• Written by James Twining
• Categorised Newsletters

Let’s be blunt: Over the past thirty years we have studied the conventional wisdom, we have put it to the test,…

• Written by James Twining
• Categorised Newsletters

Recently, a client asked me this question: “How do you decide how much of my account to put into foreign stocks?”…

• Written by James Twining
• Categorised Newsletters

The diagram below outlines the scope of our financial planning services. The core of it is the Wealth Management Plan –…

• Written by James Twining
• Categorised Newsletters

To convert, or not to convert: that is the question: Whether ‘tis nobler in the mind to suffer The slings and…

• Written by James Twining
• Categorised Newsletters

Not to blow our own horn too loudly, but we have managed to thrive while many other investment services firms have…

• Written by James Twining
• Categorised Newsletters

Zimbabwe is the first country in the 21st century to hyper-inflate their currency. The country recently had an annual inflation rate…

• Written by James Twining
• Categorised Newsletters

In the 18th century, it was assumed that all swans were white. No one in the civilized world had ever seen…

• Written by James Twining
• Categorised Newsletters

In recent weeks you may have heard the “R” word bandied about. When discussing the economy, it is a dirty word!…

• Written by James Twining
• Categorised Newsletters

The cheerleaders for recession were about a year early, but it appears that they finally have their way, partly due to…

• Written by James Twining
• Categorised Newsletters

Like most everything else in our practice, our process has evolved over the years. I want to communicate to you a…

• Written by James Twining
• Categorised Insurance

There are different opinions as to the proper use of insurance. Here is my view: Insurance should be used to buy…