Real Estate; The Cornerstone of Sustainable Long-Term Wealth Accumulation...

As A 34-Year Veteran Financial Services Professional, I Am Laser-Focused On The Wealth Management Needs Of Canadians Across Ontario. In 2010; I Added Manulife Bank To My Portfolio; Manulife Bank Is A Full-Service Virtual Bank; Where We Can Help Clients Open Personal And Corporate Bank Accounts, Apply For Investments and View RRSP Loans, Lines Of Credit, Credit Cards, And Mortgages; Including Niche Re-Advanceable Manulife One Mortgage, Which Is Manulife's Premier Mortgage Elimination Instrument…

Manulife Bank Brought A Unique Perspective To My Practice And A Revived Attitude Toward Sustainable Long-Term Wealth Creation Strategies Via Actively Managed Real Estate, Investment, And Banking Portfolios…

With The Addition Of Banking Services,?I’ve Adopted The Attitude To View Mortgages; As An ‘Asset Facilitation’?Instrument; Not Necessarily As An ‘Expense’ Or Monthly ‘Debt’; But View Mortgages As An Instrument, Where You Access Other People’s Money, To Fulfill Your Goals Of Home Ownership, Long-Term Wealth Accumulation Portfolios, Capital & Asset Protection, And Banking Needs…

They Say Hindsight Is Always 20/20; Which Makes Sense; Why? I Could Have Personally Owned 5 Or 6 Properties With The Same Capital Outlay* And Within The Same Timeframe I Owned Three (3) Homes; Had I Possessed The Knowledge And Wisdom I Have Today, My Financial Picture Would Have Been Clearer And Stronger. The Good News, We Now Have Access To An Amazing Mortgage Elimination Instrument, Called The Mortgage Eliminator?. (* Based On Qualification)

Going Forward, I Want Every Canadian To Benefit From My Experience And Work Towards Owning A Basket Of Real Estate Assets; Which Will Eventually Boost Their Retirement Income And More Importantly; Real Estate Will Preserve Your Family’s Long-Term Wealth Accumulation Goals And Objectives.

As A Bonus, I Will Provide My Clients Access To Our Flagship Instrument, The Mortgage Eliminator? With The Personalized Formula For Being Mortgage-Free In 12.5 To 15 Years* (* Based On Qualification). Thus Saving 10 Years Of Mortgage Payments…

In The Similar Attitude Of Real Estate Being One Of The Cornerstones Of Wealth Accumulation; Life Insurance Plays A Crucial Role And Is The Cornerstone Of Comprehensive Financial Planning, As It’s The Only Tool Which Guarantees The Completion And Realization Of Your Financial Goals In The Event Of Your Premature Death. We’ll Discuss The Critical Importance Of Life Insurance Later; Or, As A Separate Topic For My Next Issue.

I’m Steadfast And Confident, That Canadians With An ‘Active’ Portfolio Of Rental Homes (Single; Duplexes; Condominiums; Commercial) Will Not Only Realize An Elevated Income Stream While Hedging Themselves Against Inflation And Market Unpredictability, As It Possess The Ability To Automatically And Or Cyclically Correct Itself.

Real Estate As With Any Other Asset Class; Has Its Natural Cyclical Movement; However, This Brick & Mortar ‘Hard’ Asset Has ‘Fool-Proof’ Attributes, Not Enjoyed By A Stock, Bond Or Equity Fund.

Let’s Face It Every Investment Class Has Its Ebbs And Flows; However, Certain Asset Classes Can Rebound Faster Than Their Peer Group When The Market Corrects Itself, Such, As Blue-Chip And Dividend-Paying Stocks; With Real Estate Leading The Pack. We’ve All Heard The Phrases; ‘It’s A Buyer’ Market’ Or ‘It’s A Seller’ Market’; When Do We Buy, When Do We Sell; Well, Here Goes Lesson #1. There Is Never A Convenient Time To Own Real Estate! Real Estate Has Never Dramatically Increased In A Single Year; However, It Facilitates The Natural Growth Of A Brick-And-Mortar Asset Class; With Sustainable Growth, Year After Year…

Lesson #1:?Never Liquidate An Appreciating Asset; Especially If Your Objective Is To Simply Access Cash; Why? We Have Multiple Liquidity Extraction Strategies Without Interrupting The Asset’s Natural Growth Pattern.

Old School:?Many Financially Focused Professionals Touted For Decades For Canadians To Buy Real Estate And When They Retire Start Selling Them Off (Liquidating) And Live Off The Proceeds; What Made This Strategy Incomplete Was The Effect Of Taxation On Their Retirement Assets.

Every Property You Own, Over And Above Your Family Home Is Subject To Capital Gains And Or Deemed Disposition Charges Upon Liquidation. If You Own Multiple Properties And Need Advice On Structuring Your Retirement Or Income Streams, Let Me Know; And I’ll Use My 33 Years To Help You Achieve Your Objectives…

New School:?Do Not Sell Your Real Estate Portfolio; Continue Enjoying Your Properties' Natural Appreciation; Selling It Today Will Deprive You Of All That Organic Growth Which Can Never Be Duplicated By Any Other Asset Class.

However, If You Need Cash, You Can Simply Collateralize The Asset; Access Tax-Free Cash; Cover The Carrying Costs; Or Not, While You Enjoy Your Golden Years. If You're Not 100% Certain How To Proceed; To Achieve Your Retirement Objectives; Contact Me At?[email protected] And Visit Us At www.themoneycafe.ca...

I’ve Also Been Around Long Enough To Remember Older Clients Proudly Telling Me, They Purchased Life Insurance Policies Before My Time And Were Advised To Cash Them Out At Age 65; To Generate And Supplement Their Retirement Income;?Hello; At Age 65 Aren’t We Closer To Mortality? Why Would You Ever Consider Cashing Out Your Life Insurance Policies? If You Are At That Stage, Contact Us Before Making That All-Important Step…

I Have An Advanced Market Solution To Counteract Cashing Out At Age 65. Did You Know We Can Structure A Life Insurance Policy Where The Tax Saving Offsets The Premium? If You Need To Know More; Email Me For More Information…

You Never Surrender Your Policy Especially When The Cash Value Is Approximately 20%* Of The Death Benefit (*Differs Per Policy Type). Guess What; Like My Real Estate Strategy, Anyone Who Comes To Me With A Cash-Rich Policy, I’ll Demonstrate How To Access Tax-Free Cash, Without Interrupting The Natural Life Of Their Policy And When It Is Time (The Final Hour); Ensure Your Family Will Receive 100% Of The Death Benefit Minus Any Tax-Free Advances You Enjoyed While You Were Alive…

Our Strategy:?Io January 29th, 2024 We're Launching Our ‘2-4-1 Real Estate Wealth Builder’?Program, Where We Educate Canadians How To Become Mortgage-Free (Faster); Use Substantial Interest Savings (Tens Of Thousands) And Purchase A Second/Third Property To Have Tenants Cover The Mortgage Payments, While You Enjoy The Real Estate Asset’s Long-Term Appreciation.

Our Process Is Systematic, Sustainable, And Highly Competitive When Compared To Any Other Mortgage Elimination Strategy. I’ve Focused My Attention On The Accumulation Of Wealth Via An Active Basket Of Real Estate Assets, Combined With Equity And Dividend Funds, Including Fixed-Return Investments.

In Conclusion, When You Decide It’s Time To Create A Long-Term Investment Strategy; Including Investing In Non-Correlated Assets; Contact Us At Money Café To Ensure You Have A Healthy Mix Of Stocks and Bonds (Via Investment Funds), And T-Bills To Name A Few And Ensure You Are Properly Weighted Across All Asset Classes.

We Encourage Our Clients To Add Real Estate To Their Portfolio…

Hope You Enjoyed The Article, Good Luck With Your Investment Journey And We Are Always Here To Help…Article Created By Riyad K Mohammed; CEO, Of The Money Café; Riyad Is Also A Financial Advisor With Financial Horizons Group. One Last Point; I Am Not A Realtor; Instead, I Work With Multiple Realtors In The Event My Clients Need To Explore Owning Additional Real Estate Assets…