Understanding Behavioural Investing and Advising

July 5th, 2017

John S. Clark, President and Founder of Pacific Spirit Investment Management laughs when he says, “We tell our clients that we spend half our time managing their investments, and the other half managing them.” But he’s very serious. “Research shows that individual investors tend to be their own worst enemy,” John continues. “They make decisions […]

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What Drives the Equity Market?

If the thought of investing in the stock market sends shivers up your spine, you’re not alone. But John S. Clark, President of Pacific Spirit Investment Management understands both the market and his clients’ risk tolerance level. “Investing in the equity market is not for everyone,” he explains. “It’s volatile, moving up and down in value. […]

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A Road Map to Retirement

Most of us dream of an idyllic retirement, but few of us set out a plan as to how we’re going to get there. John S. Clark, President and Founder of Pacific Spirit Investment Management would like to change that. “At Pacific Spirit, we believe that every client should have a formal, written retirement plan,” […]

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Comprehensive Financial Planning

“For many of our clients we act as their Family Chief Financial Officer (CFO),” says John S. Clark, President and Founder of Pacific Spirit Investment Management. “And that’s how we define ourselves; as the go-to financial adviser for our client families.” John and the professional team at Pacific Spirit have been offering comprehensive financial planning […]

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2017 Federal Budget Commentary

March 29th, 2017

Finance Minister Bill Morneau’s second budget could be best described as a “treading water” budget. With the election of Donald Trump in the USA, and his plans to radically transform the US income tax system, the Liberal government has decided to stand put and wait for greater clarity on the Trump Administration’s tax policy changes. […]

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Our Philosophy

December 21st, 2016

As the year comes to a close, we thought that it would be of value for us to lay out for you, our valued clients, our thoughts on investing. Our experience has been that successful investing is goal-focused and planning-driven, while most of the failed investing we have seen was market-focused and performance-driven.  Another way […]

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2017 Income Tax Rates

The taxation of investments has a significant effect on retirement outcomes.  Tax “leakage” throughout your life can be managed to reduce taxes paid, maximize after-tax cash flow, and improve lifestyles. Pacific Spirit assists you and your family both during your income earning years and also your retirement years to reduce current taxation, shift income from […]

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2016 Federal Budget Commentary

March 23rd, 2016

Theme:  Economic Growth, Job Creation, Strong Middle Class When the new government said last year that it would return Canada to deficits, few expected the numbers to jump to nearly $30 billion this year and next and add $100 billion in debt over the next five years. But lower-than-expected revenues have forced the government’s hand, […]

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Please Remove Your Life Jacket

February 15th, 2016

As the stock market has corrected over the last few weeks, investors are inquiring in one fashion or another about whether they are doing the right thing continuing to hold equities. Some question whether to liquidate US equities or sell all Canadian equities and move to cash. Others get directly to the point and ask […]

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2015 Federal Budget Commentary

April 27th, 2015

Introduction The Federal Budget offers targeted tax reductions for small businesses, seniors, and families with children; increased spending for the military, public and national security, public transit, and for the Canada Revenue Agency (CRA) to address tax avoidance and evasion; and a $1.4 billion surplus in 2015–16 and small increases over the following years. Finance […]

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