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The Northwood Perspective

Looking back to the Winter 2017 issue of The Northwood Perspective, a newsletter geared toward the interests of our clients, friends and colleagues.

Articles in this issue:

Chairman’s Message

Wealthholders face a world of unknowns that can play havoc with their plans and goals. Investment returns are unknown, tax laws and regulations change, black swans and global events are unpredictable, correlation among asset classes is a moving target, and surprises on the personal and family front are not uncommon. So how should families operate with this level of uncertainty?..

Using Emotional Intelligence to Benefit Family Conversations About Wealth

Families are faced with numerous distractions. Hectic schedules also conspire to make constructive conversations about wealth difficult to plan, let alone hold. Research tells us that talking about money can be a difficult and even painful proposition…

Tax Rates Have Risen Substantially for Ontario Taxpayers

The top federal tax rate raised from 29% to 33%. When viewed in conjunction with Ontario provincial tax rates, the top combined marginal tax rate on ordinary income increased to 53.5%…

What is a Reasonable Expected Rate of Return?

What return should an investor assume equities will provide? It is important to do this analysis on a regular basis since the market environment can change rapidly…

Read the Winter 2017 Issue

Tom McCullough

Tom McCullough is Chairman and CEO of Northwood Family Office, which looks after the investments and integrated financial affairs of wealthy families with $10 million or more. He teaches ‘The Management of Private Wealth’ in the MBA program at the University of Toronto’s Rotman School of Management, and is also co-author of the books, Family Wealth Management and Wealth of Wisdom: The Top 50 Questions Wealthy Families Ask.

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