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Don't leave the future of your finances to chance. Planning for income in retirement can help you:
• minimize taxes
• maximize your retirement income
• ensure your savings last

Let's connect to create a personalized strategy for you. Together, we'll take a look at all your income sources and create a roadmap to help you live out your retirement dreams. Start planning for income in retirement and unlock a lifetime of financial peace of mind. Get in touch today.

#RetirementPlanning #FinancialSecurity #SunLifeOnePlan

It's time to turn your retirement dreams into reality.

Reach out now to start mapping out your retirement strategy and help pave the way for lasting financial confidence!

You've worked hard to build your success. Now it's time to make your money work even harder for you and your loved ones. Discover how creating a financial roadmap can help you optimize your wealth through tax-efficient strategies and maximize retirement benefits. Ready to take your investment plans to the next level? Let's connect and create a comprehensive strategy tailored to your unique goals and aspirations.

#WealthManagement #FinancialRoadmap #SunLifeOnePlan

Tips for saving at the Grocery Store:

- Make a list and stick to it!
- Compare prices between stores and brands
- Take advantage of discounts
- Buy in bulk when it makes sense
- Plan ahead for meals and snacks
- Don't shop when you are hungry!

As your advisor, I'm here to help you build and strengthen your financial foundation.

It’s easy to overspend when you don’t track your monthly finances. Here are a few common spending triggers that can cause us to buy non-essential items:

- Sales and discounts
- Payday spending
- Paying with your phone
- Social media influence

If you wonder where your paycheck is going at the end of each month, reach out and we can figure it out together.

How much money do you actually need when you retire? Well, it depends on your circumstances and goals. Will you have house payments? Do you want to travel?

Let’s assess your goals to help ensure your financial roadmap helps you get there.

Small steps can lead to big wins when it comes to your financial future. Start building a solid foundation with smart strategies for debt management, investing and automated savings. Your future self will thank you.

Let’s connect to discuss how we can work together to create a personalized financial roadmap that’s tailored to your life goals.

#FinancialRoadmap #SunLifeOnePlan #PersonalWealth

💡 Big change coming for NSF fees in Canada


Starting March 12, 2026, federal regulations will cap NSF (non-sufficient funds) fees at $10 per incident for personal bank accounts.

The rules also mean:

• Banks can only charge one NSF fee every two business days

• No NSF fee at all if your account is overdrawn by less than $10

These changes were officially approved in 2025 and come from amendments to the Financial Consumer Protection Framework Regulations under the Bank Act.

What a huge win for consumers!

Paying off student loans?

Get in touch to see how paying down your loans can fit into your overall financial roadmap.

I hope you all enjoy the end of the Summer and your long weekend ahead.

If you’re looking for something to do, some of the best Canadian Football rivalries are this weekend. Get yourself ready for NFL to start next week by tuning into a game.

I’ll be out of the office on Monday cheering on the gold and black.

Parents, grandparents, relatives and friends can contribute money into an RESP (up to a lifetime contribution of $50,000 per child).

Get in touch to set up an RESP for your child.

When inflation rises during retirement, it's important to take proactive steps to protect your purchasing power and financial stability. Here are some strategies to consider:

- Diversify your investment portfolio
- Reassess your withdrawal strategy
- Look for senior discounts
- Delay old age benefits, if possible

Remember, the key is to be proactive and adaptable. Reach out to review your financial situation and make necessary adjustments.

One year ago today, I gave my two weeks’ notice and walked away from a comfortable investment role at the local credit union.
At the time, I wasn’t completely sure what the next chapter would look like — but I knew I wanted to do much more.

In September of 2024, I completed all of my extra licensing requirements. Then, after a few months of waiting for my licenses to transfer, I officially signed the papers to start my own practice with Sun Life in February 2025.

Now, seven months into this new chapter, I’ve hit the goal that mattered most to me:
✅ Becoming a confident, holistic advisor.

That’s rare in our industry — and it’s something I’m proud of. I knew early on that if I wanted to truly serve my clients, I couldn’t just focus on investment returns. I needed to also help protect what they’re building — their income, their families, and their futures.

One of the ways that I know that I am on the right path is the fact that I have had many people in my life show confidence in me by transferring their retirement savings to my firm for their investments to be looked after by someone they trust.

What’s kept me motivated during this journey is something that most people don’t think about when they hear “insurance”. I’ve started handling my first few death claims.
It’s not something I look forward to — but delivering a cheque to a grieving family has powerfully reminded me why I do this work.
It’s not about the dollar amount.
It’s about giving people the space to grieve without worrying about work, bills, or survival.
It’s about dignity, time, and breathing room during the hardest moments of life.
That’s the impact I want to keep making.

Thank you to everyone who has trusted me with that responsibility so far. I’m just getting started. 👊

Brock Vale

Check out these tips to help your retirement savings go farther:

- Maximize government benefits
- Manage withdrawals from RRSPs to minimize taxes
- Consider downsizing your house
- Understand healthcare coverage

Let’s chat and explore your options.