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Author: kiara

When to take CPP?

 

 

 

 

 

 

 

 

 

One of the questions we get the most about retirement planning is, “when is the best time to take CPP”? As people enter the retirement phase of their lives, they switch from saving money to making decisions about when and what type of income to receive. When to start taking CPP is a big decision, and like many financial decisions, there are many aspects to consider when deciding when to take CPP.

What is the Canadian Pension Plan (CPP)

There are countless articles on what precisely the CPP is. One of the best places to look is the Canadian government site and their CPP Overview. It outlines details into qualifications needed and how to apply. We encourage our clients to sign up for the My Service Canada Account online service to review their specific CPP contributions and Estimated monthly benefit.

The typical age to start the pension is 65. However, you can start receiving it as early as age 60 or as late as age 70. If you start receiving your pension earlier, the monthly amount you’ll receive will be reduced. However, if you decide to start later, you’ll receive a larger monthly amount.

For 2020, the current maximum monthly CPP benefit is $1,175.83. The average CPP benefit is much lower than the maximum. For March 2020, the average is $696.56

 

When should YOU start your benefit?

The honest answer is “It all depends”. The answer is not straightforward, and ultimately the decision on when to apply for CPP should be part of a broader retirement plan. It’s essential to develop as clear a snapshot of your retirement income and expenses as possible. It’s necessary to determine if there is a gap between the money you will need and the money you will have.

There are advantages and disadvantages to taking CPP early or waiting a little later. We highly recommend you take a little time and weigh the options. Failing to do so could damage your retirement — and your wallet.

 

3 Advantages of Taking Early

Reduced Life Expectancy – If your health is deteriorating and you have concerns about your longevity, taking CPP early could make sense. Without sufficient personal savings or income to support your lifestyle in your 60s, you may have no choice but to take CPP early.

OAS Clawback – High-net-worth individuals might take the CPP payment to lower overall taxes and maximize the OAS benefit. Taking earlier payments and decreasing the annual CPP income will reduce the risk of having the OAS benefit clawed back.

Late Stage Retirement spending – The rationale of enjoying early retirement activities — like travel, dining out, a new car, etc. is higher expenses and the need for higher income. For the Late stage of retirement, people often don’t have the ability or desire to spend more money, and those extra expenses don’t relate — so having a higher monthly CPP is excellent, but they may not be able to spend it.

 

3 Advantages of Delaying

You Are Still Working: After age 65, CPP contributions become optional if you are still employed. However, CPP benefits are included in your taxable income and thus increase your taxes. If you don’t need the extra income, deferring CPP income by a couple of years could result in tax savings. The same goes for OAS payments.

Average Life Expectancy or Better: If people in your family generally live past age 90 and are in good health, it may make sense to delay CPP to age 70 for more benefits and minimize your longevity risk.

The length of time you contributed to the plan: Other factors can also affect your pension amount, each year you contribute to the CPP will result in an additional post retirement benefit and increase your retirement income. If you were out of work or moved to Canada during your career, the extra contribution years could help.

 

What we have learned in working with clients is that financial decisions are often emotional. Financial decisions with spreadsheets and calculators are an essential part of reaching a decision, but if we ignore our clients’ comfort level or peace of mind, that is not wise advice.

Readers are invited to share their comments; however, the author cannot address questions regarding an individual’s specific financial situation. If you have a technical question regarding your CPP, please contact your Wealth Management Advisor.

 

Links:

Average CPP

CPP Overview

My Service Canada

OAS Pension

Meet our Team: Maria Ioannou

Maria has been with The Rothenberg Group for over 23 years and was recently appointed as President of all the Rothenberg group of companies.

“I hope to inspire other women through my leadership and compassion and prove that YES we can have it all!”

Maria started at Rothenberg back in 1997, fresh out of University with a degree in Accounting. She was quickly promoted to the position of Head Accountant – a weighty job for someone so young, but she had such promise that the management felt she could fill the shoes of the position. A few short years later she was promoted to the title of Controller. In 2017 Maria was appointed as Chief Financial Officer. And in early 2020 Maria was unanimously elected as President of the Rothenberg Group of companies.

“I am proud to hold this office and responsibilities that it entails. I manage such a wonderful group of Rothenberg associates. Every day is exciting, challenging and rewarding.

I am also a wife and mother of two teenage boys! Balancing it all is challenging and I take it all on with passion and pride.

What really helps me find balance is daily meditation (morning and night) and lots of cardio exercise!

And I never forgo my daily walks during all seasons, but especially now in the summer!”

Inside Rothenberg

COVID Financial Check-Up

The COVID-19 pandemic has halted life as we know it. You can’t go about your daily routine anymore. It is difficult to touch base with family and friends

Like many people, when you get ill or hurt you schedule a checkup with your health care provider. It usually includes a health history, physical exam and tests to get you back to normal. It is important to have a regular family health care provider who helps make sure you receive the medical care that is best for your individual needs.

People are considering, or potentially reconsidering, what assets are held in their families’ portfolios going forward. Now is the ideal time to step back and complete a check-up on your finances.

If you aren’t able to work at the moment, or your income has been reduced because of coronavirus measures, you should look into claiming benefits and other financial support that is available as soon as you can.

  • Set up online banking: Most banks offer online banking services that enable you to pay your bills, transfer money, and access a record of your account transactions from your web browser. Banking from the comfort of your home, at any time of the day or night, makes everything you do with your finances a bit easier. Adding and receiving funds from your Rothenberg accounts is easily done through your online banking. The transaction only takes 1-2 business days to complete.
  • Reassess your budget: During the pandemic, your budget likely changed as you spent more on groceries and utilities while saving on fuel for the car and entertainment. But as economies reopen, it’s time to reassess your budget based on your specific circumstances. Will you work from home permanently? How will you handle childcare? With a new life routine, you need to reassess spending to ensure you don’t slip into debt.
  • Continue to work from home?  Canadians who’ve started working from home due to the coronavirus pandemic are seeing some benefits. Most Parents said their work-life balance has improved now that they aren’t commuting. Top 3 things you will save and spend more on working from Home.
      • Save
        • Commuting to work costs
        • Food and Coffee
        • Clothing Costs
      • Spend
        • Internet Costs
        • Home office costs
        • Utility Cost
  • Update Power of Attorney/Directive and Will: This pandemic has reminded us that anything can happen in the blink of an eye and our good health is certainly not guaranteed. Great job if you have these documents in place, but it may be time to consider updating them.
        • A Personal Directive is a legal document, that allows you to name someone you to trust to make decisions on your behalf should you lose mental capacity and list the areas in which they have decision-making authority (e.g., health care, residential issues).
        • A Power of Attorney is a very similar document that you name someone you trust to take care of your financial decisions.
        • Will A is the document that dictates how your assets will be dealt with and distributed when you pass on. Your will is meant to dictate your wishes of who receives assets and when they receive them. It is important that the creation and revision of your will ties into your overall estate planning.
  • Review existing insurance:  Regardless of this health scare, you should be buying the appropriate amount of insurance coverage to protect you and your family at the earliest time you can. Such coverage only gets more expensive with age. Also, take a look at your group Health Benefits as they will have updated their policies regarding online visits and other COVID 19 measures.
  • Update your Financial advisor: Covid-19 has shaken global stock markets as they react to severe global value chain disruptions and an unprecedented oil price drop. For investors, questions remain over the best strategy to ride this wave of volatility. Depending on your age, you may have time to make up any losses that could affect your retirement plan.
        • Portfolio Rebalance historical experience leads us to advocate an approach of disciplined rebalancing, enabling investors to stay focused on a long-term investment policy
        • Review your Financial Goals/ Retirement Plan There are no doubt investors nearing retirement have been impacted by the COVID-19 crisis.
          Those with jobs should hold on to them while the crisis is still uncertain. No one knows how long this will last and remaining employed is a great way to preserve your capital

Conclusion

Don’t Forget to Reward Yourself for a Job Well Done there is a lot of work and decision making in getting your finances up to date. Remember to take time to celebrate and reward your self and the family for helping out and getting through this life-changing event. These steps can help get you back on track—and back to saving money – more quickly.

Contact Your Advisor Today and bring everything up to date

COVID Resources

Baskets for Saint Margaret Residential Centre and Place Kensington

These times are not easy for any of us, yet even more so for the frontline workers. The Rothenberg team wanted to spread some love and show its appreciation to our neighbours and everyday heroes at Saint Margaret Residential Centre.

Our next door neighbours at Place Kensington are doing a great work year-round. Circumstances brought it to a whole new level though. The Rothenberg team wanted to show its appreciation and support with a small gesture for the frontline heroes at Place Kensington.

How to Better Cope with Stress and Boost Positivity

The past three months have been stressful for everyone. The many uncertainties surrounding COVID-19 along with, at times, conflicting reports can take an emotional toll. We are still in the midst of a global pandemic though certain areas have started to cautiously reopen. Numerous variables are still unknown like how prepared we are for a second wave? How might it impact us or how long will it take to develop a vaccine?

It’s okay to acknowledge that many of us feel challenged and tensed. It is a normal human response. But we are not powerless! The current situation might last a while. To better cope in the long run, we should try to manage stress by limiting our time watching TV, listening to the radio or following news on social channels. Stay informed once or twice a day with a reliable news source, adhere to official distancing rules and focus on self-care and what feels right to you. Luckily, we can now take advantage of the nice weather and encouraging sun rays to get started.

SOME IDEAS ON HOW TO RELIEVE STRESS AND PROMOTE WELL-BEING
  1. Petting an animal has relaxing and therapeutic benefits to humans. It increases the release of feel-good endorphins and may lower your blood pressure and improve your overall health.
  2. Reduce your caffeine intake. Caffeine is a powerful stimulant and a moderate consumption of it can bring both health benefits (beside keeping you alert and energized) and negative effects. Consuming over 400 mg of caffeine a day can lead to uncomfortable symptoms like: elevation of blood pressure and/or stress hormone levels, irritability, headaches, disrupted sleep, nervousness, anxiety or magnified perception of stress. The definition of moderate intake may vary from person to person, so it is important to monitor your current daily intake and watch for jitters and shakes or any of the listed sig ns and try to adjust accordingly.
  3. Laughter as a therapy? It’s no joke! Did you notice that you can’t feel anxious while you’re laughing? It’s a simple good tool to relieve stress response and relax your muscles. Studies revealed that humor has multiple short- and long-term benefits and is one of the most frequently used complementary therapies with cancer patients. In addition to its established psychological benefits, laughter may have physiological effects on the immune system, encourages the body to produce natural painkillers and improves your mood and sense of well-being. Try watching a funny TV show or hanging out with people who make you laugh.
  4. Exercise & Nutrition. It has long been proven that exercise helps lower your body’s stress hormones and release endorphins, which are chemicals that improve your mood and act as natural painkillers. It can also improve sleep quality, otherwise negatively affected by stress and anxiety.

The type of recommended exercise and nutritional modifications do vary according to ages. We tried to summarize a few suggestions per life decade.

In your 20s

At this age your body is at its peak and extremely adaptable, so consider cross-training by combining both anaerobic (strength/resistance training) with aerobic (cardio) elements. Be sure to incorporate weight training twice a week, cardio three to five days a week, balance work, and stretching. Vary your routine and keep it fun.

Nutrition Tip: We build bone well into the mid-20s so focus on calcium, folate, iron (dairy, fortified non-dairy beverages such as soy, rice and almond milks, calcium-fortified juices, green vegetables, salmon, almonds, tahini). Women who plan to get pregnant may add B vitamin and folic acid supplements.

In your 30s

Priorities often shift in our 30s and career and family obligations leave less time for exercise.

At the same time muscle mass and strength begin their steady decline – but you can slow that process. People lose strength faster than they lose muscle, therefor strength training (at least twice a week) can offer a good remedy. High-intensity interval training combining flexibility work, strength work, and cardio can keep you fit. It is a good point in time to start keeping an eye on your daily steps/stairs count, while trying to squeeze fitness (some squats, push-ups or taking the stairs) into your demanding schedule.

Nutrition Tip: The body’s metabolism and calorie requirements begin to decline. Cut down starchy (processed) foods, continue to consume foods rich in calcium, folate, and iron, and focus on magnesium (helps regulate blood pressure and blood sugar and maintain strong bones).

In your 40s

With age, bone density, strength, and muscle mass tend to decline. At this point you can expect your performance to plateau and recovery to take a bit longer no matter what your sport of choice is. Sedentary jobs can have significant effects after a decade or two and our back, neck, hips, and knees begin to tighten. By now you might have broken your training habit a few times and the best way to get back at it is to forgive yourself and try out new types of activity. How about dance, martial arts, or outdoor exercise? All of those can help mix things up and lift up your spirit. Slow down the natural progression by adding 2-3 a week strength training exercises to your moderate-intensity cardio routine. Try to develop strength-building activities you can practice and improve for the long run like hiking. Pilates and Feldenkrais can help building core strength to protect against back pain.

Nutrition Tip: Start preparing for the coming decades by making nutrient-dense food choices and including antioxidants. Sources of vitamin C: red and green pepper, citrus fruit, kiwi, broccoli, Brussels sprouts, strawberries and tomato juice. Vitamin E: almonds, sunflower oil, hazelnuts, peanut butter, and sunflower seeds. Other recommended antioxidants include beta-carotene (e.g., carrots, sweet potato, apricots, green vegetables) and selenium (e.g., Brazil nuts, tuna, shrimp, turkey).

In your 50s

At 50, though you might have accumulated a few injuries or receive reminders of chronical conditions from time to time, often, telling yourself that “you’re over the hill” may hurt you more than the training you are missing. Leisurely pursuits are wonderful, but it will not be sufficient if you don’t break a sweat. Generally, when people include high-intensity interval training, their cardio health remains high. However, consult your doctor before starting a demanding routine and allow for more recovery time between workouts. Listen to your body; some may opt for high-intensity interval training only once a week vs. multiple times. Weight-bearing exercises, such as fast walking (5 days a week), and resistance training – primarily for hips and shoulders – are recommended to improve bone density and slow the loss of lean body mass.

Nutrition Tip: women often benefit from calcium intake of 1,200 mg a day. After 50 both genders should supplement with vitamin B12 (supports production red blood cells, nerves and DNA) and vitamin D. With age our capacity to produce vitamin D through sun exposure decreases. The official recommended dietary allowance for vitamin D of from 600 IU increases to 800 IU (in your 70s), though many experts recommend an intake 1,000 to 2,000 IU each day after 50.

In your 60s

Maintaining a high level of physical activity can help prevent several types of cancers and post-menopausal conditions. It helps reducing the risk of developing chronic conditions, such as heart disease and type 2 diabetes. Do what you can to maintain your physical condition and independence. Keep a routine of brisk walking a few times a week (or mix it up with swimming), attend a Pilates and/or Yoga class (1-2 times a week), and aim to squeeze a few bodyweight exercises in between (e.g. sit-ups, push-ups, or wall sits). Taking up social activities like ballroom or Zumba dancing can be physically beneficial and a lot of fun.

In your 70s

If your health allows, you can continue with strength and balance training, hiking, cardio, or slightly lower-impact activities — as long as you pace yourself, monitor your body response, and adjust accordingly. If you suffer from any chronical conditions consult with a physiotherapist or other exercise professional first. During and after our 70s, exercise supports our cognitive function (why not take up Tai Chi?) and helps prevent falls.

In your 80s, 90s and beyond

Any activity you consistently do will benefit your body and mind. By now, while almost everyone has physical limitations and aches, too much rest may do more harm than good and can lead to loss of strength and endurance or weaken your cardiovascular system. Resistance and balance training are crucial to reduce fall risk and guided weight training may reduce the need for walkers and the likelihood of cognitive decline and Alzheimer’s. Your muscles, joints, and entire body remain adaptable so find an activity you enjoy without risking injury and stick to it – you’d be surprised at the results!

Do not forget to take the time to stretch and decompress after exercising at any age, adapt your nutritional intake to match your needs as you grow older, and from your 20s to any later stage of your life be aware of harmful little habits we tend to pick up along the way, try to shake them off and maintain a healthy lifestyle simply by following moderation.

Maximizing Your Estate’s Benefits While Easing The Burden On Your Loved Ones

Your savings, possessions and property form your estate. Estate planning allows you to decide in advance who receives what, and to establish a financial plan to minimize taxes upon your death. An important part of estate planning includes funeral and burial instructions and your wishes regarding medical interventions.

Estate planning is the best strategy to ensure your wishes are followed at the time of your death. Having an estate plan will streamline the process, possibly reduce legal costs, and ease the burden on your survivors.

In Canada there are no “estate taxes” – taxes owed on the entire value of an estate. However, your estate may be subject to probate and income taxes. Taxes and other expenses are paid out of your estate, reducing the amount available to pay to your heirs. All expenses must be paid prior to disbursing to the heirs.

Wills

A Will is a formal legal document detailing how you wish your assets and possessions to be distributed upon your death. It legally guarantees that your savings, individual items and property are given to people and organizations of your choosing. It also allows you to choose the person(s) who will care for your dependents and pets.

In preparing a Will you will decide who will act as executor of your estate. This can be one or more relatives or friends. Who you choose is important as he/she will be responsible for settling the estate and, once all expenses and taxes have been paid, distributing the balance of the estate to the beneficiaries in accordance with your wishes as outlined in the Will. It is sometimes wise to choose at least one younger person to act as executor of your estate to ensure that he/she will be alive when you pass away. Also, choose a person or people who live in Canada, because having a non-resident executor can create problems and additional tax burdens.

You can modify your Will at any time should circumstances change for you or for those mentioned in your will. A change in marital status, grown children, or death of a beneficiary or executor are good reasons to review and update your Will.

Dying without a Will leaves your possessions to be divided according to a pre-set formula according to province. Without a Will, your estate will be automatically transferred to your closest relatives, while friends, charities, and organizations will be excluded.

Having your Will prepared by a notary or lawyer is recommended. Once completed the document will be registered with the Chambre des Notaires and Barreau du Quebec or the law society of your province and becomes an official legal document. This ensures the document is indeed the last official Will and mistake-free and helps avoid delays and procedural costs – not to mention stress – that would be imposed on the executor(so) of your estate. It is important to provide details of your wishes when preparing your will. However, do not put in the specifics of your funeral or burial in the Will because in most cases, the Will is opened and read only after the funeral. Keep those instructions in a safe place and be sure to let the executor(s) know the location.

Keep all information regarding organ donation separate and make sure your close family and friends are aware of your wishes. Some detailed instructions regarding specific furniture or jewellery etc. can be written separately to the official will in what is known as a memorandum or codicil.

Probate

A Will is validated through a process called probate. The goal of submitting a Will to probate court is to ensure that the document is indeed the true Last Will and Testament and to confirm the executer and their ability to perform their duties.

The courts can resolve possible confusion between multiple documents and respond to any concerns regarding the legitimacy of a document (during Probate a Will can be challenged).

In Quebec, a notarial Will does not require probate.

Once the courts have accepted the Will and the appointment of the Executor, they will issue a document that officially appoints the executor as the estate administrator. It is important to be aware that once a Will has been probated it becomes a public legal document and can be viewed by anyone who applies for it at the probate courts.

What property can be transferred without probate?

In all provinces except Quebec, probate fees (sometimes called administration tax or probate tax) vary from province to province but are mostly calculated based on the total value of the “estate”. Consequently, it is important to understand what is considered part of your estate, and what is not.

Joint accounts with a right of survivorship, and financial accounts that already include beneficiary designations are not part of your estate (e.g. life insurance policies, registered savings accounts like RRSP’s or TFSA with named beneficiaries). Planning ahead can reduce probate fees.

Power of Attorney (POA)

A Power of Attorney document grants one or more people with the authority to make decisions for you regarding your bank accounts, payment of bills and other finances, property and other responsibilities in the event you are not available because of travel, hospitalization or other reasons. The terms of a Power of Attorney document are flexible. You set the conditions under which it begins and ends, and you can limit its authority to a specific asset or account.

A Power of Attorney will be completed by a lawyer or notary. Once completed, the document will be registered with the Chambre des Notaires/Barreau du Quebec or the law society of your province and becomes an official legal document. The Power of Attorney will provide you with peace of mind in the event of accident or other emergency where you are not able to take care of your day to day obligations.

Living Will (Mandate in Quebec)

A Living Will (in Quebec known as a Mandate) is a set of instructions that define your medical wishes should you become physically or mentally incapacitated. In Quebec, it also replaces the Power of Attorney, which loses its legal power. The document guides how medical professionals respond in the event you require medical interventions like life-support, tube feeding, or resuscitation. It can also include instructions regarding organ donation. You will designate a person(s) to ensure your wishes are followed or to make last minute decisions on your behalf.

This person can be one or more of the executors of your Will or other people that you choose. When possible, it is wise to choose a person or people who live nearby and would be close at hand. A Living Will (Mandate) will be completed by a lawyer or notary.   Once completed, the document will be registered with the Chambre des Notaires/Barreau du Quebec or the law society of your province and becomes an official legal document.

Estate Planning

Challenging Times Are Calling for A Trusted Partner

At Rothenberg Capital Management, we are proud and grateful for the trust our clients put in us. We believe there are many reasons that we have earned their trust and would like to share them with you, particularly during these trying times.

Rothenberg Capital management is an independent Level II Introducing Stockbroker. We offer sound and unbiased advice. Our paramount concern is to help our clients achieve their long-term objectives. Our success is firmly rooted in the over 5,000 very satisfied and loyal clients across Canada.

Our approach is focused on a personalized overview of the client’s needs, their stage of life and most importantly, their comfort zone.

All our advisors have successfully completed the Canadian Securities Course and most also have university degrees in business or economics. Many have the coveted Chartered Financial Analyst (CFA) and Chartered Investment Manager (CIM) designations.

We are a member of the Investment Industry Regulatory Organization of Canada (IIROC) and covered under the regulators insurer known as the Canadian Investor Protection Funds (CIPF). Each client account is therefore covered up to $1 million. The firm we use for our back-office, NBIN, is covered by the same insurer. We receive regular independent audits by IIROC as well as external auditors.

Our sister company, Rothenberg & Rothenberg, is an Independent GIC Broker, representing more than 30 banks and trusts across Canada. We also operate an insurance brokerage division which represents multiple insurance companies.

We have access to almost all the financial products available in Canada. But because they are not our products, we are unbiased and want only to recommend what is in our clients’ best interest.

We keep clients well-informed about the progress toward their financial goals. Besides sending statements regularly, our advisors meet with clients often to assess performance, hear about life events that may change the client’s needs, reevaluate recommendations, and update their portfolio. We accompany our clients through everything life may throw at them, especially now during these turbulent times!

Help During Volatile Times

Speaking about your concerns with a Wealth Management Advisor that already took the time to get to know you, your risk tolerance and personal needs, can be a real asset. Such an advisor is fully aware of your situation and can properly assess the potential risks in your specific scenario. In some instances, they will counsel you to do nothing and stay the course. In other cases, they will be able to provide you with suggestions of investments and adaptations that will be beneficial in a down market. In every case they are there to answer your questions and provide you with an overview of the current market situation. Historical data, good research, and a good advisor’s guidance are on your side!

We believe that our conservative approach to investing, our care for clients, and our proven expertise all have a lot to do with our excellent reputation over the last 40 years.

If you have concerns or questions, please do not hesitate to reach out to your Wealth Management Advisor. If any of your friends or relatives are concerned about their investments, feel free to have them contact us as well.

We are here for you: 514-934-0586 

 

COVID-19 Update From Rothenberg Capital Management

The news and impact of the COVID-19 CoronaVirus is changing at a rapid pace. For over 40 years the Rothenberg Capital Management team has guided our clients through uncertain times.

The health and safety of our employees and all our clients is of paramount importance to us.  As a result our offices are operating with the employees working from their homes.  While our Associates are home with their loved ones we will support them with pay as well as look for other ways we might ease their concerns and show our appreciation for all they do for The Rothenberg Group.

You can contact your Advisor by calling 514-934-0586 and he/she will serve you with the same promptness and professionalism as if they were in their office.

You are predominately invested in quality portfolios holding a mix of government and corporate bonds and quality dividend paying companies.   What were sound good companies yesterday will be sound good companies tomorrow.

We can expect the volatility to continue but in the interim, here are a few suggestions for you:

  1. No hasty decisions: when markets are volatile investors can be tempted to liquidate their assets. Historically, this volatility will not last forever and markets recover. The best course of action is to focus on the long term.
  2. Avoid timing markets: Your Wealth Management Advisor’s disciplined approach will help to keep a cool head and avoid ‘panic selling’ and then the sudden ‘panic buying’ when the markets recover.
  3. Take advantage of volatility: As mentioned earlier, most often, what were sound good companies yesterday will be sound good companies tomorrow.

If you have concerns or questions, please do not hesitate to reach out to your Advisor.  If any of your friends or relatives are concerned about their investments, feel free to have them contact us as well.

We are here for you.

The Rothenberg Capital Management Team

Contact Us

Let us know how we can assist you.

Our Offices

Westmount Head Office
Montreal – West Island
Montreal – South Shore
Calgary

Westmount Head Office

Address
4420 St. Catherine Street W
Westmount, Quebec H3Z 1R2 Canada
Telephone
514-934-0586
Telephone
1-800-811-0527

Montreal – West Island

Address
6500 Trans Canada, Suite #140
Pointe-Claire, Quebec H9R 0A5 Canada
Telephone
514-697-0035
Telephone
1-800-811-0527

Montreal – South Shore

Address
4605 Boulevard Lapinière, Block B (Floor 3)
Brossard, Quebec J4Z 3T5
Telephone
450-321-0001
Telephone
1-800-811-0527

Calgary

Address
1333 8th Street SW, Suite 302
Calgary, Alberta T2R 1M6 Canada
Telephone
403-228-2378
Telephone
1-800-456-0949