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Blue Collar Millionaires inheritance leaving money to kids multi-generational wealth retirement retirement planning tax Dec 04, 2024

People’s Perception of Themselves is Hard to Break

The most common scenario I run into with retired clients is that they have more money than they will ever need. They have earned, saved and lived within their means for so long, they don’t know any different.

But here is the problem...

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Take Fridays Off retirement retirement planning Jun 17, 2024

Someone reading this needs to give themselves permission to ‘take Fridays off.’ Is it you? 

Maybe it’s not a short work week, but an extra long vacation, or a start time of 10am and not feeling guilty about it. Can you give yourself permission to take the dog for a walk at...

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Retirement Spending Explained calgary money advice financial planning money management retirement retirement planning retirement savings Jun 06, 2024

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...

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Whatโ€™s Funding Your Retirement? budget retirement retirement planning retirement savings Jun 01, 2024

If your family is anything like mine, you’re spending money at breakneck speeds. It is truly impressive how quickly a monthly pay cheque can be eaten up by gymnastics dues, swim lessons, and the occasional wing night.

I’ve never felt so rich and so poor simultaneously.

The benefit I...

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Financial Fitness for Freelancers budget critical illness coverage disability insurance employment insurance financial planning money management retirement retirement planning May 25, 2024

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...

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I Don't Need to be Your Friend financial planning money management retirement planning savings May 15, 2024

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...

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Set Long Term Goals That You Truly Give a Shit About financial planning money management retirement retirement planning retirement savings Mar 19, 2024

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...

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Maui is Officially in My Financial Plan financial planning retirement retirement planning retirement savings savings Feb 27, 2024

Unattainable goals

Humpback whales are breaching in the background as I type this.

I have a steaming hot cup of black coffee, chill beats playing in the background, and the kids are eating cereal at the counter.

Our day will consist of bizarrely smooth and silky shaved ice, snorkeling with...

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Attention Entrepreneurs: Slow down for a minuteย  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...

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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......

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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?

 

...

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Forget Netflix and Chill, What's your Net-Net-Net Worth? financial advice financial planning net worth retirement planning Aug 28, 2021

(๐—”๐—ป๐˜†๐˜๐—ถ๐—บ๐—ฒ ๐˜„๐—ฒ ๐—ฐ๐—ฎ๐—ป ๐—ถ๐—ป๐—ฐ๐—ผ๐—ฟ๐—ฝ๐—ผ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ฎ ๐——๐—ฟ๐—ฎ๐—ธ๐—ฒ ๐—น๐˜†๐—ฟ๐—ถ๐—ฐ, ๐˜„๐—ฒ ๐—ฑ๐—ผ!)

Regardless of your age, your financial future is (reasonably) predictable. Your net worth is your financial scorecard. Having a high net worth does not make you a better person, nor necessarily does it mean you are happier, but it is a good...

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