An overwhelming portion of Canadians do not need whole life insurance. It’s expensive, complicated, and more difficult to apply for than its more approachable peer, term life insurance.

But for those who need it, boy is it a wonderful wealth building tool!

First, Term Insurance

Term insurance ...

When you buy an investment and the value of that investment goes up over time, you are going to pay tax on it. There's no way around it. I don’t care if it is a stock, a piece of artwork, shares in your own business, or a 10-unit commercial building, the tax man will cometh, eventually.

Exceptio...

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 in a faraway land, or because ...

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...

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...

Why do you save money? No, but really…why?

Don’t give me a surface level answer.

I work with a professional to help me write these blogs, my social media posts, and even my strategic business marketing stuff. She is a high level thinker, not just a ‘doer’ - she challenges me.

We met a few weeks a...

 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...

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 colour...

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 just ‘getting ...