Our latest insights on what matters.

Bryan shares why “17 to Millionaire” is a great read for anyone looking to build financial confidence and create smart money habits early.

Thinking of making a large charitable donation? Learn how giving securities ‘in kind’ can maximize your impact and save on taxes. Bryan explains how this simple strategy can make your gift go further.

Bryan discusses the importance of financial planning and agrees with Dwight Eisenhower in that “plans are useless, but planning is indispensable.

Bryan takes stock of the current situation and offers some thoughts and advice.

Holding quality investments is just as important as never holding the bad ones. Using a real life example, Bryan talks about how easy it is to get seduced by the latest craze – and watch your capital evaporate.

Bryan discusses the rules, restrictions and options when converting your RRSP to a RRIF.

Over the past few days, news out of the Middle East – particularly involving Iran – has pushed geopolitical risk back into the headlines. When events like this unfold, markets tend to react quickly. Volatility rises, investors shift toward safe-haven assets and energy prices often move higher. None of that is unusual. Markets dislike uncertainty […]

Every market cycle there seems to be a financial foil.  We’ve had the Dot.Com Delusion, the Housing Crisis Hydra and the Pandemic Pause.   Today, the boogeyman is the AI Illusion and its deficits are printed both inside and outside the financial media. Is it a bubble?  We don’t know.  We’ll only know in hindsight. But, […]

Bryan takes stock of the current situation and offers some thoughts and advice.

It’s no exaggeration to say that discussions around Trump and tariffs have eclipsed even the weather and real estate. Every morning, as I check Bloomberg, I find the landscape of tariffs shifting—new tariffs, delays, exemptions, and retaliations—creating a roller coaster of uncertainty that leaves us, as investors and Canadians, feeling like we’re bracing for a […]

Bryan discusses how taxes can affect how, and if, we make investment changes.

Bryan explains the key differences between non-registered accounts and government-sponsored accounts like TFSAs and RRSPs and highlights the challenges many individuals face in adapting to them.

In this video, Bryan discusses how Democratic and Republican administrations have influenced the markets over time.

Holding quality investments is just as important as never holding the bad ones. Using a real life example, Bryan talks about how easy it is to get seduced by the latest craze – and watch your capital evaporate.

Bryan describes the 3 steps all investors follow when investing Some with positive outcomes. Others with negative ones.

How Much Do You Need to Retire? Why The 4% Rule Is Only a Starting Point The 4% rule is a helpful starting point as you prepare for retirement. But having confidence in whether you are truly ready to retire requires a much broader look at income, taxes, spending, markets, and family goals. KEY TAKEAWAY […]

We recently hosted an educational webinar on the Canada Pension Plan (CPP) – with Michelle Munro, Director of Tax and Retirement Planning at Fidelity Investments – explaining how it works and the key factors to consider on when to start taking it. Below we have summarized some of the key points from the presentation. If […]

We recently had a great session on navigating aging and elder care planning, led by Jeanette Bock—a certified professional consultant on aging and member of the Elder Care Society of Canada. With over 10 years of experience in the field, including roles in retirement living, home care, and now running her own elder care planning […]

3 Overlooked Aspects to Financial Planning There are important dimensions to a retirement income plan that people often overlook.  These oversights may put people in financial harm’s way. Below are 3 planning aspects that aren’t usually considered. Meet Alan & Dawn Throughout this discussion I’ll be referring to a fictitious client couple called Alan and […]

For most of us, the greatest lifetime expense we’ll have is income tax.  My aim is for you to pay the least amount of tax over your lifetime – not necessarily in any given tax year.  This can mean withdrawing extra funds from a RRIF or triggering capital gains when you may not need the […]

One of the most important tasks facing any prospective retiree is determining how much money they can take out each year with confidence that they won’t run out of it.  This is called the withdrawal rate and is expressed as the percentage of funds coming out of the savings pool in any year.  If someone […]

In Retirement: Is It Better to Own or Rent? Downsizing the family home into something more manageable is often an option when considering retirement. This decision can be financially or practically driven, or a mix of both. Renting can feel a little foreign considering the substantial rise in values over the years and our natural […]

I wanted to bring a development to your attention around the U.S. dividend-paying stocks you hold. Recently, the U.S. government has been considering a new provision under Section 899 of the proposed U.S. budget bill—a measure sometimes referred to as Trump’s “Big Beautiful Bill.” This provision could lead to an increase in the withholding tax […]

Bryan discusses how taxes can affect how, and if, we make investment changes.

Bryan explains the key differences between non-registered accounts and government-sponsored accounts like TFSAs and RRSPs and highlights the challenges many individuals face in adapting to them.

Bryan discusses the rules, restrictions and options when converting your RRSP to a RRIF.

Generally, we think about our taxes in March and April when our ability to affect them has long passed.  Below are 7 tax tips that you may want to consider before the end of the year. 1. Triggering Taxable Income:  If your taxable income was unusually low compared to normal years you may want to […]

We all live off net or after-tax income.  It is what rests in our wallets and purses that pays the bills and puts food in our bellies.  Ok – that makes sense but is there a way to structure our investments to maximize our net result?  The quick answer: absolutely. We need to consider that: […]

Thinking of making a large charitable donation? Learn how giving securities ‘in kind’ can maximize your impact and save on taxes. Bryan explains how this simple strategy can make your gift go further.

In this video, Bryan talks about how estate planning does not end with having your will drawn up. Creating a written inventory of all your financial relationships can greatly assist the life of your executor in understanding your complete financial picture. Watch and learn why.

Gifting to adult children is increasing on the minds of parents. In this video, Bryan runs through a series of questions parents should ask themselves before making any big decisions.

In this video, Bryan describes 4 distinct ways to financially support a charitable organization.

For most of us, the greatest lifetime expense we’ll have is income tax.  My aim is for you to pay the least amount of tax over your lifetime – not necessarily in any given tax year.  This can mean withdrawing extra funds from a RRIF or triggering capital gains when you may not need the […]

People understand the importance of having a will, but many do not understand the need for a power of attorney, which is often an overlooked part of an estate plan. During this recent Wealth Matters webcast, Seth Nerman, Regional Vice-President, Wealth Planning at Assante Private Client, explained why everyone should have a power of attorney and […]