Welcome. I believe all meaningful success originates from the existence of a definitive philosophy. My personal philosophy is guided by basic, fundamental principles:

To act with integrity, accountability and complete responsibility, always leaving things better than when found. To think independently, with respect for others. To be disciplined, consistent and thankful. To experience, learn and share. To realize my potential and leave a meaningful legacy.

10 Keys

Perfect Timing Financial offers comprehensive investment and insurance consulting.
Perfect Timing Institute promotes advancement in learning through educational initiatives.

GLOBAL MARKETS Year in Review - 2011
50 YEARS OF BAD NEWS.... and an Average Annual Compound Return of 10%!
PORTRAIT OF THE SUCCESSFUL INVESTOR What works for them can work for you.
PERFECT TIMES - NEWSLETTER - FALL 2010 Isn't it time you got a real and unbiased second opinion?
DON'T MISS OUT Investing for Success.
LISTENING FOR FEEDBACK What do your clients want?
PERFECT TIMES - NEWSLETTER - SUMMER 2010 Avoid the tax rush and optimize returns by investing regularly in your RSP
TIME IS MONEY Investing for Success
ARE YOU LOSING INTEREST IN CASH? Fidelity Canadian Short Term Bond Fund
PERFECT TIMES - NEWSLETTER - WINTER 2010 RRSP's vs Tax Free Savings Accounts: the case for using both.
PERFECT TIMES - NEWSLETTER - FALL 2009 Your child's education:RESP or informal in-trust? Both!
THERE ARE ALWAYS REASONS NOT TO INVEST More Reasons to stay invested
PERFECT TIMES - NEWSLETTER - SUMMER 2009 What the big banks won't tell you about mortgage insurance.
FOCUS ON THE BIG PICTURE DECEMBER 2008 Over four decades of returns examined
FIVE STRATEGIES FOR DEALING WITH DIFFICULT MARKETS When markets are volatile, it’s natural to be worried about the impact on your portfolio.
CANADIAN MARKET RECOVERY AFTER FINANCIAL CRISES During financial crises, stock prices suffer. However, they typically recover over time.
TAX FREE SAVINGS ACCOUNTS Plan Overview
QUESTIONS AND ANSWERS Tax Free Savings Accounts
THINK LONG TERM, INVEST LONG TERM Investment Insights
A MESSAGE ABOUT THE MARKET September 2008 commentary
PUTTING MARKET VOLATILITY INTO PERSPECTIVE Volatility is a normal part of investing
SEIZING OPPORTUNITIES IN ADVERSITY Remaining focused in today's market environment
FOCUS ON THE BIG PICTURE DECEMBER 2007 Over four decades of returns examined
"FINDING THE RIGHT BALANCE" - Determining Your Asset Mix Investment Executive Article
"BIRTH & TAXES" - Attention New Parents Investment Executive Article
"CHASING THE RABBIT" - Remaining Invested Investment Executive Article
"NEW CENSUS REFLECTS CHANGING NUCLEAR FAMILY" Investment Executive Article

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