A pie chart of an investment portfolio. There is a 7% "wedge" that is held in cash.

#Retirement #income strategy is about aligning personality with process. Whether you prefer cash wedges or a total return approach, understanding the philosophy behind each is valuable.
Here’s my take in my latest #MoneyArchitect blog post: moneyarchitect.ca/do-you-reall... #PFCan

An image with the caption "RRIF Withholding." Beneath it is a padlock with a % sign above a stylized cheque.

RRIF withholding isn’t a penalty; it’s a planning tool.

In my latest #MoneyArchitect blog post, I discuss RRIF withholding, the different approaches you can take, and why total retirement income should guide your decision. #PFCan moneyarchitect.ca/how-much-tax...

A man walking on a rope across a canyon. This is an example of risk. However, he has taken steps to limit his risk in case he falls by tying himself loosely to the rope.

When markets rise, it’s easy to “let your winners run.” But when volatility returns, confidence fades. My latest #MoneyArchitect blog post explores how disciplined #rebalancing helps manage #risk in #investing.
Read more at: moneyarchitect.ca/risk-managem...
#adviceonly #financialplanning #PFCan

An empty chair at the end of a dock, representing a deceased cottage owner and the tax and estate implications when leaving a cottage and an RRSP to one's beneficiaries.

CTV called it a Consumer Alert when a daughter faced a $660K tax bill after both parents died in the same year.

This wasn’t a scam; it was just Canada’s tax rules.

In my latest #MoneyArchitect blog, I review what happened and how families can plan ahead:
moneyarchitect.ca/this-is-not-... #PFCan

This is the text of the image, a quotation from Rabindranath Tagore: "The one who plants trees knowing that he will never sit in their shade, has at least started to understand the meaning of life."

#Stewardship isn’t just for the wealthy. Even on minimum wage, there are ways to steward what you have: benefits, tax tools, generosity of time and action. Read my latest #MoneyArchitect blog post for more: moneyarchitect.ca/personal-fin... #adviceonly #FinancialPlanning #PFCan

Fraternal twins Christopher and Ashley, who have very different approaches to saving for retirement.

Why do some investors embrace #high-income ETFs while others stay committed to #totalreturn? In my latest #MoneyArchitect blog post, I explore this question through the story of Christopher and Ashley—twins with diverging paths and philosophies. #PFCan
moneyarchitect.ca/twins-at-the...

Daniel, a UI/UX designer at a company in Calgary, AB, shown at work. He wonders whether he should keep his current allocation to U.S. equities given the recent actions of President Trump against the Canadian economy.

Daniel is thoughtful about where he puts his money. With Trump back in the headlines, he's wondering: should he keep investing in the U.S.? My new #MoneyArchitect blog post explores how politics and #investing intersect. #PFCan moneyarchitect.ca/should-i-inv...

A middle-aged man Canadian man looking at his laptop and considering the option of whether to add alternatives and commodities to his investment portfolio.

#Alternatives. #Commodities. #RealAssets. If you’re wondering whether these asset classes belong in your RRSP or TFSA, my latest #MoneyArchitect blog post breaks down what they are and why they’re gaining attention. moneyarchitect.ca/should-you-a... #adviceonly #financialplanning #PFCan

Karen, a lower-income earner in Mission, BC, and MIchael & Sarah, an upper-middle-income earner couple in Stratford, ON.

We often hear “Max your #RRSP!" But is that always the best move?

In my new #MoneyArchitect blog post, I look at Karen and Michael & Sarah to explore who benefits most from RRSPs, and who might want to rethink them.

moneyarchitect.ca/should-you-m...

#AdviceOnly #FinancialPlanning #PFCan

A senior is looking at his laptop, stressing over the state of his investment portfolio following the recent market turbulence.

Recent market volatility might have you questioning everything. In my latest #MoneyArchitect blog post, I explore how to stress-test your #InvestmentPlan, stay grounded in your goals, and avoid emotional traps. moneyarchitect.ca/how-investor... #AdviceOnly #FinancialPlanning #PFCan

#RRSP season has arrived. For many Canadians, that means last-minute contributions, even taking out a loan to do so. There is a better way. In my latest #MoneyArchitect blog post, I encourage ways to make consistent, automated RRSP contributions. Read more here: moneyarchitect.ca/rrsp-season-...

Many think #taxplanning is for later in life, but starting early saves money. Whether you're a student, newly employed, or married, understanding taxes helps. My latest #MoneyArchitect blog post breaks down some #GenZ tax strategies: moneyarchitect.ca/tax-planning... #adviceonly #financialplanning