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Scared to look at your finances? Jan 23, 2024

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...

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Attention Entrepreneurs: Slow down for a minute  calgary money advice critical illness coverage disability insurance financial planning life insurance retirement planning Jan 16, 2024

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 ...

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What do you mean, you’re going away to school?! education savings financial planning money management Jan 09, 2024

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 ...

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What Happens When You Die? estate planning financial planning insurance policy life insurance term insurance Jan 02, 2024

 

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'...

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Will We Have Enough? financial planning retirement retirement planning retirement savings savings Dec 19, 2023

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...

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What Financial Planning IS and is NOT financial planning retirement planning Dec 08, 2023

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...

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Why you want your investment advisor to charge a fee! fees financial advice investing investment returns Sep 23, 2022

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...

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The magic of mutual funds calgary money advice fees financial advice financial planning investing investment returns mutual funds Oct 20, 2021

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 ...

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Get your baby an insurance policy and change their life forever! life insurance life insurance policy resp Oct 14, 2021

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...

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Is my advisor robbing me blind? fees financial advice financial planning Oct 12, 2021

According to television ads, your financial advisor is a crook who's dead set on robbing you blind and leaving your family poor in retirement. 🥴

I have to hand it to the folks at @questrade, they have done a very good job of promoting their platform based on their fees being cheaper. I know th...

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The sun don't shine forever financial advice financial planning investing investment returns Oct 11, 2021

There is a correction in the market – even a recession – coming. I promise.⁣ ☝️

When, you ask? I have no clue and no one else does either – it's all speculation, but that's not the purpose of this note.⁣

Yes, you (and your portfolio) should be ready for the eventual recession, but more imp...

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Just don't mess up! financial advice financial planning Oct 10, 2021

Working with a (𝐠𝐨𝐨𝐝, 𝐡𝐨𝐧𝐞𝐬𝐭, 𝐫𝐞𝐚𝐥-𝐥𝐢𝐟𝐞) advisor won’t make you rich via hot stock tips or out-of-this-world returns. Investment selection is a small piece of what we do, but it is by no means where you get all of your value from.

Let me explain:

𝐒𝐀𝐕𝐈𝐍𝐆: working with an advisor, you will s...

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