About: Kathryn Jankowski

Kathryn Jankowski is an accredited Financial Divorce Specialist (FDS), a Certified Financial Planner (CFP®) and an Accredited Family Mediator (OAFM) with over 30 years of experience in the financial services industry. Motivated by a passion to help others, she combines her financial expertise with her first-hand experience of divorce to offer clear, objective and personalized guidance during what is often a stressful and complicated process.

Recent Posts by Kathryn Jankowski

The Financial Canadian ~ National Household Survey

Are you the typical financial Canadian? Statistics Canada released the final version of the 2011 National Household Survey data and the findings are interesting, indeed. About one quarter of Canadian households spent 30% of their total income on shelter and they paid an average of $1,259 a month. Ten percent of Canadians earned more...

Aging in Canada!

Aging in Canada isn't easy or cheap, for that matter. Often when I create a personal financial plan for my clients they anticipate spending their retirement savings earlier on in their golden years while they are still active and able to enjoy the fruits of their labour. But no one likes to think...

CPP, OAS and ePassports?

How our government handles our CPP and OAS payments is changing. Our federal government is phasing out writing cheques by April 2016. All government payments will be sent by way of electronic transfer to recipients bank accounts. Automating CPP and OAS payments has always been a choice but many prefer to take their...

Financial Acronyms Meant to Confuse?

LIRA's, LIF's, OAS, CPP, LRSP's, DC pension plans and DB pension plans, Non-registered funds and Taxable Accounts are all financial planning acronyms which I jokingly tell my clients that my industry invented to confuse them so that they needed to get in touch with me to understand their financial picture better. Most laugh. ...

Cost-effectiveness of your Portfolio

There's no new magic here.  The conversation has been going on for some time, years even. Is it worthwhile to hire a portfolio manager and pay more in Management Expense Ratios (fees) to have these financial wizards top the index?  Or are you paying more money for, hopefully, a mere modest return over and above...


Gen-Y and the Pension Issue

Gen-Y has become a bit of a hot topic lately, especially for boomers like me.  How do we work with this younger generation?  Many of us have been introduced to Myers-Briggs personality models or perhaps Insights and similar types of programs that distinquish our personalities and how we can work effectively with others who aren't...


Ontario Budget and the Ontario Trillium Benefit (OTB)

Some budget decisions are interesting, to say the least. Let's have a look at the Ontario Budget that was just released on May 2nd, 2013 with regard to the Ontario Trillium Benefit. Here's a synopsis taken from T.E. Wealth's website: ONTARIO TRILLIUM BENEFIT (OTB) The OTB, which combines the Ontario Sales Tax Credit (OSTC), the...

Re-marriage? Co-habitation? Really?

Don't you remember saying, "Never again!"?. Re-marriage is something we don't think about while going through the divorce process nor is it something we think immediately afterwards either. Coming to terms with our solitude and finally embracing our independence are often long-haul transitions. Who wants to feel like they're going back to...

Do-It-Yourself Divorce

Ever have something happen so infrequently and then have it happen in rapid succession? It gives one pause to ponder if anything has changed to drive the activity or whether it's just pure co-incidence. Well, I've had four different conversations with divorcees in the past two weeks that wanted to do a do-it-yourself...

Testamentary Trusts

It didn't really surprise me that Jim Flaherty's 2013 Federal Budget wanted to look at the tax advantages that testamentary trusts establish.  What did surprise me is that it took so long! 

We are all subject to tax rates when we file our income taxes.  The more we make the higher the percentage of tax we pay,...


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