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With the upcoming Kingston Wedding Show on February 1st, I’ve been busy prepping over 300 handwritten cards to congratulate local brides!
Many young couples starting their journey don’t have a trusted connection to help them navigate life insurance or investments. Now that they’re building a future together, those conversations are more important than ever.
The math was daunting: 2 minutes per card × 300 cards = 10 hours of writing.
The solution? I found a way to do it in 5 hours!
It only took me an extra 10 hours to learn how to write with both hands at the same time!
Efficiency at its finest! 😂
Many young couples starting their journey don’t have a trusted connection to help them navigate life insurance or investments. Now that they’re building a future together, those conversations are more important than ever.
The math was daunting: 2 minutes per card × 300 cards = 10 hours of writing.
The solution? I found a way to do it in 5 hours!
It only took me an extra 10 hours to learn how to write with both hands at the same time!
Efficiency at its finest! 😂
A few people reached out this week about their mortgage statements... ☕📄
It turns out many didn't realize they had a choice when it comes to their mortgage insurance.
If you’re looking at your statement and wondering if you should run a comparison, the process is easy:
1️⃣ Send me a quick photo or the amount of your monthly insurance premium.
2️⃣ I’ll run the numbers against a personal policy.
3️⃣ You decide what’s best for your budget.
No pressure, just a clear look at the math. 🧮
Reach out to me directly at 613-243-0015 to see if we can find some savings.
It turns out many didn't realize they had a choice when it comes to their mortgage insurance.
If you’re looking at your statement and wondering if you should run a comparison, the process is easy:
1️⃣ Send me a quick photo or the amount of your monthly insurance premium.
2️⃣ I’ll run the numbers against a personal policy.
3️⃣ You decide what’s best for your budget.
No pressure, just a clear look at the math. 🧮
Reach out to me directly at 613-243-0015 to see if we can find some savings.
Thursday Stats:
✅ Attended 2 Hour Business Training
✅ Made 10 Phone Calls
✅ Replied to 15 Emails
✅ Cleared the driveway in under 20 mins
Can't beat that!
✅ Attended 2 Hour Business Training
✅ Made 10 Phone Calls
✅ Replied to 15 Emails
✅ Cleared the driveway in under 20 mins
Can't beat that!
CMHC insights on mortgage renewals in Canada
🚨 2026: The Year the "Stress Test" Becomes Reality.
If you think 2025 was tough, the data for 2026 shows we are entering the peak of the Canadian mortgage cliff.
The Stats for Canadian Homeowners:
Over 1.2 million Canadian mortgages are set to renew in 2026 alone—most of them signed in 2021 when rates were at historic lows (sub-2%).
The Bank of Canada projects that 5-year fixed-rate holders will see an average payment jump of 15% to 20%.
For many, this increase will eat up an extra 5% of their total household disposable income. That’s money directly pulled from groceries, savings, and retirement.
It’s easy to feel like you’re stuck in a 2008-style loop, but the best defense is a proactive offense. Use this checklist to see where you stand before the renewal notice arrives:
✅ Step 1: Run the "Stress Test" Today
Don't wait for the bank's letter. If you are at 1.8% now, run a calculator at 4.5% or 5.0%. Knowing your "New Number" now gives you months to adjust your lifestyle or find new cash flow.
✅ Step 2: Audit Your "Non-Mortgage" Debt
With the average Canadian household owing $1.75 for every $1 of income, the mortgage isn't the only problem. Consolidating high-interest credit cards or car loans before your renewal can free up the "room" you need to handle the higher mortgage payment.
✅ Step 3: Look Beyond the Interest Rate
A "good" renewal isn't just about the lowest rate; it’s about flexibility. Ask about prepayment privileges or the ability to "blend and extend." In a 2026 market, cash flow is key.
73% of Canadians are already planning to cut spending just to keep their homes. You don't have to be part of that statistic if you have a plan.
Let’s run your numbers together. I’m Brock Vale, and I help families navigate the math that keeps them up at night.
📞 613-243-0015 📍 Sun Life | Kingston, ON
Source: https://www.ratehub.ca/blog/mortgage-renewal-trends-cmhc/
If you think 2025 was tough, the data for 2026 shows we are entering the peak of the Canadian mortgage cliff.
The Stats for Canadian Homeowners:
Over 1.2 million Canadian mortgages are set to renew in 2026 alone—most of them signed in 2021 when rates were at historic lows (sub-2%).
The Bank of Canada projects that 5-year fixed-rate holders will see an average payment jump of 15% to 20%.
For many, this increase will eat up an extra 5% of their total household disposable income. That’s money directly pulled from groceries, savings, and retirement.
It’s easy to feel like you’re stuck in a 2008-style loop, but the best defense is a proactive offense. Use this checklist to see where you stand before the renewal notice arrives:
✅ Step 1: Run the "Stress Test" Today
Don't wait for the bank's letter. If you are at 1.8% now, run a calculator at 4.5% or 5.0%. Knowing your "New Number" now gives you months to adjust your lifestyle or find new cash flow.
✅ Step 2: Audit Your "Non-Mortgage" Debt
With the average Canadian household owing $1.75 for every $1 of income, the mortgage isn't the only problem. Consolidating high-interest credit cards or car loans before your renewal can free up the "room" you need to handle the higher mortgage payment.
✅ Step 3: Look Beyond the Interest Rate
A "good" renewal isn't just about the lowest rate; it’s about flexibility. Ask about prepayment privileges or the ability to "blend and extend." In a 2026 market, cash flow is key.
73% of Canadians are already planning to cut spending just to keep their homes. You don't have to be part of that statistic if you have a plan.
Let’s run your numbers together. I’m Brock Vale, and I help families navigate the math that keeps them up at night.
📞 613-243-0015 📍 Sun Life | Kingston, ON
Source: https://www.ratehub.ca/blog/mortgage-renewal-trends-cmhc/
Check your mortgage statement. 📄
If you are currently paying for mortgage insurance through your lender, you might be interested in a quick check-up.
With mortgage costs changing for so many people right now, it’s a good time to review every line item. I am offering free comparisons to see how your current lender-issued coverage stacks up against a personal policy.
The Goal: To see if we can save you money or provide more flexible coverage for your family.
Interested? > reach out to me at 613-243-0015.
I'll run the numbers for you—no cost, no obligation.
If you are currently paying for mortgage insurance through your lender, you might be interested in a quick check-up.
With mortgage costs changing for so many people right now, it’s a good time to review every line item. I am offering free comparisons to see how your current lender-issued coverage stacks up against a personal policy.
The Goal: To see if we can save you money or provide more flexible coverage for your family.
Interested? > reach out to me at 613-243-0015.
I'll run the numbers for you—no cost, no obligation.
Here are 3 key tips to help manage your finances.
1. Track your spending for a couple of months. You will be more aware of where your money is going and what you can afford.
2. Start saving money towards an emergency fund or rainy day fund. The recommended target is 3 months of income incase you lost your income, you needed to repair your home/car, or any other sudden costs.
3. Look into your investment Portfolio. Manage the risk you are taking to make sure it is working the best it can for you. I can help you with this.
Brock Vale
613-243-0015
brock.vale@sunlife.com
1. Track your spending for a couple of months. You will be more aware of where your money is going and what you can afford.
2. Start saving money towards an emergency fund or rainy day fund. The recommended target is 3 months of income incase you lost your income, you needed to repair your home/car, or any other sudden costs.
3. Look into your investment Portfolio. Manage the risk you are taking to make sure it is working the best it can for you. I can help you with this.
Brock Vale
613-243-0015
brock.vale@sunlife.com
In attempt to improve our health, Brittany and I successfully avoided McDonald's food for all of 2025. Not only did we manage to avoid the quick regrettable fast food, but we also cut our monthly expenses down.
Whether your goal is to improve your health, or your wallet, I recommend trying to reduce your fast food frequency. You will notice a difference.
Whether your goal is to improve your health, or your wallet, I recommend trying to reduce your fast food frequency. You will notice a difference.
Did 2025 feel like a decade in one year? Same. 😅
Between the U.S. trade drama and the Bank of Canada making big moves, there was never a dull moment for our money. Here are 3 things that defined the financial world this year:
1️⃣ The Rate Relief: We ended 2024 wishing for lower rates, and 2025 delivered. The Bank of Canada brought the policy rate down to 2.25%, giving a boost to homeowners and businesses alike. 🏠
2️⃣ The "Tariff Tussle": We learned more about international trade than we ever wanted to! Despite the noise, the Canadian economy showed some serious resilience.
3️⃣ AI Got Real: It wasn't just about ChatGPT anymore. AI-driven investment was a massive part of global growth this year — it definitely kept the stock market exciting! 🎢
The Bottom Line: Canada survived the "Trade War" fears and ended the year with inflation steady around 2%. We’re entering 2026 on solid ground. 🇨🇦
Between the U.S. trade drama and the Bank of Canada making big moves, there was never a dull moment for our money. Here are 3 things that defined the financial world this year:
1️⃣ The Rate Relief: We ended 2024 wishing for lower rates, and 2025 delivered. The Bank of Canada brought the policy rate down to 2.25%, giving a boost to homeowners and businesses alike. 🏠
2️⃣ The "Tariff Tussle": We learned more about international trade than we ever wanted to! Despite the noise, the Canadian economy showed some serious resilience.
3️⃣ AI Got Real: It wasn't just about ChatGPT anymore. AI-driven investment was a massive part of global growth this year — it definitely kept the stock market exciting! 🎢
The Bottom Line: Canada survived the "Trade War" fears and ended the year with inflation steady around 2%. We’re entering 2026 on solid ground. 🇨🇦
If your goal is to reduce your spending, the best way to start is by tracking your current income & expenses. Use this info after a few months to find out what stands out, what needs to be changed, and what you are doing well.
Brock Vale
brock.vale@sunlife.com
613-243-0015
Brock Vale
brock.vale@sunlife.com
613-243-0015
How will mortgage payments change at renewal? An updated analysis
The 2026 "Payment Shock" is officially here. Are you ready? 📉🏠
A lot of Canadians are heading into 2026 feeling the squeeze, but the numbers coming from the Bank of Canada show exactly why this year feels different:
* The 60% Wave: 60% of ALL mortgages in Canada are renewing in 2025-2026. This isn't just a few people; it's the majority of our neighbourhood.
* The $400-$600 Monthly "Tax": For those who locked in 5-year fixed rates under 2% in 2021, the average payment increase is projected to be 15% to 20%.
* The Extreme End: 10% of renewing homeowners could see their payments spike by over 40%.
Think about that: If your mortgage was $2,500, it could suddenly be $3,500. This is the worry that’s keeping people up at night.
The 2008 Comparison: Back in 2008, the issue was bad loans. In 2026, the issue is "Payment Shock." Everything else—groceries, heat, taxes—has gone up, and now the biggest bill in the house is jumping too.
The Plan: Don't wait for the renewal letter to find out your new number. Let’s sit down now and look at your cash flow. We can find ways to bridge the gap before the shock hits.
Reach out to me at 613-243-0015. Let's get ahead of this together.
https://www.bankofcanada.ca/2025/07/staff-analytical-note-2025-21/?hl=en-CA
A lot of Canadians are heading into 2026 feeling the squeeze, but the numbers coming from the Bank of Canada show exactly why this year feels different:
* The 60% Wave: 60% of ALL mortgages in Canada are renewing in 2025-2026. This isn't just a few people; it's the majority of our neighbourhood.
* The $400-$600 Monthly "Tax": For those who locked in 5-year fixed rates under 2% in 2021, the average payment increase is projected to be 15% to 20%.
* The Extreme End: 10% of renewing homeowners could see their payments spike by over 40%.
Think about that: If your mortgage was $2,500, it could suddenly be $3,500. This is the worry that’s keeping people up at night.
The 2008 Comparison: Back in 2008, the issue was bad loans. In 2026, the issue is "Payment Shock." Everything else—groceries, heat, taxes—has gone up, and now the biggest bill in the house is jumping too.
The Plan: Don't wait for the renewal letter to find out your new number. Let’s sit down now and look at your cash flow. We can find ways to bridge the gap before the shock hits.
Reach out to me at 613-243-0015. Let's get ahead of this together.
https://www.bankofcanada.ca/2025/07/staff-analytical-note-2025-21/?hl=en-CA
Is your child's education fund on track?
Starting early and saving consistently can make a significant difference in your child's educational future.
Benefits of RESPs:
- Government grants to boost your savings
- Tax-deferred growth
- Flexibility in investment options
Let's work together to create a solid financial roadmap for your child's education. Reach out anytime to discuss how we can help secure their academic dreams.
https://advisor.sunlife.ca/brock.vale/
Starting early and saving consistently can make a significant difference in your child's educational future.
Benefits of RESPs:
- Government grants to boost your savings
- Tax-deferred growth
- Flexibility in investment options
Let's work together to create a solid financial roadmap for your child's education. Reach out anytime to discuss how we can help secure their academic dreams.
https://advisor.sunlife.ca/brock.vale/
Your health and wealth are deeply connected. Consider health insurance solutions like critical illness, disability, and personal health coverage for unexpected challenges.
Beyond insurance, try to prioritize your health daily:
-Eat nutritiously
-Stay active
-Manage stress
-Get enough sleep
-Schedule regular checkups with your healthcare provider
Proactive health care can prevent or mitigate issues, benefiting your well-being and finances in the long-term.
Do you want to explore health insurance options? Let's discuss tailored solutions that protect your health and money.
Beyond insurance, try to prioritize your health daily:
-Eat nutritiously
-Stay active
-Manage stress
-Get enough sleep
-Schedule regular checkups with your healthcare provider
Proactive health care can prevent or mitigate issues, benefiting your well-being and finances in the long-term.
Do you want to explore health insurance options? Let's discuss tailored solutions that protect your health and money.
Met with the Board of Directors today to discuss our 2026 growth strategy. Buddy wants to invest heavily in syrup, Santa is focused on logistics, and the Bear is just here for the 'claws' in the contract. Luckily, I’m here to keep the actual financial plans on track!
Merry Christmas everyone! Enjoy some time with your family and have some extra treats today!
Merry Christmas everyone! Enjoy some time with your family and have some extra treats today!
When I ask my clients about their 'dependents,' this is exactly what I’m hoping for.
Taking some time to help Santa figure out the cost of premium catnip in this economy.
Taking some time to help Santa figure out the cost of premium catnip in this economy.
What better way to start a Monday?!
I was honoured work alongside a few other Sun Life advisors and their families to deliver nearly 1,000 pounds of non-perishables from Glenburnie Grocery to Partners in Mission Foodbank in Kingston!
I was honoured work alongside a few other Sun Life advisors and their families to deliver nearly 1,000 pounds of non-perishables from Glenburnie Grocery to Partners in Mission Foodbank in Kingston!
Don't let holiday joy turn into January budget blues. Unwrap our guide to seasonal spending!
www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/your-guide-to-holiday-money-management/
www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/your-guide-to-holiday-money-management/
Don't miss out on potential tax savings and securing your nest egg. Here's why you should consider maximizing your RRSP contributions:
• Reduce your taxable income for 2025
• Grow your savings tax-free until withdrawal
• Invest in your future financial well-being
Sun Life offers a range of RRSP investment options that can help grow your retirement savings:
💰 Mutual funds
📈 Guaranteed Investment Certificates (GICs)
🏦 Savings accounts
Let's chat about how we can help you make the most of your RRSP contributions before the deadline. Your future self will thank you!
• Reduce your taxable income for 2025
• Grow your savings tax-free until withdrawal
• Invest in your future financial well-being
Sun Life offers a range of RRSP investment options that can help grow your retirement savings:
💰 Mutual funds
📈 Guaranteed Investment Certificates (GICs)
🏦 Savings accounts
Let's chat about how we can help you make the most of your RRSP contributions before the deadline. Your future self will thank you!
Tax season is right around the corner.
✅ Gather all income documents (T4s, T5s, etc.)
✅ Collect receipts for deductible expenses
✅ Review last year's tax return
✅ Check for unused credits or deductions
✅ Consider RRSP contributions before the deadline — there's still time!
Let's connect to explore how solutions like RRSPs, TFSAs or RESPs can potentially reduce your tax burden and boost your long-term financial wellbeing.
Questions about tax-efficient investing or retirement planning? Get in touch about tax season and beyond.
✅ Gather all income documents (T4s, T5s, etc.)
✅ Collect receipts for deductible expenses
✅ Review last year's tax return
✅ Check for unused credits or deductions
✅ Consider RRSP contributions before the deadline — there's still time!
Let's connect to explore how solutions like RRSPs, TFSAs or RESPs can potentially reduce your tax burden and boost your long-term financial wellbeing.
Questions about tax-efficient investing or retirement planning? Get in touch about tax season and beyond.
Heading south for the winter? Before you swap your boots for flip-flops, let's ensure your finances are as ready for the journey as you are. A few helpful reminders...
💰 Fund check: Is your budget winter-ready?
🏠 Home security: Try home monitoring for peace of mind
🏥 Healthcare: Know your coverage limits abroad
✈️ Travel insurance: Don't leave home without it!
Ready to make your snowbird dreams take flight? Let's chat about optimizing your retirement strategy for your sun-seeking lifestyle. Reach out for a pre-vacation financial checkup.
#SnowbirdLife #Retirement #SunLifeCanada
💰 Fund check: Is your budget winter-ready?
🏠 Home security: Try home monitoring for peace of mind
🏥 Healthcare: Know your coverage limits abroad
✈️ Travel insurance: Don't leave home without it!
Ready to make your snowbird dreams take flight? Let's chat about optimizing your retirement strategy for your sun-seeking lifestyle. Reach out for a pre-vacation financial checkup.
#SnowbirdLife #Retirement #SunLifeCanada
Just a couple of days ago I decided that I would rather be at the Rink than in the Office this Friday!
What an awesome day! Kingston’s “Hockey Helps The Homeless” Hockey Tournament was a huge success!
Spent the day guiding around some pros.. and some pretend pros!
What an awesome day! Kingston’s “Hockey Helps The Homeless” Hockey Tournament was a huge success!
Spent the day guiding around some pros.. and some pretend pros!
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