Welcome to the online newsletter of Institute of Financial Consultants

For more information about articles in our newsletter,

please call us at 1-604­-687­-1281 or email us at


   August 2018

Bonds for Every Stage of Life

Many think bonds are for the very conservative investor. But actually, bonds are an important component of a well-balanced portfolio throughout every stage of an investor’s life. They can provide stability during volatile markets, can provide an income stream, help with tax liability, and provide higher rates of return for capital growth. Regardless of your life stage, you should consider having bonds in your investment portfolio.
[FULL ARTICLE...Bonds for Every Stage of Life]

Retirement Planning for Stay-at-Home Parents

Millions of Americans are stay-at-home parents. While they may not get paid a regular salary, they perform vital work caring for children and managing the household. Unfortunately, since it’s a job that doesn’t come with a paycheck, it leaves those moms and dads in a tough spot when it comes to retirement.
[FULL ARTICLE...Retirement Planning for Stay-at-Home Parents]

5 Estate Planning Tips for Dependents

When you have people who are dependent on you, like children or elderly parents, you want to ensure they will be well taken care of in the event that you can no longer care for them. Here are five tips for creating an estate plan that will ensure your dependents are taken care of according to your wishes.
[FULL ARTICLE...5 Estate Planning Tips for Dependents]

Should You Defer Income Taxes?

Should you pay income taxes now so you can withdraw funds after retirement tax free?  Or are you better off delaying income taxes until after retirement?  This is a basic decision when choosing between a traditional deductible individual retirement account (IRA) and a Roth IRA, or between a 401(k) and a Roth 401(k) plan.
[FULL ARTICLE...Should You Defer Income Taxes?]

Why Should You Consider Bonds?

Why should you consider bonds for your investment portfolio?  The primary reasons include…   
[FULL ARTICLE...Why Should You Consider Bonds?]


Published by Integrated Concepts Group, Inc. 
Some information provided in this newsletter was prepared by Integrated Concepts. This newsletter intends to offer factual and up-to-date information on the subjects discussed, but should not be regarded as a complete analysis of these subjects. Professional advisers should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.