Jake Ripplinger - Financial Advisor

08/21/2018

08/10/2018

Some thoughts on Bitcoin and Ma*****na stocks.

When it comes to building profound wealth over the long haul, you don't need to risk your shirt in high-risk names like Canopy Growth Corp. (TSX:WEED). Here's a better and safer way to create riches.

06/21/2018

Had a great time along with my colleagues from Advocis South Saskatchewan at the Advocis, The Financial Advisors Association of Canada national conference earlier this week in Toronto!

We were just jointly awarded the Inukshuk award, along with our colleagues in the Regina chapter, at the national conference for our “Stop the PST on Insurance” initiative. The Inukshuk Award is given to the chapter with an idea or innovation that the chapter community feels will be most influential to the chapter network as a whole.

08/03/2017

Have you ever been annoyed by the amount of tax taken off your paycheque? The SaskWorks payroll plan allows you to pay less tax. The savings are then redirected to your SaskWorks investment account.

If you work at places such as SaskTel, SaskPower, SaskEnergy, the City of Regina, the Co-Op Refinery, and many more, you are automatically eligible for the SaskWorks payroll plan. Please contact me for more information.

06/06/2017

“Pay yourself first”. By making regular contributions to your savings directly from your bank account before paying living expenses, you will be able to budget more effectively, while reaching your savings goals. Your personal savings should be the first “bill” you pay. Even a little can go a long way. I can help you establish an automatic savings plan that helps you meet your goals.

01/26/2017

Did you know that you can receive up to $1750 in provincial and federal tax credits to use against your 2016 tax bill by simply transferring up to $5000 from an existing RRSP into the SaskWorks Venture Fund?

For more information, call me at (306) 791-0188.

11/18/2016

The upset in the race for U.S. President that propelled Donald Trump to the Oval Office has raised uncertainty in the market. Major world events can cause intense negative market reactions. However, the impact of these events, from a financial markets perspective, tends to dissipate over time.

Below is a chart from Myles Zyblock, Chief Investment Strategist for Dynamic Funds, which examines the history of market reactions to a few major geopolitical events.

Too often we as investors tend to get distracted by market noise, rather than focusing on the bigger picture. This reinforces that we should focus on what we can control which includes setting goals, knowing our investment time horizon, assessing our tolerance for risk, and then matching investments to fit those objectives.

09/27/2016

Did you know that we offer Registered Education Savings Plans (RESPs)? An RESP is a government-assisted savings vehicle for your child’s future education costs. A post secondary education is one of the best gifts you can give a child. Some of the benefits of using an RESP to fund your child’s education include:

1) RESP’s are eligible for federal and provincial grants that match a portion of your contributions. The grant earnings are invested along with your contributions, which further increases the advantages of tax-deferred and compound investment growth within the plan.

2) The growth on the RESP account is tax-sheltered. The income and investment growth earned within an RESP are not taxed as long as the funds stay in the plan. Taxes on withdrawals are applied to the student who usually pays little or no tax.

If you have any questions, or would like to make an appointment to set up an RESP, please do not hesitate to contact me.

http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/resp-reee/menu-eng.html

07/04/2016

SaskWorks Venture Fund’s Payroll Investment Plan is a simple, tax-efficient way to save for retirement. The Payroll Investment Plan allows employees to make direct contributions to their SaskWorks investment each pay period. The 35% combined tax credit and the RRSP tax deferral are received at source – that is, deducted from the income tax paid each pay period – so investors will only see a minimal reduction in their net pay.

If you are interested in enrolling in the plan, or if you would like to find out if you work for a participating employer, please contact me at (306) 791-0166, or [email protected].

*The example below is based on a $5,000 RRSP investment in a marginal tax bracket of 33.5% ($45,282.01 – $90,563.00). Amount will vary according to your tax bracket.

06/06/2016

Monthly contributions to an RRSP or TFSA are an easy way to save. Not only are they easy, but regular periodic contributions allow you to minimize downside risk with “dollar cost averaging”. Please see the link below which describes the benefits of dollar cost averaging.

http://www.nasdaq.com/article/why-dollar-cost-averaging-is-a-smart-investment-strategy-cm354240

No one can predict where the market is going at any given time, so why even try? Putting your money in an investment all at once - thinking it will.