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About Colin
Colin Ritchie, LLB, CFP, CLU, TEP, and FMA, is a Vancouver-based fee-for-service lawyer and financial planner who does not sell investment or insurance, just advice. He graduated from the University of Victoria's Law Co-op programme in 1996 and spent just under five years in private practice as a lawyer before transitioning into financial planning and successfully completing his Certified Financial Planning (CFP) designation. Mr. Ritchie has worked in Sun Life's Estate and Financial Planning Services Department, working his way up to the role as a Director of Financial Planning. While at Sun Life, he also acquired the CLU (Certified Life Underwriter) and FMA (Financial Management Advisor) designations.
Colin's Videos
Life is complicated, so it shouldn't be a surprise that the business of dying is, as well. Learn about common Will and estate planning issues, and how to sidestep those that can be avoided and minimize the impact of those that cannot. Discover ways to increase the size of your estate and decrease the chances it is later squandered or ends up in unintended hands. Empower yourself to make more informed estate planning decisions or to feel more confident about those you've already made. Whether passing along a modest or massive estate to the people or organizations you love, a good Will and estate plan can pay for itself many, many times over in terms of costs, taxes and relationships saved.
Colin Ritchie
ESTATE PLANNING
42:23
Covid-19 has forced many of us to take a long, hard second look at our finances and investments. Listen to this presentation in order to get some insight on ways you can potentially minimize the financial impact of this financial tsunami and best position yourself for its aftermath. Colin Ritchie will cover capital gains planning, use of trusts, and what to do about your mortgage.
Colin Ritchie
ESTATE PLANNING
55:23
This presentation integrates legal and financial planning in the hopes of providing attendees with some tools to not only minimize taxes and fees at death, but also the confusion, conflict and unintended results that can arise without proper planning. Learn about why testamentary trusts can still be a vital part of your estate plan and the difference between a good Will and a great one.
Colin Ritchie
ESTATE PLANNING
1:11:35
The Federal Government has created a surprising number of different registered savings plans to help Canadians finance their futures. This informal and engaging presentation will summarize how Registered Savings Plans ("RRSPs"), Registered Retirement Income Funds ("RRIFs") Tax Free Savings Accounts ("TFSAs"), Registered Educational Savings Plans ("RESPs") and Registered Disability Savings Plans ("RDSPs") work, but more importantly, it will also help you make the most out of these different opportunities - as they say, the devil is in the details. In addition to discussing most tax-efficient ways to fund these different programs and which to prioritize in different circumstances, this presentation will also focus on when and how to best withdraw money, particularly from RRSPs and RRIFs. Although registered programs can help us accumulate large sums of money for the future, this money goes a lot further if we can manage and reduce the tax bill that arises on the other end. Ultimately, it's not the size of your accounts that matter but how much you have left to spend after the tax man has come and gone.
Colin Ritchie
RETIREMENT
01:45:04