually required when you are an executor.
Bongard Wealth Advisory
BMO Nesbitt Burns

1 First Canadian Place
40th Floor
Toronto, Ontario
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