The Power of Slow: Building Wealth Takes Time “It took 20 years to make an overnight success.”— Eddie Cantor, Broadway Star In both life and investing, meaningful achievements rarely happen overnight. From towering sequoias to majestic mountains, some of the...

The Strategic Role of Insurance in High-Net-Worth Planning For high-net-worth (HNW) investors, insurance can play a far more strategic role than simply providing protection. With greater wealth comes more complex structures, broader objectives and, often, a desire to...

Estate Planning: Five Estate Executor Mistakes Administering an estate can be a time-consuming and complex task, often made more challenging by emotionally difficult circumstances. All too often, executors can make mistakes that have the potential to lead to increased...

In Brief: What Is the “K-Shaped” Economy? The eleventh letter of the alphabet has taken on new meaning. The letter “K” is now used to describe the bifurcation in today’s economy. Different consumer segments and the businesses that serve them are growing at different...

Equity Market Perspectives: Growth Is Expected to Continue After equity markets continued to reach new highs in 2025, there have been renewed concerns about elevated valuations. Are stock prices outpacing underlying fundamentals, or is there still room to run? Many...

The End of an Era—and to New Beginnings It is the end of an era: after 60 years at the helm, one of the world’s most closely watched investors has stepped down as CEO. Very few people stay in one role for six decades. For context, the median tenure with a single...

For 2026: Make Estate Planning a Priority Happy 2026! If improving your financial well-being is on your list of New Year’s resolutions, a great place to start is with your estate plan. A comprehensive plan ensures your assets are distributed according to your wishes,...

The RRSP: Why Are We Falling Short? Debunking Two Myths While many of us are unhappy about the high taxes we pay, one way to ease the burden is by fully using tax-advantaged accounts. Yet RRSP participation rates have declined over the past two decades, from 29.1...

Budget 2025: “Generational Capital Investments to Build Canada Strong” Canada’s 2025 federal budget, delivered on November 4th instead of the usual spring release, marks a shift toward what Prime Minister Carney calls a “generational” investment in the country’s...

Reminders for a New Year: Risk Tolerance Shouldn’t Change With Markets One of the questions we’ve/I’ve had from clients during the prolonged bull market is: how often should I change my risk tolerance?The answer: Not often. Risk tolerance is the personal comfort level...

After Death or Divorce — Six Considerations for Survivors The loss of a spouse—whether through death or divorce—can be one of the most difficult and life-altering experiences. Both situations may bring similar emotions: grief, fear of uncertainty and feelings of being...

Succession Planning — What Is Your Business Worth? Warren Buffett is leaving the building. After almost six decades at the helm of Berkshire Hathaway, Buffett announced earlier this year that he will step down as CEO at the end of the year. Buffett’s departure doesn’t...

The Mechanics Behind the Cascading Life Insurance Strategy When it comes to preserving family wealth, many affluent Canadians face a familiar challenge: How do I pass assets along to future generations in a tax-efficient way? In the past ,I’ve/we’ve discussed various...

Eight Tax-Smart Ways to Access Your RRIF Withdrawals As the year draws to a close, many retirees turn their attention to mandatory Registered Retirement Income Fund (RRIF) withdrawals. This year, there is added anticipation about whether the Federal government will...

On the Rising Cost of Education If you’ve eaten fast food recently, you may be surprised by the bill. Thirty years ago, a Big Mac hamburger cost around $2. Today, it is almost four times the price. Over the same period, average family income has risen by 162 percent,...

In Brief: Tax Planning Before Year-End Despite rising living costs, the share of income spent on necessities has declined. In 1976, households spent about 43 percent of their income on shelter, food and clothing. Today, this is around 35 percent. What has risen is the...

At a Glance: Perspectives on the Big Tech Bull Market After a summer of considerable market enthusiasm surrounding artificial intelligence (AI), it’s worth taking a step back Why does AI seem to be advancing so quickly? While it may feel like a recent phenomenon, its...

Markets rarely linger in equilibrium. The pendulum of sentiment swings between fear and greed, and this year has been no exception. After April’s lows, the S&P surged over 30 percent in just two months, one of the fastest rallies in recent history, while the TSX...

 In this episode of Smokin’ Bulls, Dave and Tyler break down the latest **Market Insights newsletter** by **Dr. Jim Thorne**, Chief Market Strategist at Wellington-Altus. We dive deep into the idea of the **“peace dividend”**, explore the **AI and crypto-driven bull...

Owning assets jointly has grown in popularity—with spouses, and now more frequently between parents and children. While there may be benefits, be aware of the potential pitfalls prior to transferring assets into joint ownership. Joint ownership occurs when an asset is...

Which generation is more likely to fall for online scams? The answer may surprise you. Despite growing up immersed in digital technology since birth, younger generations—often called “digital natives”—are statistically more likely to fall victim to online fraud.1 This...

Supporting a Home Purchase? Five Questions to Ask Without a doubt, home ownership has become increasingly out of reach for younger generations (chart, bottom right). Canadian home prices have risen faster than in any other G7 country—nearly quadrupling over 40 years...

OAS Timing Matters — Even for HNW Investors If you’re nearing retirement, deciding when to start Old Age Security (OAS) benefits should be a consideration. OAS is sometimes overlooked by high-net-worth (HNW) investors for the following reasons: Modest benefit — The...