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...

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...

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...

𝐃𝐢𝐬𝐜𝐥𝐚𝐢𝐦𝐞𝐫: 𝐈 𝐮𝐬𝐞 𝐭𝐡𝐞 𝐭𝐞𝐫𝐦 ‘𝐧𝐞𝐫𝐝’ 𝐫𝐞𝐬𝐩𝐞𝐜𝐭𝐟𝐮𝐥𝐥𝐲 𝐚𝐧𝐝 𝐞𝐧𝐝𝐞𝐚𝐫𝐢𝐧𝐠𝐥𝐲 𝐨𝐮𝐭 𝐨𝐟 𝐚𝐝𝐦𝐢𝐫𝐚𝐭𝐢𝐨𝐧.
 
To hire a team of CFAs, MBAs, and even PhD’s to manage your hard-earned retirement dollars, you need to only pay as little as 1% per year. I believe this is the wisest investment my clients could ever make.
 
How you ask...

Accounting is arguably as boring, if not more boring (or 10X more boring if you ask me) than investing and life insurance. It is so boring, that 'being an accountant' is my standard litmus test for the most boring job on earth 🤓

When I met the crew @truenorthaccounting my perception changed fo...

Guaranteed Investment Certificates (GICs) were wonderful investments back in the day.
 
However, they now kind-of, sort-of suck for 𝙢𝙤𝙨𝙩 (not all) investors.  They are tied to interest rates, and - as you probably know if you have gotten a mortgage, bought a car, or taken out a home equity loan, rates...

Almost everyone needs insurance - seriously!  **Almost** anyone...

The 4 situations where insurance is not necessary are:

𝟏. 𝑵𝒐 𝒐𝒏𝒆 𝒅𝒆𝒑𝒆𝒏𝒅𝒔 𝒐𝒏 𝒚𝒐𝒖 𝒇𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍𝒍𝒚.You do not have kids or other dependents that would have a tough time surviving financially if you were not around to help them.

Grieving the...

Yes! You can buy a Tesla, a swimming pool, or a collection of lawn figurines from the '80s online, why not life insurance?

We don't sell it online, but if you are comfortable doing everything electronically, I would recommend PolicyMe (www.policyme.com). I have never bought from them, but I ha...

The top 5 reasons why paying an advisor roughly 1% per year is worth it:

1️⃣ 𝙔𝙤𝙪 𝙬𝙤𝙣'𝙩 𝙢𝙖𝙠𝙚 𝙙𝙪𝙢𝙗 𝙙𝙚𝙘𝙞𝙨𝙞𝙤𝙣𝙨. When your rec hockey buddy tells you he's mortgaging his house to buy a penny stock or a cryptocurrency that you don't even understand, someone will be there to talk you down or at least thr...

The ultimate ‘ode to adulting’ is having an up-to-date will. There is nothing less exciting, nor less-fun to talk about with your partner, than getting a will. But here’s the thing, 100% of clients that I talk to acknowledge that they NEED a will ‼️

Here are 3 generally accepted reasons why ha...

Whenever asked for a book recommendation, this is my go to.

𝑰 𝒓𝒆-𝒓𝒆𝒂𝒅 𝒊𝒕 𝒆𝒗𝒆𝒓𝒚 6 𝒎𝒐𝒏𝒕𝒉𝒔 𝒐𝒓 𝒔𝒐 𝒃𝒆𝒄𝒂𝒖𝒔𝒆 𝒊𝒕'𝒔 𝒋𝒖𝒔𝒕 𝒔𝒐 𝒅𝒂𝒎𝒏 𝒈𝒐𝒐𝒅! @jamesclear , the author, clearly put a lot of time and effort into this book, it is the most complete piece on a self improvement theory that I’ve ever read - he did h...

*This is a post from 2019 warning about the risk of a recession on the horizon. The US Stock market is up almost 50% since then - FIFTY! I wrote this at the time because I was fielding questions about the imminent collapse. Here we are six waves of pandemic, world disorder and the Toronto Raptors ...