The banks are increasingly picky every year. There is a good chance you are getting the very minimum viable product out of them - nothing fancy, personalized, and definitely not the best use of your money.

They’re just not into you

If you have less than $500,000 to invest, your bank isn’t interes...

 Invest in your happiness.

I am a financial advisor who could be significantly further ahead financially than I am now.

Part of that is because I am an entrepreneur who has invested a LOT of money into creating my career, but the other part is because I spend a lot.

Life is short; we are not here...

Am I throwing money away every month?

If you own term life insurance, you may think you are wasting money every month. It’s not worth anything if you don’t die, so it’s got to be a waste, right? No.

To understand why it is not a waste, you need to understand that you aren’t insuring your life - yo...

When you hear a strange noise coming from your car, do you:

1. Drive straight to the mechanic
2. Take it home to do some diagnostics on your own
3. Turn up the music and pretend it never happened

If you answered c, I’m curious if you deal with your finances the same way. Do you take the ‘ignorance is...

Be honest, when’s the last time you slowed down?

Hear me out. Maybe you started your business 15 years ago with a couple of shovels and a beat-up truck, a laptop and a dream, or using your kitchen as Grand Central for your shipping operations. Although it still might feel like you’re just ‘getting ...

If you’ve got kids in high school, you might have had the following conversation around the dinner table, or on the drive to hockey practice:

Your kiddo: “The (really far away) University of  XYZ was at my school today and I think I might want to go there when I graduate.”

You: A few moments of ...

Dying is an unpleasant thing to think about. It’s also inevitable. None of us are getting out alive. Selling life insurance is almost as awful. There are few products on earth as universally despised as life insurance. No one likes to buy it, no one likes to talk about it, and everyone thinks it'...

To a person, all of my retired clients start with this goal: 'I do not want to be a financial burden.'  Sure, it is worded differently or coded as, 'Will we have enough?', but most people want the same thing - to be able to take care of themselves financially. 

Here is how to do that...

Retire Deb...

Financial planning is NOT...

A good financial plan is not a giant document filled with 50+ pages of charts, graphs, asset mixes, and predictions of inflation 40 years from now.

It is NOT a ‘road map to success.’ 

And it is almost guaranteed to NOT come true!

Wait, what?

Financial planning IS...

As a financial advisor, I am compensated by charging my clients a percentage of their assets under management – the value of all of their accounts that I help manage.

In most cases, you can save about 1% by not using me. There are dozens of investment options out there that are very VERY cheap! Ema...

There is an investment firm in Calgary called Mawer Investments and they are VERY good at what they do.

The company's slogan is 'Be Boring. Make Money' and that resonates with me at my core! Having been through a fair share of market dips in my 11ish year career, I LOVE boring (and you should ...

Life insurance is always more expensive tomorrow than it is today! You can buy your newborn an awesome policy that will change their financial stars forever for less than maxing out their RESP costs.

There is no physical; applying is easy, and it is a GREAT way to divert grandparents’ spending...