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# Carey Vandenberg

## Sitemaps

- [XML Sitemap](https://www.careyvandenberg.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [CEVAW-Blog](https://www.careyvandenberg.com/blog/)
- [The RDSP Is SO MUCH BETTER Than An RRSP](https://www.careyvandenberg.com/2026/02/06/the-rdsp-is-so-much-better-than-an-rrsp/) - Everyone has heard about RRSP's and how good they are. Yet, RDSP's are talked about much less. No real surprise. The RRSP program was started in 1957 and the RDSP got its start on December 1st, 2008. As well, the RDSP isn't available to nearly as many people. Despite that, I'm finding that more and
- [How (& Where) To Get The Best Travel Insurance Coverage](https://www.careyvandenberg.com/2021/12/08/why-you-should-get-travel-insurance-from-a-place-that-only-does-travel-insurance/) - It seems whenever I talk to someone, they have recently come back or are planning a trip. Cheryl and I do most of our travel from late winter to late summer. although living very close to the Canada USA border, we often run across to the US. Because of that, we always need travel insurance.
- [When Investment Prices Drop, Are You Better Off?](https://www.careyvandenberg.com/2025/04/10/when-investment-prices-drop-are-you-better-off/) - Is this a stupid question? It appears so since most people would say, "Of course not! I'd be better off if prices keep rising!" That could be very true. I hope you know, though, that investment prices fluctuate. They always have, and they always will. Prices on investments that can be bought and sold at
- [Why You Should Buy An Older House Rather Than New](https://www.careyvandenberg.com/2021/03/23/why-you-should-buy-an-older-house-rather-than-new/) - Cheryl and I moved away from a quiet corner of South Surrey called Ocean Park to our current neighbourhood, in 2016. We had lived in Ocean Park for 21 years almost exactly to the day and it was simply time for a new chapter. Our oldest son was long out of the house and the
- [Don't Heed The Advice To Receive Your Income As Dividends](https://www.careyvandenberg.com/2025/02/13/dont-heed-the-advice-that-you-should-take-dividends/) - Has your Accountant recommended that you take dividends from your corporation, instead of salary, simply because you'll save tax dollars? I've come across this advice several times. Although I think this can make sense sometimes, in most cases however, I believe it is the wrong thing to do. Here's why. Yes, taking dividends can save
- [Health Spending Accounts - Why A HSA Is Better Than Insurance](https://www.careyvandenberg.com/2025/02/11/health-spending-accounts-why-a-hsa-is-better-than-insurance/) - I've been a small business owner since the early 90's and have had a HSA for my family since then because it is the most cost effective way to pay for dental, vision, prescriptions, physio, etc. In Canada, you don't get much in the way of tax savings if you have to pay these kind
- [A FHSA Can Grow Your Money By Up To 50% Guaranteed](https://www.careyvandenberg.com/2023/02/17/dont-own-a-home-the-fhsa-first-home-savings-account-along-with-the-hbp-home-buyers-plan-can-get-you-it/) - The FHSA is one of the most generous tax incentive programs I have seen in my whole career as a Financial Advisor. If you have not owned a home in the past 5 years, you should DEFINITELY set up a FHSA. The best way to do that is with your Financial Advisor (Don’t have an Advisor?
- [Should I Pass Money Down To My Kids Now?](https://www.careyvandenberg.com/2024/03/21/should-i-pass-money-down-to-my-kids-now/) - Recent BloG Posts
- [Life Insurance On Your Mortgage Could Mean You Have No Insurance At All](https://www.careyvandenberg.com/2021/06/15/life-insurance-on-your-mortgage-could-mean-no-insurance-at-all/) - Yes, you read that right. If you tick the "YES" box, to have life insurance on your mortgage, you may not actually collect the life insurance when you expect to and most need it. So why do people (you may be one of them) sign up for this kind of life insurance? First is, "I
- [Should Someone Other Than You Decide How You Work With Your Financial Advisor?](https://www.careyvandenberg.com/2018/06/25/should-someone-other-than-you-decide-how-you-work-with-your-financial-advisor/) - Working in the Canadian financial services “industry” means dealing with all kinds of regulatory bodies covering and intersecting every spectrum of finance in Canada. I have been told by an executive at one of the insurance companies that there are 53 financial regulatory bodies in Canada. That sure is a lot of regulation. I say
- [Are Homes Really That Much Less Affordable Now Than In Years Past?](https://www.careyvandenberg.com/2018/06/25/are-homes-really-that-much-less-affordable-now-than-in-years-past/) - Since the early 80’s, interest rates have fallen. If you look at it on a graph, it hasn’t been a straight, sloped line downward. It has been more like an an uneven slope of a long hill where there are flat spots as well as spots where you are actually going up. Despite that, what
- [Focusing On Your Strength Is The Secret To Success – Lessons From The Norwegians and The Dutch](https://www.careyvandenberg.com/2018/06/25/focusing-on-your-strength-is-the-secret-to-success-lessons-from-the-norwegians-and-the-dutch/) - It has been almost a month since the Winter Olympics in Sochi ended however, the results of it and the lessons that can be learned are perpetual and powerful. Russia topped the chart of Olympic medals for a total of 33. The next 4 top hardware winners were Norway, Canada, USA and Netherlands. The incredible
- [A Bit Of Information Can Keep You From Making Costly Mistakes](https://www.careyvandenberg.com/2018/06/25/a-bit-of-information-can-keep-you-from-making-costly-mistakes/) - I am finally getting back to the blog posts after a business transition which I started preparing for in the Spring of 2014 and have now finished the biggest part of. If you are a client reading this, you know what that is all about and I thank you again for your patience and your
- [What Active Management Is & Why I Think It Is Superior](https://www.careyvandenberg.com/2018/06/25/what-active-management-is-why-i-think-it-is-superior/) - “Active Management” is investment management that is continually turning over rocks to find investments that other investment managers are unwilling to invest in or simply just don’t see. They are willing to do a lot of digging to find undiscovered or misunderstood investment gems. They generally invest in a concentrated list of approximately 20 to
- [Yes or No on Proportional Representation (Pro Rep) In BC?](https://www.careyvandenberg.com/2018/11/20/yes-or-no-on-proportional-representation-pro-rep-in-bc/) - There is a Referendum happening in BC and the voting ends on Nov. 30th. The goal of this is to eliminate what some believe, is the unfairness of our existing and long running voting system of "First Past The Post" (FPTP). With our current system, the person who gets the most votes wins, simple. But
- [Does Your Portfolio Have An "Invest Anywhere" Mandate?](https://www.careyvandenberg.com/2019/06/06/reduce-your-portfolios-risk-with-an-invest-anywhere-mandate/) - Currently, the overall sentiment among the investment public seems to be of a very cautious nature. With the recent roller coaster ride we have been on, this is very normal. Nobody likes uncertainty and uncertainty is magnified when a substantial amount of your net worth seems to be bouncing around. This happened again with the
- [Now Is A Particularly Good Time To Check Your Mortgage](https://www.careyvandenberg.com/2019/07/17/now-is-a-particularly-good-time-to-check-your-mortgage/) - There are 2 sides to a personal balance sheet, assets and liabilities. Most of the time, Financial Advisors are focusing on the assets and for good reason; assets increase over time and debt decreases, eventually (for most), falling off the balance sheet. However, debt is something that has to be dealt with and paid and
- [Peaceful Summer Waters Juxtaposed With Choppy Markets](https://www.careyvandenberg.com/2019/08/14/peaceful-summer-waters-juxtaposed-with-choppy-markets/) - Many of us look forward to and get to enjoy, a summer with a body of water, to immerse ourselves in physically and / or scenically. When we are in that place, nothing else seems to matter.Sorry, but I have to take you away from that utopian place for a few minutes to give some
- [I Have To Pay The Bank To Hold My Money?](https://www.careyvandenberg.com/2019/10/10/i-have-to-pay-the-bank-to-hold-my-money/) - Shouldn’t it be that I get paid interest when I deposit money? Yes, normally however there is always another historic first event and today it is that the Greeks are having to pay the bank if they want to deposit money. Ironic because just 3 1/2 years ago, interest rates were closer to 10%.This phenomenon
- [Get Your Will Done, Right Here, Right Now](https://www.careyvandenberg.com/2019/12/27/get-your-will-done-right-here-right-now/) - In my current round of R-U-P-A meetings with clients (RUPA being, Review-Update-Plan-Attain), I've been doing a re-check with each client on when their Will was last done. The range of responses ranges from, “just did it” to, “I’m embarrassed to say, I’ve never in my life had one”. It’s been several years (over 20), since
- [Why Renting Doesn't Mean You Are Throwing Money Away](https://www.careyvandenberg.com/2020/01/17/why-renting-doesnt-mean-you-are-throwing-money-away/) - I'm sure you have heard, or even said this yourself, "Renting is just throwing money away". My guess is 99% of people (and you may be one) believe, without a doubt, that this is true in every respect. Empirically, I must agree; that appears to be true. However, from a mathematical perspective, it definitely is
- [Why Adding Someone Else's Name On Your House Is Probably Not Smart](https://www.careyvandenberg.com/2020/02/07/why-adding-someone-elses-name-on-your-house-is-probably-not-smart/) - What I’m referring here is the common held belief that having a parent change the ownership of their home or rental property (or any other asset for that matter) to “joint tenancy”, in the effort to avoid probate fees when the parent passes on, is good “estate planning”. You know where I stand on this
- ["Book Value" is NOT The Amount You Invested](https://www.careyvandenberg.com/2020/03/06/book-value-is-not-the-amount-you-invested/) - First, I want to say that I've written on this topic more than once. The last time time was in Issue 182 of Mutual Gains (Nov / Dec 2017). If you have never read an issue of Mutual Gains, you can read the latest one and subscribe, here. If you remember reading my simple explanation
- [A Rational Look At Covid-19 & The Ramifications Of Its Affect On You (and how to profit)](https://www.careyvandenberg.com/2020/03/20/a-rational-look-at-covid-19-the-ramifications-of-its-affect-on-you-and-how-to-profit/) - I’ve been overseeing portfolios for clients and advising on financial matters for 32 years and 11 months now. A little over 6 months into my entry of this profession, I had a meeting with a potential client, a named partner of one of the biggest law firms in Vancouver. The date? October 16th 1987. In
- [Use This "Great Interruption" To Change Your Life, For The Better](https://www.careyvandenberg.com/2020/03/30/use-this-great-interruption-to-change-your-life-for-the-better/) - As the question goes, “I have good news and bad news. What do you want to hear first?” Well, since you can’t answer that, I’ll start with the bad news. Technically speaking, we could very well face the swiftest, worst global recession we have ever seen. Yes, you could very well see that in a
- [Are You Waiting For The Bottom?  You May Have Missed it](https://www.careyvandenberg.com/2020/04/09/if-you-are-trying-to-time-this-you-are-probably-late/) - When you see something on sale for an incredible price, one that is lower than you have seen it in 4 or 5 years and about 30% cheaper than it was just a couple of weeks ago, do you wait to see if it just might get a little bit cheaper? Or maybe you expect
- [The 5 Things I Know To Be True In The Midst of Covid-19 Uncertainty](https://www.careyvandenberg.com/2020/04/22/the-5-things-that-continue-to-be-true-in-the-midst-of-covid-19-uncertainty/) - There has rarely been an opportunity to add as much long-term value to an investment portfolio as there is right now. Why this is the case has a lot to do with the indiscriminate selling that was done quite quickly and which seems, came to a climax on March 23rd. That massive, thoughtless selling was
- [Why You Should Stop Guessing If Equity Markets Will Go Lower Again](https://www.careyvandenberg.com/2020/04/30/why-you-should-stop-guessing-if-equity-markets-will-go-lower-again/) - We have just experienced the 2nd best 25-day rally on record. #1 was in early 2009. The question is, have things gone up too far too fast? Will we head back down again for a bit? The answers to those questions are “Yes, I think so” and “There’s a 50/50 chance”. Although, a poll of
- [Turning Over Rocks To Find The Non-Obvious Survivors](https://www.careyvandenberg.com/2020/05/19/turning-over-rocks-to-find-the-non-obvious-survivors/) - On Wednesday May 13th I attended 2 virtual meetings with one of our investment management teams. In past years, Cheryl and I have flown out to Toronto to attend these normally, live events. This obviously wasn’t going to happen this year and from one angle, it worked out well for us that it didn’t. We
- [Where Do You Fit On The “Covid-19 Fear” Spectrum?](https://www.careyvandenberg.com/2020/05/26/how-you-live-your-life-with-the-risk-of-corona-virus-covid-19-says-a-lot-about-you/) - Finally! We are starting to open things up again. On Sunday May 24th I was out getting a few things. Despite having to wait in a line to get into London Drugs, with most people wearing masks, there was definitely a more vibrant feel out there. It hasn’t felt like this in a long time.
- [Why Do You Let Those Thousands Of LazyBoy Dollars Sit Around Like That?](https://www.careyvandenberg.com/2020/06/04/why-do-you-let-those-thousands-of-lazyboy-dollars-sit-around-like-that/) - All of us have money coming in every month. It comes in and it goes out, month after month. That is why they say money makes the world go around. Without money flow, the world stops. Going through the last few months, we now have a real world experience of exactly what that means and
- [Has "The Market" Gone Up Too Far, Too Fast?](https://www.careyvandenberg.com/2020/06/16/has-the-market-gone-up-too-far-too-fast/) - Is “the market” getting ahead of itself? Sure, things are looking better than they did a couple of months ago but, there still is a lot of uncertainty out there. The market seems to have rebounded strongly. So have social interactions. In some place they have gone from solitary confinement to Woodstock 2020. We still
- [A Sure Fire Way To Get Your Investment Timing Right (And Develop A Wealth Building Habit)](https://www.careyvandenberg.com/2020/07/31/a-sure-fire-way-to-get-your-investment-timing-right-and-develop-a-wealth-building-habit/) - I’ve seen it over and over, my entire Financial Advising career; there are always people trying to guess when the best time to invest is or when to cash out before a major market decline. I get that sense from everyday news and written articles and I on occasion, get that from a client. The
- [Why Knowing & Focusing On Your Point B Is Critical](https://www.careyvandenberg.com/2020/08/27/why-knowing-focusing-on-your-point-b-is-critical/) - Reading this, you probably fit into 1 or more of these 3 categories. 1) You are looking to invest money, 2) you have money sitting on the sidelines and are frozen into inaction or 2) you already have money invested. The 2 questions that drive your decision making are, “What is the future purpose of
- [Social Media Gang Trying To Stick It To The Big Money (Hedge Funds)](https://www.careyvandenberg.com/2021/02/04/social-media-gang-trying-to-stick-it-to-the-big-money-hedge-funds/) - Although I believe most people are investing based on a long term view, there are many people who are not. The latter group see the "stock market" as simply a place to speculate, day trade, gamble, in. We saw some fairly big examples of this last week. This was (and is) being done through the
- [Your Mind May Be Getting Hacked By AI (Without You Knowing)](https://www.careyvandenberg.com/2022/11/29/ai-is-often-steering-you-in-the-wrong-direction-without-you-knowing/) - Does it sometimes seem that your phone, tablet, laptop etc. knows what you are thinking? You poke around for something on the web, whether it be a news piece, info on a particular topic or just trying to purchase something, and then, all of a sudden, you get articles and ads that seem to fit
- [Why 1% On Your Savings Was Better Than 3% (or even 4%)](https://www.careyvandenberg.com/2022/09/24/why-1-on-your-savings-was-better-than-3-or-even-4/) - For the past few years we have been stuck getting 1% (and most often Less) on any cash we had sitting around in our chequing and savings accounts. Now that you can get 2, 3 and maybe even 4% to lock up money for 1 year, there seems to be a belief that we are
- [Taxing Your Wealth Could Be Target #1 On April 19th (Canada's Federal Budget Day)](https://www.careyvandenberg.com/2021/04/09/an-annual-tax-on-real-estate-could-be-target-1-on-april-19th-canadas-federal-budget-day/) - The Liberals are set to release a much overdue Federal Budget on April 19th 2021. You are probably well aware that the Covid money being shovelled out by the Liberals since last March has increased the Federal Deficit and Debt substantially (and continues to do so). This downhill fiscal slide has to move in the
- [Forecasting Is Fun But Useless (Since It’s Most Often Wrong)](https://www.careyvandenberg.com/2022/11/01/forecasting-is-fun-but-useless-since-its-most-often-wrong/) - Investment firms have started to publish their investment forecasts. These mostly state where they think the S&P 500 index will end up. So far, it looks like the range is between 3,800 to 4,200 which is about 4 to 15% above current levels. These forecasts are reported widely and many people digest them; despite the
- [The Investment Side Of Putin's Actions (Jumping Off The Cliff When The Wave Is Out)](https://www.careyvandenberg.com/2022/03/09/the-investment-side-of-putins-actions-jumping-off-the-cliff-when-the-wave-is-out/) - Within a few weeks, the world as we know it has change immensely. Germany has been been upping their military might by supplying thousands of defensive weapons to Ukraine. Switzerland has gone from being a staunchly neutral country to one taking a stand with so many other countries, against aggression. The world is witnessing a
- [Who Is Your "Trusted Contact Person"? (and Why You Need One)](https://www.careyvandenberg.com/2022/04/07/who-is-your-trusted-contact-person-and-why-you-need-one/) - 2 years ago I read of an elderly Alberta woman who was defrauded of over $240,000 through 26 scams over 10 months. These included her thinking she won a lottery to owing money to CRA. The woman's son suspected something was going on and went to a bank branch and notified the teller that his
- [Should You Be Fearful or Opportunistic With Rising Inflation & Interest Rates (and Lower Investment Prices)?](https://www.careyvandenberg.com/2022/07/04/should-you-be-fearful-or-opportunistic-with-rising-inflation-interest-rates-and-lower-investment-prices/) - Investment prices have come down over the past few months. It might seem ironic for an advisor to write something after investment markets have come down, particularly to support people who have cash to invest. Let me further explain this however. Investments are the only area in life where we tend to think and act
- [The Hole At the Bottom Of Our Income Bucket](https://www.careyvandenberg.com/2018/06/25/the-hole-at-the-bottom-of-our-income-bucket/) - I’ve had my cell phone for almost 3 years. Its relatively old technology and it’s not something I can engage in conversation about with a group of friends. It could use an upgrade and what was a very cheap cell phone plan is now not that cheap any more in relation to what is available
- [Should You Be Worried Now That “The Market” Is At All Time Highs?](https://www.careyvandenberg.com/2018/01/12/should-you-be-worried-now-that-the-market-is-at-all-time-highs-2/) - Unless your portfolio was positioned in the most conservative of ways through much of 2017 (or had a significant tilt in that direction), a well-diversified, global portfolio produced healthy returns that were in very high single digits to the upper teens. If the Canadian dollar had stayed constant (mainly vis a vis the US dollar),
- [Risk – It’s Not Understood and It’s Very Often Ignored](https://www.careyvandenberg.com/2016/04/28/risk-its-not-understood-and-its-very-often-ignored/) - Risk. It’s a 4 letter word, one which we want to avoid. But what does “risk” really mean? What does it look like? Are you focused on trying to avoid one kind of risk, a risk that is mostly about how you feel, when there are other risks that are actually more …. risky? When
- [A Bit Of Information Can Keep You From Making Costly Mistakes](https://www.careyvandenberg.com/2015/05/25/a-bit-of-information-can-keep-you-from-making-costly-mistakes-2/) - I am finally getting back to the blog posts after a business transition which I started preparing for in the Spring of 2014 and have now finished the biggest part of. If you are a client reading this, you know what that is all about and I thank you again for your patience and your
- [What Active Management Is & Why I Think It Is Superior](https://www.careyvandenberg.com/2015/05/08/what-active-management-is-why-i-think-it-is-superior-2/) - “Active Management” is investment management that is continually turning over rocks to find investments that other investment managers are unwilling to invest in or simply just don’t see. They are willing to do a lot of digging to find undiscovered or misunderstood investment gems. They generally invest in a concentrated list of approximately 20 to
- [Focusing On Your Strength Is The Secret To Success – Lessons From The Norwegians and The Dutch](https://www.careyvandenberg.com/2014/03/21/focusing-on-your-strength-is-the-secret-to-success-lessons-from-the-norwegians-and-the-dutch-2/) - It has been almost a month since the Winter Olympics in Sochi ended however, the results of it and the lessons that can be learned are perpetual and powerful. Russia topped the chart of Olympic medals for a total of 33. The next 4 top hardware winners were Norway, Canada, USA and Netherlands. The incredible
- [Are Homes Really That Much Less Affordable Now Than In Years Past?](https://www.careyvandenberg.com/2014/01/20/are-homes-really-that-much-less-affordable-now-than-in-years-past-2/) - Since the early 80’s, interest rates have fallen. If you look at it on a graph, it hasn’t been a straight, sloped line downward. It has been more like an an uneven slope of a long hill where there are flat spots as well as spots where you are actually going up. Despite that, what
- [Should Someone Other Than You Decide How You Work With Your Financial Advisor?](https://www.careyvandenberg.com/2013/11/05/should-someone-other-than-you-decide-how-you-work-with-your-financial-advisor-2/) - Working in the Canadian financial services “industry” means dealing with all kinds of regulatory bodies covering and intersecting every spectrum of finance in Canada. I have been told by an executive at one of the insurance companies that there are 53 financial regulatory bodies in Canada. That sure is a lot of regulation. I say
- [The Hole At the Bottom Of Our Income Bucket](https://www.careyvandenberg.com/2013/09/11/the-hole-at-the-bottom-of-our-income-bucket-2/) - I’ve had my cell phone for almost 3 years. Its relatively old technology and it’s not something I can engage in conversation about with a group of friends. It could use an upgrade and what was a very cheap cell phone plan is now not that cheap any more in relation to what is available

## Pages

- [CEVAW-Home](https://www.careyvandenberg.com/) - Bridges are essential when you are trying to get somewhere, since you'll be using at least one. We can be every bridge you need to get you to all the places you want to go; from buying a 1st home, saving for your kids (or grandkids education), retiring and passing on money (to name just
- [CEVINC - Previous Editions (MG's)](https://www.careyvandenberg.com/previous-editions/) - Previous Editions 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 Pages CEVAW – Get Mutual Gains CEVAW Privacy Policy CEVAW Terms And Conditions CEVAW-Blog CEVAW-Home CEVAW-LSQ CEVAW-Our Team CEVAW-Supporting Team Specialists CEVAW-We Can Help CEVINC – Are We A
- [CEVAW - Get Mutual Gains](https://www.careyvandenberg.com/connect/) - Get previous editions of MUTUAL GAINS here. Receive the same emails and notifications directly from Carey, that he sends to clients, by signing up for the "Mutual Gains Insider" * indicates required Email Address * First Name * Last Name *
- [CEVAW-LSQ](https://www.careyvandenberg.com/lifestyle-questionnaire/) - Lifestyle Questionnaire 1. Name 2. Email 3. How old are you and what is your marital status? 4. When you aren't working how do you spend your leisure time? What would you like to do more of? 5. What are some of the things that you want to accomplish / do over the next year,
- [Set Up A Meeting](https://www.careyvandenberg.com/set-up-a-meeting/) - You have a few options on our meeting location and we want this to be entirely up to you:Your Home or OfficeTo make things as convenient for you as possible, Carey has regular “road days” (normally a Tuesday or Wednesday) where meetings can be set from early morning through mid-evening at a location near you.
- [CEVINC - Our Team](https://www.careyvandenberg.com/team-2/) - Carey has been serving as a Financial Planner for people just like you since 1987. When he’s not advising on financial and investment matters, he is either walking between home and the South Surrey office (that’s about 100 meters), working to stay physically strong, playing drums in sound deading room he built in the garage,
- [CEVINC - Other Specialists](https://www.careyvandenberg.com/team/) - Supporting Team Specialists MORTGAGE & FINANCING Peggy Sheppard, INVIS (Langley, BC) Peggy is someone I work closely with for mortgages or any other financing you may need. ACCOUNTING Narinder Johal, Kanester Johal LLP CPA’s (Burnaby, BC) Narinder’s firm has been dealing with C.E. Vandenberg & Associates Inc. corporate financials since 1993. LEGAL Don Moir, Inc
- [CEVINC - Introduction](https://www.careyvandenberg.com/home-2/) - If you are reading this it is mostly likely because you are looking for a Financial Advisor. I think you will find that you may have come to the exact place you want to be. Every relationship has to be built on a solid foundation and here is ours, as it relates to the Financial
- [CEVAW-Supporting Team Specialists](https://www.careyvandenberg.com/supporting-team-specialists/) - Supporting Specialists # AREA NAME COMPANY DESCRIPTION # 01 AREA Mortgage & Financing NAME Peggy Sheppard COMPANY INVIS (Langley, BC) DESCRIPTION Peggy is someone we work closely with for mortgages or any other financing you may need. # 02 AREA Accounting NAME Narinder Johal COMPANY Kanester Johal LLP CPA’s (Burnaby, BC) DESCRIPTION Narinder’s firm has
- [CEVINC - Calculators & Info](https://www.careyvandenberg.com/resources-page/) - Budget and Planning Mortgages, Loans & Bank Accounts Investing Income Tax Insurance Automobile Guidelines Budget and Planning RESP Contribution Calculator Budgeting Spreadsheet Template for Household (Excel) Estate Planning Organizer Mortgages, Loans & Bank Accounts Mortgage Calculator Manulife Bank Advantage Account Loan Calculator Mortgage Comparison Calculator (2 Loans side by side) Mortgage Qualifier Mortgage Paydown or
- [CEVINC - Are We A Fit For You?](https://www.careyvandenberg.com/about/) - Looking for a Financial Planner or Financial Advisor? If so, I know I can help in your search. It will also help you determine if me and my team fit for you. Or if we don’t. Whether this is the first time you are searching for a Financial Planner or if you are not happy
- [CEVAW-We Can Help](https://www.careyvandenberg.com/we-can-help/) - Looking for a Financial Planner or Financial Advisor? Ask yourself the questions, below. After that? Keep reading to see if what we say about ourselves matches you (not everyone does): Is it important to have a Financial Advisor with a broad and deep level of experience or are you okay with getting a base level
- [CEVAW-Our Team](https://www.careyvandenberg.com/our-team/) - Carey Vandenberg POSITION: YOUR FINANCIAL PLANNER & ADVISOR IN BUSINESS SINCE: 1987 Carey has been serving as a Financial Planner & Advisor for people just like you since 1987. He has walked people and their portfolios through many ups and downs since then. When he’s not advising on financial and investment matters, he loves a
- [CEVAW Terms And Conditions](https://www.careyvandenberg.com/terms-and-conditions/) - Terms and Conditions Last updated: August 16, 20221Please read these Terms of Use (“Terms”, “Terms of Use”) carefully before using the https://www.careyvandenberg.com website (the “Service”) operated by Carey Vandenberg (“us”, “we”, or “our”).Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all
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