Finding a financial planner can feel harder than it should Most people do not wake up excited to search for a financial planner. They usually start looking because something has changed. Retirement is getting closer. A business is growing. A corporation has too much cash. A pension needs to be understood. A parent passed away. […]
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Markets will fall. The question is whether you planned for it. There are very few guarantees in investing. But here is one: at some point, your portfolio will go down. That is not pessimism. That is normal market behaviour. For someone still working, a market drop may be uncomfortable, but it usually does not affect
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For corporation owners in Canada, investing can get complicated quickly. You may have retained earnings in your company. You may have RRSPs, TFSAs, non-registered accounts, corporate investment accounts, holding companies, insurance strategies, and a growing list of “opportunities” being presented to you. And as your business grows, people may start to assume your investment strategy
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AI is changing the market. Should investors be worried? AI has become one of the biggest conversations in investing. Some investors look at the market and think, “This is too expensive.” Others look at AI and think, “This could change everything.” Both can be true. The U.S. stock market has become heavily influenced by large
AI, Expensive Markets, and Why Ownership Still Matters Read More »
High income is not the same thing as wealth There is a strange thing that happens when people talk about high earners. They assume the problem is solved. If someone makes $400,000 a year, the assumption is usually, “Well, they must be fine.” Maybe. But not always. A high income creates opportunity. It gives you
Budgeting on $400K: Why High Income Doesn’t Equal Wealth Read More »
Summary In Episode 13 of the Plain English Finance Podcast, Tré and Sierra walk through the system they personally use to manage cashflow. It’s not a traditional “budget”, but a structure that creates control and freedom at the same time. Why “Budgeting” Misses the Point Most people think of budgeting as cutting back — like
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Summary In Episode 12 of the Plain English Finance Podcast, Tré and Sierra break down one of the most misunderstood parts of investing: asset allocation. It’s not about picking the hottest stock or guessing what the markets will do next month. It’s about how you balance stocks and bonds to build a portfolio that actually
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When the Math and the Mind Disagree Few financial debates get people more worked up than this one: Should you invest or pay down debt? On paper, the math seems simple. If your investments grow faster than your interest rate, invest. If not, pay down debt. But in real life, it’s never that clean. As
Invest or Pay Down Debt? How to Make the Right Call for You Read More »
Summary For years, six figures was the goal; the line between “doing okay” and “doing well.”But today, many households earning $100K to $200K feel like they’re treading water. Let’s break down why. 1. Six Figures Isn’t What It Used to Be Two full-time incomes can still vanish fast. Taxes, housing, vehicles, kids’ activities, and rising
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Good debt, bad debt Most people treat debt as something to escape. But not all debt is bad, especially if you can make it work for you. Every dollar you earn gets taxed. Every house you buy gets taxed. Every tank of gas, every loaf of bread. Tax touches almost everything.That’s why structuring your finances
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