Above is a graph of a typical retiree’s spending over time. It’s not scientific; it’s not derived from a famous study, but it is a trend that I have found to hold true with almost all retired clients.

Let me explain.

The upward slant

Life costs more every year. The 2023 word of the year: ‘in...

…or so I’ve been told.

People doing what I am doing charge up to $2,500 for what I give away for free.🤯

Is it worth $2,500? Yes, 100% it is. A proper financial plan will save some hundreds of thousands, even millions, of dollars over the years. 

I will drive to people’s Springbank houses at 8:30p...

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 find the cheapest possi...

Hey there, freelancers and gig economy warriors! 

A topic that hits close to home for many of us these days: managing our finances in the wild world of freelancing and inconsistent income. Below we dive into some strategies for those whose income is as consistent as the Southern Alberta weather (Ge...

We don’t need to be buddies for me to be the perfect Financial Planner for you. 

As Planners attempt to separate themselves from the herd and create a unique approach, a lot are taking it upon themselves to interject their life into yours fully. You know the, ‘I want to have REAL relationships with...

 I get it, baring your financial details can make you feel exposed and vulnerable, maybe even judged.

Giving someone access to your finances feels vulnerable, whether you have a little, a lot, or have no idea how much you have. Even (especially) with family and friends, sharing financial informatio...

What life are you planning for?

Northstar Goals

My dream as a future grandparent is to be able to drop what I am doing and help our girls with their kids any time they need it (or whenever I feel like it). It’s a “Northstar” type of goal for me; one that is guiding many of the decisions I’m making...

 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...

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 ...

I met Michelle on the internet, I can honestly say my first and only virtual friend!

She is a former CFO and current money coach. I messaged her randomly when I stumbled on one of her brilliant posts and the rest is history.

Her goal is simple, “to shrink the wealth gap between women and men”, and I'm...