It’s becoming nearly impossible for investment managers to beat the public markets. We call this ‘alpha;’ the difference between what your investment manager is getting you from a return and what the general market is getting.

So why even bother with an advisor? Why not just...

This should not be a controversial take, but it is: 

You should not care what ‘the markets’ are doing.  

Focus on you and your plan.

The market is not a logical place

Stock markets are notoriously irrational places; they can go up or down based on a tweet, a war...

 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...

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...

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...

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,...

*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...

Mutual funds get a bad rep! Commercials tell you that their fees are crazy high, their performance sucks, and you can do it better with ‘XYZ’. I disagree

Here is why

1. 𝐓𝐡𝐞𝐫𝐞 𝐚𝐫𝐞 𝐠𝐨𝐨𝐝 𝐚𝐧𝐝 𝐛𝐚𝐝 𝐟𝐮𝐧𝐝𝐬. Just like baseball teams, wine, and car seats – some are good, some are...

You don't need to pay an advisor to help you invest if:

YOU ARE WICKED SMART! 3 people in my life come to mind, I don’t bother considering them ‘prospects’ because they're 10x smarter than I am. I go to them with my questions about the market! Ha!

YOU ARE A PASSIVE...

First, we determine how much you spend; without knowing what your ideal quality of life now looks like, it’s impossible to predict the future.

Next, how many years until you retire? What will your life cost you at that point?

𝗛𝗼𝘄 𝗺𝗮𝗻𝘆 𝘆𝗲𝗮𝗿𝘀 𝘄𝗶𝗹𝗹 𝘆𝗼𝘂 𝗹𝗶𝘃𝗲? No crystal balls here, but we...