Stay Informed
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Navigating life insurance options can be overwhelming. Whether finishing school, buying a first home or starting a family, finding the right plan that fits life's unique journey is essential.
I can help secure your future. Let me know how we can help.
I can help secure your future. Let me know how we can help.
The Biggest Retirement Myth: "I need to be 100% safe." 🛑
Common wisdom says that as you approach retirement, you should move everything into "safe" investments like GICs or bonds.
But here’s the truth: Retirement isn't a single event; it’s a 30-year journey. If you stop your growth too early, you risk:
Inflation Erosion: Your purchasing power drops while costs rise.
Outliving Your Money: A stagnant portfolio may not keep up with your lifestyle.
Working Longer: You might be delaying your retirement unnecessarily because your "safe" strategy isn't doing the heavy lifting anymore.
You don’t need all your money on Day 1. We plan for the short-term cash you need AND the long-term growth you still require.
Brock Vale - 613-243-0015
brock.vale@sunlife.com
Common wisdom says that as you approach retirement, you should move everything into "safe" investments like GICs or bonds.
But here’s the truth: Retirement isn't a single event; it’s a 30-year journey. If you stop your growth too early, you risk:
Inflation Erosion: Your purchasing power drops while costs rise.
Outliving Your Money: A stagnant portfolio may not keep up with your lifestyle.
Working Longer: You might be delaying your retirement unnecessarily because your "safe" strategy isn't doing the heavy lifting anymore.
You don’t need all your money on Day 1. We plan for the short-term cash you need AND the long-term growth you still require.
Brock Vale - 613-243-0015
brock.vale@sunlife.com
Is Your Financial Plan Built for Overtime?
It’s Quarter-Final day for Team Canada Men’s Hockey! 🇨🇦 In the Olympics, coaches have to manage "Time on Ice" perfectly. If a player stays out too long, they burn out. If they don’t play enough, they don’t get results.
In the "Economic Olympics," we track this by looking at the average hours worked per week. Check out the global leaderboard for 2026:
🏆 The Weekly Endurance Leaderboard (Avg. Hours Worked)
1️⃣ Bhutan: 54.5 hrs
2️⃣ India: 45.8 hrs
3️⃣ Mexico: 42.1 hrs
4️⃣ USA: 36.4 hrs
5️⃣ Canada: 32.3 hrs
6️⃣ Germany: 25.5 hrs
Wait—only 32.3 hours for Canada? 🤨
That’s the national average, which includes part-time workers, seasonal shifts, and our generous vacation time.
The goal of a great financial plan isn’t to make you work more hours—it’s to ensure that the hours you DO work are building enough momentum so that eventually, your money starts doing the heavy lifting for you.
Source: https://data.oecd.org/emp/hours-worked.htm
Whether you’re clocking 30 hours or 60, let’s make sure your retirement strategy is ready for the podium.
Give me a shout to review your "scouting report."
📞 613-243-0015
It’s Quarter-Final day for Team Canada Men’s Hockey! 🇨🇦 In the Olympics, coaches have to manage "Time on Ice" perfectly. If a player stays out too long, they burn out. If they don’t play enough, they don’t get results.
In the "Economic Olympics," we track this by looking at the average hours worked per week. Check out the global leaderboard for 2026:
🏆 The Weekly Endurance Leaderboard (Avg. Hours Worked)
1️⃣ Bhutan: 54.5 hrs
2️⃣ India: 45.8 hrs
3️⃣ Mexico: 42.1 hrs
4️⃣ USA: 36.4 hrs
5️⃣ Canada: 32.3 hrs
6️⃣ Germany: 25.5 hrs
Wait—only 32.3 hours for Canada? 🤨
That’s the national average, which includes part-time workers, seasonal shifts, and our generous vacation time.
The goal of a great financial plan isn’t to make you work more hours—it’s to ensure that the hours you DO work are building enough momentum so that eventually, your money starts doing the heavy lifting for you.
Source: https://data.oecd.org/emp/hours-worked.htm
Whether you’re clocking 30 hours or 60, let’s make sure your retirement strategy is ready for the podium.
Give me a shout to review your "scouting report."
📞 613-243-0015
🏠 Day 12: Is the Nest Getting Crowded?
We’ve all seen the headlines about the "Boomerang Generation," but how does Canada actually compare to the rest of the world when it comes to kids moving out in 2026?
The 2026 Global Standings: Average Age of Moving Out (2026)
🥇 GOLD: Finland (21.4 years) The world leader in launching early. A mix of government student support and a culture that prizes independence keeps them in first place.
🥈 SILVER: Denmark (21.7 years) Denmark takes the Silver. Like their neighbors, Danish young adults benefit from a system that makes moving out for school or work financially feasible much earlier than in North America.
🥉 BRONZE: Sweden (21.9 years) Rounding out the Nordic sweep, Sweden takes the Bronze. Independence usually happens right around the end of high school or the start of university.
🇺🇸 The USA Shift: For the first time, the average age in the US has climbed to 27. Rental affordability is keeping the next generation home longer than ever before.
🇨🇦 Where is Canada?
We land even higher. In Canada, the average age of independence is now 28.2. Many young professionals are staying home well into their late 20s to build a down payment.
The Plot Twist: Think 28 is old? In Croatia, the average person doesn't move out until they are 31.3!
If your adult children are still at home, the "Parental Bank" needs a strategy. In 2026, the FHSA (First Home Savings Account) and the $7,000 TFSA limit are the best tools to help them move from your basement to their own front door.
Is your nest feeling a little full? Let’s chat about how we can build a plan to get the next generation launched without delaying your own retirement. 🚀
Brock Vale
Financial Advisor, Sun Life
📍 Kingston, Ontario
📞 613-243-0015
Source: https://ec.europa.eu/eurostat/web/products-eurostat-news/w/ddn-20250923-1?hl=en-CA
We’ve all seen the headlines about the "Boomerang Generation," but how does Canada actually compare to the rest of the world when it comes to kids moving out in 2026?
The 2026 Global Standings: Average Age of Moving Out (2026)
🥇 GOLD: Finland (21.4 years) The world leader in launching early. A mix of government student support and a culture that prizes independence keeps them in first place.
🥈 SILVER: Denmark (21.7 years) Denmark takes the Silver. Like their neighbors, Danish young adults benefit from a system that makes moving out for school or work financially feasible much earlier than in North America.
🥉 BRONZE: Sweden (21.9 years) Rounding out the Nordic sweep, Sweden takes the Bronze. Independence usually happens right around the end of high school or the start of university.
🇺🇸 The USA Shift: For the first time, the average age in the US has climbed to 27. Rental affordability is keeping the next generation home longer than ever before.
🇨🇦 Where is Canada?
We land even higher. In Canada, the average age of independence is now 28.2. Many young professionals are staying home well into their late 20s to build a down payment.
The Plot Twist: Think 28 is old? In Croatia, the average person doesn't move out until they are 31.3!
If your adult children are still at home, the "Parental Bank" needs a strategy. In 2026, the FHSA (First Home Savings Account) and the $7,000 TFSA limit are the best tools to help them move from your basement to their own front door.
Is your nest feeling a little full? Let’s chat about how we can build a plan to get the next generation launched without delaying your own retirement. 🚀
Brock Vale
Financial Advisor, Sun Life
📍 Kingston, Ontario
📞 613-243-0015
Source: https://ec.europa.eu/eurostat/web/products-eurostat-news/w/ddn-20250923-1?hl=en-CA
The Tax Podium: Who wins the "Gold" for your paycheck in 2025? 🥇
It’s mid-February, and while those tax slips are landing in your mailbox, it’s the perfect time to look at the global leaderboard. If we handed out medals for the lowest taxes on a $100,000 income, the podium would look like this:
* 🥇 GOLD: The UAE & Bahamas (0%) – No income tax, period. You keep the full $100k, but remember: you’re the one paying for every doctor’s visit and school bill out of pocket! 🏝️
* 🥈 SILVER: Bulgaria & Romania (10%) – These "flat-tax" champions only take $10,000. Simple and predictable.
* 🥉 BRONZE: Estonia (22%) – Known for being the world's most digital country, they keep it lean with a flat rate that leaves you with about $78,000.
Wait, what about our neighbours?
In the USA, it's a "choose your own adventure."
In Florida, you’d take home about 77.60%. But in New York, after state taxes, you might only see 69% of your income—which is actually less than some Canadians!
The Ontario Reality 🇨🇦
At $100,000, an Ontario resident keeps roughly 76%. We’re in the middle of the pack, but we get universal healthcare and great infrastructure for that "membership fee."
Keep in mind, rates go up as your income level goes up!
The Win for You:
You don't need to move to Dubai to get a tax break. My job is to help you use the RRSP, TFSA, and FHSA to move yourself up that leaderboard. A solid strategy can often "save" you more than moving to a different country would!
Ready to find your own gold medal? Let’s chat.
Brock Vale | Sun Life
📞 613-243-0015
It’s mid-February, and while those tax slips are landing in your mailbox, it’s the perfect time to look at the global leaderboard. If we handed out medals for the lowest taxes on a $100,000 income, the podium would look like this:
* 🥇 GOLD: The UAE & Bahamas (0%) – No income tax, period. You keep the full $100k, but remember: you’re the one paying for every doctor’s visit and school bill out of pocket! 🏝️
* 🥈 SILVER: Bulgaria & Romania (10%) – These "flat-tax" champions only take $10,000. Simple and predictable.
* 🥉 BRONZE: Estonia (22%) – Known for being the world's most digital country, they keep it lean with a flat rate that leaves you with about $78,000.
Wait, what about our neighbours?
In the USA, it's a "choose your own adventure."
In Florida, you’d take home about 77.60%. But in New York, after state taxes, you might only see 69% of your income—which is actually less than some Canadians!
The Ontario Reality 🇨🇦
At $100,000, an Ontario resident keeps roughly 76%. We’re in the middle of the pack, but we get universal healthcare and great infrastructure for that "membership fee."
Keep in mind, rates go up as your income level goes up!
The Win for You:
You don't need to move to Dubai to get a tax break. My job is to help you use the RRSP, TFSA, and FHSA to move yourself up that leaderboard. A solid strategy can often "save" you more than moving to a different country would!
Ready to find your own gold medal? Let’s chat.
Brock Vale | Sun Life
📞 613-243-0015
This hockey season, I have been a proud sponsor of the U18 A Quinte West Golden Hawks! 🏒
Sports at the age of 17 and 18 are interesting. This is an age where your interests expand. Committing to competitive sports during this age is something that these athletes will carry with them throughout their careers.
Best of luck to all in the Playoffs!
Sports at the age of 17 and 18 are interesting. This is an age where your interests expand. Committing to competitive sports during this age is something that these athletes will carry with them throughout their careers.
Best of luck to all in the Playoffs!
Canada vs. The World: Who wins the "Burger & Beer" Gold Medal? 🥇🍺
The Giant Slalom today got me thinking about the "Cost of Living" hurdles we’re all jumping lately. I decided to see how much a classic "Burger and a Beer" costs around the world in 2026.
✅ The Winners (Best Value)
🇻🇳 Vietnam: ~$6 (The ultimate cheap date!)
🇯🇵 Japan: ~$13
Mexico ~$16
❌ The "Pricey" Peaks
🇨🇭 Switzerland: ~$42 (Ouch!)
🇳🇴 Norway: ~$38
🇺🇸 USA: ~$31 (Yes, it’s now more expensive to eat out in the States!)
🇨🇦 Canada: ~$28 (Tax & Tip included)
We often hear about how expensive things are getting, but compared to our neighbours in the USA or friends in Europe, we’re still holding a great "line".
The trick to winning the "Cost of Living Slalom" is balance. If you can save just $30 a week by eating in one extra night, and invest that into a tax-free account, you could have over $250,000 by the time you retire. Now that is a Gold Medal finish! 🥇
Source: https://www.numbeo.com/cost-of-living/prices_by_city.jsp?itemId=4&displayCurrency=CAD
👇 Question for you: Where is your favourite spot to grab a burger? I’m looking for a new favourite! Let me know in the comments!
The Giant Slalom today got me thinking about the "Cost of Living" hurdles we’re all jumping lately. I decided to see how much a classic "Burger and a Beer" costs around the world in 2026.
✅ The Winners (Best Value)
🇻🇳 Vietnam: ~$6 (The ultimate cheap date!)
🇯🇵 Japan: ~$13
Mexico ~$16
❌ The "Pricey" Peaks
🇨🇭 Switzerland: ~$42 (Ouch!)
🇳🇴 Norway: ~$38
🇺🇸 USA: ~$31 (Yes, it’s now more expensive to eat out in the States!)
🇨🇦 Canada: ~$28 (Tax & Tip included)
We often hear about how expensive things are getting, but compared to our neighbours in the USA or friends in Europe, we’re still holding a great "line".
The trick to winning the "Cost of Living Slalom" is balance. If you can save just $30 a week by eating in one extra night, and invest that into a tax-free account, you could have over $250,000 by the time you retire. Now that is a Gold Medal finish! 🥇
Source: https://www.numbeo.com/cost-of-living/prices_by_city.jsp?itemId=4&displayCurrency=CAD
👇 Question for you: Where is your favourite spot to grab a burger? I’m looking for a new favourite! Let me know in the comments!
Are you a "Fast Starter" or a "Late Finisher" in the Marriage Race? 💍🥇
Happy Valentine’s Day! ❤️ While we’re celebrating love today, I looked up some stats on when people are actually saying "I do" in 2026.
It turns out, the world has a massive "Marriage Gap!" Check out the average age for a first marriage:
✅ The "Veteran" Club (Waiting for the right time)
🇸🇪 Sweden: 34 years old (The world's most patient partners!)
🇮🇹 Italy: 32 years old
🇨🇦 CANADA: 30 years old 🇨🇦
🚨 The "Fast Starters" (The Youngest in the World)
🇹🇩 Chad: 19.2 years old
🇳🇪 Niger: 19.4 years old
🇲🇿 Mozambique: 19.6 years old
In Canada, the average person is waiting until 30 to get hitched. Honestly? Your bank account probably thanks you. 💰
By waiting until your 30s, you’ve had time to build your savings, start your career, and figure out your "Money Style" together. Whether you marry at 20 or 40, the most important "I Do" is the one you make to your future.
Source: https://worldpopulationreview.com/country-rankings/age-at-first-marriage-by-country
👇 Question for you: How old were you when you got married? Or are you still waiting for the "Gold Medal" partner? Let me know in the comments!
Happy Valentine’s Day! ❤️ While we’re celebrating love today, I looked up some stats on when people are actually saying "I do" in 2026.
It turns out, the world has a massive "Marriage Gap!" Check out the average age for a first marriage:
✅ The "Veteran" Club (Waiting for the right time)
🇸🇪 Sweden: 34 years old (The world's most patient partners!)
🇮🇹 Italy: 32 years old
🇨🇦 CANADA: 30 years old 🇨🇦
🚨 The "Fast Starters" (The Youngest in the World)
🇹🇩 Chad: 19.2 years old
🇳🇪 Niger: 19.4 years old
🇲🇿 Mozambique: 19.6 years old
In Canada, the average person is waiting until 30 to get hitched. Honestly? Your bank account probably thanks you. 💰
By waiting until your 30s, you’ve had time to build your savings, start your career, and figure out your "Money Style" together. Whether you marry at 20 or 40, the most important "I Do" is the one you make to your future.
Source: https://worldpopulationreview.com/country-rankings/age-at-first-marriage-by-country
👇 Question for you: How old were you when you got married? Or are you still waiting for the "Gold Medal" partner? Let me know in the comments!
Are you getting a "Gold Medal" deal on your fitness? 🥇💪
Watching the Men’s Figure Skating today made me think about how much we spend to stay in "Olympic shape." We all know staying healthy is the best investment you can make, but did you know that Canada actually has some of the cheapest gym prices in the world?
Check out the "Monthly Fitness Fee" for 2026:
✅ The Winners (Best Value)
🇺🇸 USA: ~$39
🇨🇦 CANADA: ~$52 🇨🇦 (We’re much cheaper than Europe!)
🇵🇱 Poland: ~$55
❌ The Expensive (Big Scores)
🇨🇭 Switzerland: ~$120
🇦🇹 Austria: ~$107
🇶🇦 Qatar: ~$105
$50 to $60 a month is pretty standard. But here’s the challenge: Check your bank statement today! 🕵️♂️
The most expensive gym in the world isn't in Switzerland—it’s the one you pay for but never go to. We call these "Zombie Expenses." If you’re paying $60/month and not going, that’s $720 a year that could be going toward your vacation fund or an RESP for the kids!
The Lesson: Your health is everything. If you're using the gym, keep going! But if you're not, let's cut that "dead weight" and put that money to work for your future instead.
Source: https://www.numbeo.com/cost-of-living/country_price_rankings?itemId=40
Watching the Men’s Figure Skating today made me think about how much we spend to stay in "Olympic shape." We all know staying healthy is the best investment you can make, but did you know that Canada actually has some of the cheapest gym prices in the world?
Check out the "Monthly Fitness Fee" for 2026:
✅ The Winners (Best Value)
🇺🇸 USA: ~$39
🇨🇦 CANADA: ~$52 🇨🇦 (We’re much cheaper than Europe!)
🇵🇱 Poland: ~$55
❌ The Expensive (Big Scores)
🇨🇭 Switzerland: ~$120
🇦🇹 Austria: ~$107
🇶🇦 Qatar: ~$105
$50 to $60 a month is pretty standard. But here’s the challenge: Check your bank statement today! 🕵️♂️
The most expensive gym in the world isn't in Switzerland—it’s the one you pay for but never go to. We call these "Zombie Expenses." If you’re paying $60/month and not going, that’s $720 a year that could be going toward your vacation fund or an RESP for the kids!
The Lesson: Your health is everything. If you're using the gym, keep going! But if you're not, let's cut that "dead weight" and put that money to work for your future instead.
Source: https://www.numbeo.com/cost-of-living/country_price_rankings?itemId=40
Who wins the Gold for the lightest "Financial Bobsled"? 🛷🥇
In the Olympics, a heavy bobsled helps you go fast. But in real life, debt is a weight that makes it hard to steer when the track gets bumpy.
If we gave out Olympic medals for the families with the least amount of debt, the leaderboard would look very different! Check out the average Total Debt per Household for 2026:
🥇 THE GOLD MEDAL: Italy (~$72,000 CAD) 🇮🇹
The Italians are the masters of the "Light Sled." They have a massive culture of saving and usually own their homes outright or with very small mortgages. They are the most agile finishers in the West!
🥈 THE SILVER MEDAL: Germany (~$95,000 CAD) 🇩🇪
Germans are famous for being "debt-averse." They prefer to save up for years rather than borrowing, keeping their sleds light and easy to steer.
🥉 THE BRONZE MEDAL: USA (~$145,000 CAD) 🇺🇸
Our neighbors to the south have actually "lightened their load" significantly over the last 15 years, putting them in a much better position to handle the turns.
🚨 THE "OVERWEIGHT" SLED: CANADA (~$212,000 CAD) 🇨🇦
Unfortunately, Canada is at the back of the pack. We are currently carrying the heaviest household debt in the G7.
When your "sled" is this heavy, any bump in the track—like an interest rate hike or a repair on the house—feels like a total wipeout.
The goal isn't just to get to the bottom of the hill; it's to get there with your savings intact!
Source: https://www.imf.org/external/datamapper/HH_LS@GDD/CAN/GBR/USA/DEU/ITA/FRA/JPN/VNM
In the Olympics, a heavy bobsled helps you go fast. But in real life, debt is a weight that makes it hard to steer when the track gets bumpy.
If we gave out Olympic medals for the families with the least amount of debt, the leaderboard would look very different! Check out the average Total Debt per Household for 2026:
🥇 THE GOLD MEDAL: Italy (~$72,000 CAD) 🇮🇹
The Italians are the masters of the "Light Sled." They have a massive culture of saving and usually own their homes outright or with very small mortgages. They are the most agile finishers in the West!
🥈 THE SILVER MEDAL: Germany (~$95,000 CAD) 🇩🇪
Germans are famous for being "debt-averse." They prefer to save up for years rather than borrowing, keeping their sleds light and easy to steer.
🥉 THE BRONZE MEDAL: USA (~$145,000 CAD) 🇺🇸
Our neighbors to the south have actually "lightened their load" significantly over the last 15 years, putting them in a much better position to handle the turns.
🚨 THE "OVERWEIGHT" SLED: CANADA (~$212,000 CAD) 🇨🇦
Unfortunately, Canada is at the back of the pack. We are currently carrying the heaviest household debt in the G7.
When your "sled" is this heavy, any bump in the track—like an interest rate hike or a repair on the house—feels like a total wipeout.
The goal isn't just to get to the bottom of the hill; it's to get there with your savings intact!
Source: https://www.imf.org/external/datamapper/HH_LS@GDD/CAN/GBR/USA/DEU/ITA/FRA/JPN/VNM
Kingston vs. The World: Are we winning the housing race? 🥇🏠
Watching the Super-G today got me thinking about the "Real Estate Race." We all know house prices have gone up, but how does Kingston actually compare to the rest of the world?
Check out the highest average home prices for 2026:
❌ The "Pricey" Peaks (Most Expensive)
🇭🇰 Hong Kong: $1.2 Million (For a tiny apartment!)
🇺🇸 New York City: $830,000
🇨🇦 Vancouver: $815,000
✅ The "Kingston" Line (Value & Quality)
🇨🇦 KINGSTON: $622,000 🇨🇦
Compared to Toronto ($1.1 Million)
Source: https://www.comparethemarket.com.au/home-contents-insurance/features/global-cost-of-property/
👇 Question for you: If you could live anywhere in the world for one year—cost aside—where would you go?
Watching the Super-G today got me thinking about the "Real Estate Race." We all know house prices have gone up, but how does Kingston actually compare to the rest of the world?
Check out the highest average home prices for 2026:
❌ The "Pricey" Peaks (Most Expensive)
🇭🇰 Hong Kong: $1.2 Million (For a tiny apartment!)
🇺🇸 New York City: $830,000
🇨🇦 Vancouver: $815,000
✅ The "Kingston" Line (Value & Quality)
🇨🇦 KINGSTON: $622,000 🇨🇦
Compared to Toronto ($1.1 Million)
Source: https://www.comparethemarket.com.au/home-contents-insurance/features/global-cost-of-property/
👇 Question for you: If you could live anywhere in the world for one year—cost aside—where would you go?
Canada vs. USA: The "Caffeine Race" is on! 🇨🇦☕🇺🇸
While we watch the Cross-Country marathon today, I found a stat that proves Canadians are the endurance champions of the morning routine.
Check out the "Caffeine Standings" for 2026:
✅ The Top 3 (The Heavy Drinkers)
🇱🇺 Luxembourg: 5.3 cups a day!
🇫🇮 Finland: 4.1 cups a day
🇳🇴 Norway: 4.0 cups a day
🌍 Where do we rank?
🇨🇦 CANADA: 2.8 cups a day (Ranked #10 in the world!)
🇺🇸 USA: 1.2 cups a day (Ranked #24)
That’s right—the average Canadian drinks more than double the coffee of the average American. We really do need that extra fuel for our winters! ❄️
We love our local cafes, but have you ever done the "Coffee Math"? ☕➕🔢
At $5.50 a cup, a daily habit costs you over $2,000 a year.
Source: https://cafely.com/blogs/research/which-country-consumes-the-most-coffee?srsltid=AfmBOoq6bT8W40gXbY-XmqyY5SF_HfGMxdRnmkhXdEAtdpVASn4a39oK
👇 Question for you: Are you an "average" Canadian (2-3 cups) or are you hitting those Finnish numbers (4+ cups)? Let me know your score in the comments!
While we watch the Cross-Country marathon today, I found a stat that proves Canadians are the endurance champions of the morning routine.
Check out the "Caffeine Standings" for 2026:
✅ The Top 3 (The Heavy Drinkers)
🇱🇺 Luxembourg: 5.3 cups a day!
🇫🇮 Finland: 4.1 cups a day
🇳🇴 Norway: 4.0 cups a day
🌍 Where do we rank?
🇨🇦 CANADA: 2.8 cups a day (Ranked #10 in the world!)
🇺🇸 USA: 1.2 cups a day (Ranked #24)
That’s right—the average Canadian drinks more than double the coffee of the average American. We really do need that extra fuel for our winters! ❄️
We love our local cafes, but have you ever done the "Coffee Math"? ☕➕🔢
At $5.50 a cup, a daily habit costs you over $2,000 a year.
Source: https://cafely.com/blogs/research/which-country-consumes-the-most-coffee?srsltid=AfmBOoq6bT8W40gXbY-XmqyY5SF_HfGMxdRnmkhXdEAtdpVASn4a39oK
👇 Question for you: Are you an "average" Canadian (2-3 cups) or are you hitting those Finnish numbers (4+ cups)? Let me know your score in the comments!
Who gets the "Gold" when you’re gone? 🥇⛸️
Watching the Figure Skating finals today, I couldn't help but think about a different kind of "Hand-Off." Success in skating depends on a perfect transition between partners—and the same is true for your family's future.
Right now, Canada is in the middle of a $1 Trillion wealth transfer. That’s a massive amount of homes, cottages, and savings being handed down from one generation to the next.
But did you know that where you live in the world totally changes how much of that "Gold" your family actually gets to keep?
✅ The Winners (0% Inheritance Tax)
🇨🇦 CANADA: 0% (Yes, really!)
🇦🇺 Australia: 0%
🇸🇪 Sweden: 0%
❌ The Losers (The Government takes a huge cut)
🇯🇵 Japan: 55% (The world’s biggest "score deduction!")
🇰🇷 South Korea: 50%
🇺🇸 USA: 40%
We are lucky we don't have a death tax in Canada, but there’s a catch. We have something called "Deemed Disposition." Essentially, the CRA treats your RRSPs and that beautiful family cottage as if you "sold" them the day before you passed away.
The Result? Your final tax bill can be HUGE (sometimes over 50% of your RRSP value!), and if your family doesn't have the cash to pay it, they might be forced to sell the assets you wanted them to keep.
The Lesson: A perfect hand-off doesn't happen by accident. In my work at Sun Life, I help families use tools like Life Insurance to pay that final bill so the cottage stays in the family and the "Gold" stays where it belongs.
Source: https://taxsummaries.pwc.com/quick-charts/inheritance-and-gift-tax-rates
👇 Question for you: If you inherited $100,000 today, would you use it to pay off the mortgage, or would you finally take that dream trip to the Olympics? Let me know in the comments!
Watching the Figure Skating finals today, I couldn't help but think about a different kind of "Hand-Off." Success in skating depends on a perfect transition between partners—and the same is true for your family's future.
Right now, Canada is in the middle of a $1 Trillion wealth transfer. That’s a massive amount of homes, cottages, and savings being handed down from one generation to the next.
But did you know that where you live in the world totally changes how much of that "Gold" your family actually gets to keep?
✅ The Winners (0% Inheritance Tax)
🇨🇦 CANADA: 0% (Yes, really!)
🇦🇺 Australia: 0%
🇸🇪 Sweden: 0%
❌ The Losers (The Government takes a huge cut)
🇯🇵 Japan: 55% (The world’s biggest "score deduction!")
🇰🇷 South Korea: 50%
🇺🇸 USA: 40%
We are lucky we don't have a death tax in Canada, but there’s a catch. We have something called "Deemed Disposition." Essentially, the CRA treats your RRSPs and that beautiful family cottage as if you "sold" them the day before you passed away.
The Result? Your final tax bill can be HUGE (sometimes over 50% of your RRSP value!), and if your family doesn't have the cash to pay it, they might be forced to sell the assets you wanted them to keep.
The Lesson: A perfect hand-off doesn't happen by accident. In my work at Sun Life, I help families use tools like Life Insurance to pay that final bill so the cottage stays in the family and the "Gold" stays where it belongs.
Source: https://taxsummaries.pwc.com/quick-charts/inheritance-and-gift-tax-rates
👇 Question for you: If you inherited $100,000 today, would you use it to pay off the mortgage, or would you finally take that dream trip to the Olympics? Let me know in the comments!
• Homeowners have many options when it comes to protecting their mortgages.
• There’s more than one reason to have life insurance.
• If a house is a home, make sure it’s well protected.
• Protecting a home means protecting a mortgage. Find out how life insurance can help do that.
• There’s more than one reason to have life insurance.
• If a house is a home, make sure it’s well protected.
• Protecting a home means protecting a mortgage. Find out how life insurance can help do that.
Is your wallet "racing" or "crashing"? ⛷️💰
Watching the Women's Downhill skiing today got me thinking... Inflation is a lot like skiing. You want a little bit of speed to keep the economy moving, but if you go too fast and lose control, everything falls apart!
Some countries are currently in a "free fall" with their prices, while others have the brakes on perfectly.
Check out the 2026 Inflation Leaderboard:
✅ The Winners (Prices are steady!)
🇨🇭 Switzerland: 0.0% (The Gold Medalist of stability!)
🇨🇳 China: 0.7%
🇫🇷 France: 0.9%
🇮🇹 Italy: 1.1%
🇨🇦 CANADA: 2.2% 🇨🇦 (We are at the front of the pack!)
❌ The "Wipeouts" (Prices are skyrocketing!)
🇸🇩 Sudan: 87.2% (Extreme volatility!)
🇦🇷 Argentina: 31.4%
🇹🇷 Turkey: 31.0%
We often feel the pinch at the grocery store, but globally, Canada is actually putting on a "Masterclass" in control. At 2.2%, our inflation is currently lower than the USA (2.7%), the UK (3.2%), and even Japan (2.9%).
The Lesson: Even a "slow" downhill of 2.2% means your money buys less every year. You can't just rely on the brakes—you need an engine. That’s where smart investing comes in, to make sure your savings grow faster than the prices around you.
Source with 2026 numbers: https://tradingeconomics.com/country-list/inflation-rate-
👇 Question for you: What’s the ONE thing you’ve noticed has "sped up" in price the most lately? Let me know in the comments.
Watching the Women's Downhill skiing today got me thinking... Inflation is a lot like skiing. You want a little bit of speed to keep the economy moving, but if you go too fast and lose control, everything falls apart!
Some countries are currently in a "free fall" with their prices, while others have the brakes on perfectly.
Check out the 2026 Inflation Leaderboard:
✅ The Winners (Prices are steady!)
🇨🇭 Switzerland: 0.0% (The Gold Medalist of stability!)
🇨🇳 China: 0.7%
🇫🇷 France: 0.9%
🇮🇹 Italy: 1.1%
🇨🇦 CANADA: 2.2% 🇨🇦 (We are at the front of the pack!)
❌ The "Wipeouts" (Prices are skyrocketing!)
🇸🇩 Sudan: 87.2% (Extreme volatility!)
🇦🇷 Argentina: 31.4%
🇹🇷 Turkey: 31.0%
We often feel the pinch at the grocery store, but globally, Canada is actually putting on a "Masterclass" in control. At 2.2%, our inflation is currently lower than the USA (2.7%), the UK (3.2%), and even Japan (2.9%).
The Lesson: Even a "slow" downhill of 2.2% means your money buys less every year. You can't just rely on the brakes—you need an engine. That’s where smart investing comes in, to make sure your savings grow faster than the prices around you.
Source with 2026 numbers: https://tradingeconomics.com/country-list/inflation-rate-
👇 Question for you: What’s the ONE thing you’ve noticed has "sped up" in price the most lately? Let me know in the comments.
How much of your life is spent "on the track"? 🇨🇦📱
In the Olympics, Speed Skating is all about being the fastest. But in our daily lives, there’s a different kind of race: The Social Media Sprint. While we’re watching the world's best athletes today, I looked up who spends the most time scrolling. The results might make you want to put your phone down (after you finish reading this, of course! 😉).
Here is the 2026 leaderboard for daily social media use:
🥇 The "Marathoners" (Highest Usage)
🇰🇪 Kenya: 4h 13m (The world's heaviest scrollers!)
🇧🇷 Brazil: 3h 32m
🇵🇭 Philippines: 3h 32m
🇳🇬 Nigeria: 3h 23m
🇮🇩 Indonesia: 3h 08m
📉 The "Focused Five" (Lowest Usage)
🇯🇵 Japan: 46 minutes (The Gold Medal for digital focus!)
🇰🇷 South Korea: 1h 14m
🇨🇭 Switzerland: 1h 30m
🇦🇹 Austria: 1h 32m
🇩🇪 Germany: 1h 41m
🌍 Where do we fit in?
🇨🇦 CANADA: 1h 46m.
🇺🇸 USA: 2h 09m.
We actually spend about 23 minutes LESS on social media than our neighbors to the south. Go Canada! 🇨🇦
The average Canadian spends 1 hour and 46 minutes every single day on apps like this one. That adds up to over 600 hours a year.
👇 Let’s be honest: Check your phone's "Screen Time" settings right now. Are you closer to Japan (46m) or Kenya (4h)?
Source: https://datareportal.com/reports/digital-2025-global-overview-report?hl=en-CA
In the Olympics, Speed Skating is all about being the fastest. But in our daily lives, there’s a different kind of race: The Social Media Sprint. While we’re watching the world's best athletes today, I looked up who spends the most time scrolling. The results might make you want to put your phone down (after you finish reading this, of course! 😉).
Here is the 2026 leaderboard for daily social media use:
🥇 The "Marathoners" (Highest Usage)
🇰🇪 Kenya: 4h 13m (The world's heaviest scrollers!)
🇧🇷 Brazil: 3h 32m
🇵🇭 Philippines: 3h 32m
🇳🇬 Nigeria: 3h 23m
🇮🇩 Indonesia: 3h 08m
📉 The "Focused Five" (Lowest Usage)
🇯🇵 Japan: 46 minutes (The Gold Medal for digital focus!)
🇰🇷 South Korea: 1h 14m
🇨🇭 Switzerland: 1h 30m
🇦🇹 Austria: 1h 32m
🇩🇪 Germany: 1h 41m
🌍 Where do we fit in?
🇨🇦 CANADA: 1h 46m.
🇺🇸 USA: 2h 09m.
We actually spend about 23 minutes LESS on social media than our neighbors to the south. Go Canada! 🇨🇦
The average Canadian spends 1 hour and 46 minutes every single day on apps like this one. That adds up to over 600 hours a year.
👇 Let’s be honest: Check your phone's "Screen Time" settings right now. Are you closer to Japan (46m) or Kenya (4h)?
Source: https://datareportal.com/reports/digital-2025-global-overview-report?hl=en-CA
February is Heart Health Month. Heart disease affects 1 in 12 Canadian adults – a reminder of why protecting both your health and your financial wellbeing matters.
Critical illness insurance can help provide financial support when you need it most, helping you focus on recovery without the added stress of financial uncertainty. Find out more. Let's connect!
Critical illness insurance can help provide financial support when you need it most, helping you focus on recovery without the added stress of financial uncertainty. Find out more. Let's connect!
Wait... does Canada really have ZERO gold?🥇
As we all settle in to watch the opening of the 2026 Winter Games, the world’s top athletes are chasing Gold. But did you know that while countries like the USA and Germany have vaults overflowing with gold bars, Canada’s vault is completely empty?
It sounds like a mistake, but it’s actually a strategic move!
Here is how the "Financial Gold Medalists" stack up for 2026:
🏆 The Top 5 (The Stashers)
USA: 8,133 Tonnes (The undisputed heavyweight!)
Germany: 3,351 Tonnes
Italy: 2,452 Tonnes
France: 2,437 Tonnes
Russia: 2,333 Tonnes
📉 The Bottom 5 (Empty Vaults)
CANADA: 0 Tonnes (Sold it all in 2016!)
Norway: 0 Tonnes
Croatia: 0 Tonnes
Azerbaijan: 0 Tonnes
Nicaragua: 0 Tonnes
🌍 What about the others?
China (#6): Buying gold faster than almost anyone else right now.
United Kingdom (#19): They have a lot less than their neighbors because they sold it years ago when prices were low!
Is it a mistake that Canada has no gold?
The truth is, Canada decided that gold bars just sit there and look pretty—they don't pay interest! So, we traded the gold for investments that actually work for us. Bold, considering the growth recently.
The Lesson for your 2026:
Your personal "vault" is the same way. Are you holding onto things just because they feel safe, or are your assets out there "competing" for you?
Source: https://www.gold.org/goldhub/data/gold-reserves-by-country?hl=en-CA
As we all settle in to watch the opening of the 2026 Winter Games, the world’s top athletes are chasing Gold. But did you know that while countries like the USA and Germany have vaults overflowing with gold bars, Canada’s vault is completely empty?
It sounds like a mistake, but it’s actually a strategic move!
Here is how the "Financial Gold Medalists" stack up for 2026:
🏆 The Top 5 (The Stashers)
USA: 8,133 Tonnes (The undisputed heavyweight!)
Germany: 3,351 Tonnes
Italy: 2,452 Tonnes
France: 2,437 Tonnes
Russia: 2,333 Tonnes
📉 The Bottom 5 (Empty Vaults)
CANADA: 0 Tonnes (Sold it all in 2016!)
Norway: 0 Tonnes
Croatia: 0 Tonnes
Azerbaijan: 0 Tonnes
Nicaragua: 0 Tonnes
🌍 What about the others?
China (#6): Buying gold faster than almost anyone else right now.
United Kingdom (#19): They have a lot less than their neighbors because they sold it years ago when prices were low!
Is it a mistake that Canada has no gold?
The truth is, Canada decided that gold bars just sit there and look pretty—they don't pay interest! So, we traded the gold for investments that actually work for us. Bold, considering the growth recently.
The Lesson for your 2026:
Your personal "vault" is the same way. Are you holding onto things just because they feel safe, or are your assets out there "competing" for you?
Source: https://www.gold.org/goldhub/data/gold-reserves-by-country?hl=en-CA
Time flies by, and tuition costs fly sky-high. 🕰️💸 When it comes to education costs for your kid(s), it pays to start early and save consistently. Small RESP contributions can add up over time.
Want to explore how to optimize saving for your child(ren)’s education? Let's chat about creating a plan that fits your family's budget. https://advisor.sunlife.ca/brock.vale/
Want to explore how to optimize saving for your child(ren)’s education? Let's chat about creating a plan that fits your family's budget. https://advisor.sunlife.ca/brock.vale/
The Winter Olympics kick off this Friday! 🎿 While we’re all rooting for Team Canada, have you ever wondered what’s actually inside those medals?
With precious metals hitting massive milestones this week, the "intrinsic value" of the podium in Canadian dollars has never been higher.
Here are the estimated values of the Olympic Medals:
🥇 GOLD: Worth approximately $3,150 CAD.
(Fun fact: the gold medals are actually 99% silver with 6g of gold plating!)
🥈 SILVER: Worth approximately $1,950 CAD.
🥉 BRONZE: Worth approximately $8.30 CAD (mostly copper).
Even with the recent market swings, these are the most valuable medals in Winter Games history. 📈📉
Source: https://www.mining.com/2026-winter-olympics-metals-price-rally-pushes-value-of-medals-above-1-3m/
With precious metals hitting massive milestones this week, the "intrinsic value" of the podium in Canadian dollars has never been higher.
Here are the estimated values of the Olympic Medals:
🥇 GOLD: Worth approximately $3,150 CAD.
(Fun fact: the gold medals are actually 99% silver with 6g of gold plating!)
🥈 SILVER: Worth approximately $1,950 CAD.
🥉 BRONZE: Worth approximately $8.30 CAD (mostly copper).
Even with the recent market swings, these are the most valuable medals in Winter Games history. 📈📉
Source: https://www.mining.com/2026-winter-olympics-metals-price-rally-pushes-value-of-medals-above-1-3m/
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