Life Transitions & Planning
Life Planning for Two Countdowns
[Life Expectancy vs. Health Expectancy] When most people plan for retirement, they focus on one question: How long will my money need to last? It’s the right question. But there’s a second one that often matters just as much — and gets far less attention. How long will I be healthy enough to enjoy it?…
Guiding Through Life’s Transitions: Announcing My CFDS Designation
Divorce is one of life’s most difficult transitions — emotionally, personally, and financially. Having guided families through life’s many milestones, I’ve often seen how uncertainty about the financial impact of separation can add an extra layer of stress during an already challenging time. That’s why I’m proud to share that I’ve earned the Chartered Financial…
Your Role as a River Keeper : Responsible Stewardship of Your Family’s Wealth
How do you think of your wealth? Do you see it as a dollar value on a screen or something alive and evolving over time. I encourage clients to think of their wealth as a river – flowing, dynamic, and shaped by generations. Your river may have begun long before you were born, fed by…
Raising Financially Literate Children: A Lifelong Journey
As parents, one of our most impactful roles is preparing our children for the realities of adulthood, and financial literacy is a cornerstone of that preparation. Understanding how to manage money is a skill that can help children achieve their goals, avoid financial pitfalls, and develop independence. However, teaching these concepts often raises questions about…
Turning Dreams into Reality
From buying a vacation home to retiring abroad, your dreams start with the creation of a solid plan. A well-crafted financial plan not only sets clear goals but also creates actionable savings, investment, and tax strategies to help you reach them. As life evolves and new milestones are reached, your goals may change, which is…
Always Have a Plan but Plan for Change Too
Our lives are rarely static for long periods of time. Change can occur due to outside forces that we can not control or it can occur from a direct choice that we have made so if you continually expect change to occur frequently in your life then it will be less surprising when it occurs.…
Are You Ready for the Next Wave of Retirement, and I Don’t Mean Your Own…
The Baby Boomer generation, classified as anyone born between 1946 and 1964, will be as old as 76 and as young as 58 years old in 2022. According to Statistics Canada, about 5,000 baby boomers are retiring every week and this is going to mean big changes for Canada’s labour market but what does this…
Don’t Be An Ostrich
— wp:paragraph –> It’s actually a fallacy that ostrich’s bury their head in the ground but have you ever had a problem in your life that you try to avoid at all costs so you just choose to ignore it? We all do it and we all know that it usually makes the problem worse…
R.E.S.P
No, I’m not starting to sing Aretha Franklin’s hit song, RESPECT, but I have to admit, even as a financial planning professional, RESPs are one of the most confusing investment products in Canada. I find that people have a basic knowledge of them but they may not know how to ensure that they are fully…
Let’s Play a Game
You have two choices, I’ll give you $1,000,000 today or I’ll give you a magic penny that doubles in value every day for one month. Which would you choose? As of March 2021, Warren Buffett was ranked 6th on Forbes’ List of the Richest People In the World, with a net worth of $96 billion…
CPP / OAS : To Delay or Not to Delay – That is the Question
The Canadian Pension Plan (CPP) is one of the retirement income cornerstones for many Canadians. Every year that you are working, regardless of whether you know it or not, if you earn more than the annual basic exemption income amount ($3,500 in 2021) then you must contribute to the CPP. If you are employed then…
Finance RX 