Stay informed

𝐓𝐡𝐞 𝐄𝐱𝐞𝐜𝐮𝐭𝐨𝐫'𝐬 𝐉𝐨𝐮𝐫𝐧𝐞𝐲 Webinar
𝐎𝐧𝐞 𝐃𝐚𝐲, someone you love may be counting on you to carry out their final wishes.

Would you know where to start?

🧩What You Need to Know Before Your Say Yes.
🧩From Appointment to Estate Settlement
🧩Responsibilities, Risks and Realities.
🧩When and Why to Seek Professional Support.

𝐇𝐨𝐬𝐭𝐞𝐝 𝐁𝐲:
Rossy Bustamante, CFP®️, CEA, CLU®️, MFA-P™️

𝐏𝐫𝐞𝐬𝐞𝐧𝐭𝐞𝐫:
Lori Clements, CPA, CA, CFP®️: Director, Tax & Estate Planning
Sun Life Global Investments

When: June 25,2026 • 12:00 p.m. EST
Click here to Register: https://bit.ly/4vqOvDO

Unable to attend but interested in learning more?
Visit my website and book a meeting: https://www.linkedin.com/safety/go/?url=http%3A%2F%2Fwww.rossybustamante.com&urlhash=C-zQ&mt=nf1PcNW9r3nCcmzQpvC6HGQ0YHGhswOKnD1lqtaL5VG6gnNW0Dej4Z3Q6OkKdKGuswjiikOIFe4HhScbwbripiiAww&isSdui=true&lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_view_base%3BSDFHLH6dQTulWGXrYvTtHw%3D%3D

𝐌𝐨𝐧𝐞𝐲 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧𝐬 𝐚𝐫𝐞 𝐫𝐚𝐫𝐞𝐥𝐲 𝐣𝐮𝐬𝐭 𝐚𝐛𝐨𝐮𝐭 𝐦𝐨𝐧𝐞𝐲.

They are about values, priorities, communication, lifestyle, family, retirement and the future you envision together.

𝐅𝐢𝐝𝐞𝐥𝐢𝐭𝐲’𝐬 2026 𝐂𝐨𝐮𝐩𝐥𝐞𝐬 𝐚𝐧𝐝 𝐌𝐨𝐧𝐞𝐲 𝐒𝐭𝐮𝐝𝐲 A valuable resource exploring how couples in long-term committed relationships navigate financial decisions together.

🧭Conversations today Shape your tomorrow. Let's connect.

𝐂𝐥𝐢𝐜𝐤 𝐨𝐧 𝐥𝐢𝐧𝐤 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐫𝐞𝐩𝐨𝐫𝐭.

https://click.fidelityinvestments.com/u/?qs=ABB7InYiOjEsImQiOjQ4ODh9AAQAAAAAAG39eW3dUvxDBP4Fd6qT35MAOBhWmdW1qE7aB6kCQNHfOYKv_65p5Apx3Vqtucy4KJZYgROLxS9_-8R8-_uz3F_aIytWUTRRwAeosg

𝐓𝐡𝐞 𝐰𝐨𝐫𝐥𝐝 𝐟𝐞𝐞𝐥𝐬 𝐧𝐨𝐢𝐬𝐲 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰....
𝐁𝐮𝐭...𝐭𝐡𝐢𝐬 𝐦𝐨𝐫𝐧𝐢𝐧𝐠’𝐬 𝐛𝐢𝐤𝐞 𝐫𝐢𝐝𝐞 𝐫𝐞𝐦𝐢𝐧𝐝𝐞𝐝 𝐦𝐞 𝐨𝐟 𝐬𝐨𝐦𝐞𝐭𝐡𝐢𝐧𝐠.

Markets shift.
Politics shift.
Technology shifts.
Retirement looks different than it did 20 years ago. But the fundamentals of a meaningful life haven’t changed.

🧭Move your body.
🧭Protect your peace.
🧭Stay financially aware.
🧭Keep learning.
🧭Build relationships.

𝐀𝐧𝐝 𝐧𝐞𝐯𝐞𝐫 𝐚𝐬𝐬𝐮𝐦𝐞 𝐲𝐨𝐮𝐫 𝐛𝐞𝐬𝐭 𝐲𝐞𝐚𝐫𝐬 𝐚𝐫𝐞 𝐛𝐞𝐡𝐢𝐧𝐝 𝐲𝐨𝐮.

For women especially, our 50s are not a slowdown season.They’re a season of wisdom, leverage, and intentional choices.This morning’s sunrise was a reminder that even in uncertain times, we still get to choose how we show up.

🧭Small actions.
🧭Clear mind.
🧭Forward movement...sometimes, forward movement means having those difficult conversations about money, about our future, about retirement, with ourselves and with the people we love.

That’s enough for today.

🧭As a financial planner, my goal is to help people feel more prepared and less overwhelmed when having difficult conversations.

Because today's conversations shape tomorrow. let's connect.

Happy Mother's Day🌻

𝐖𝐨𝐦𝐞𝐧 𝐚𝐫𝐞 𝐮𝐧𝐝𝐞𝐫𝐮𝐭𝐢𝐥𝐢𝐳𝐢𝐧𝐠 𝐰𝐨𝐫𝐤𝐩𝐥𝐚𝐜𝐞 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐩𝐥𝐚𝐧𝐬 𝐚𝐧𝐝 𝐫𝐞𝐭𝐢𝐫𝐞 𝐰𝐢𝐭𝐡 27% 𝐥𝐞𝐬𝐬 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐭𝐡𝐚𝐧 𝐦𝐞𝐧. (see report from Sun Life below)

“Real Stories. Real Impact” wasn’t just a title, it reflected what we discussed on the panel: the growing role of women in wealth, and the reality that confidence and access haven’t caught up to the opportunity.

𝐇𝐞𝐫𝐞 𝐢𝐬 𝐰𝐡𝐚𝐭 𝐢𝐬 𝐝𝐫𝐢𝐯𝐢𝐧𝐠 𝐭𝐡𝐞 𝐠𝐚𝐩:

📌Women are less likely to maximise employer matching (𝐟𝐫𝐞𝐞 𝐦𝐨𝐧𝐞𝐲 𝐥𝐞𝐟𝐭 𝐛𝐞𝐡𝐢𝐧𝐝)
📌The gap exists at every income level.
📌It’s more pronounced during peak years (35-44)
📌Women often contribute less, even as primary earners.
📌Financial confidence has a bigger impact than knowledge alone.

The shift happens with the right support.
Women who use planning tools and financial advice increase participation from 33% to 75%.
𝐓𝐡𝐚𝐭 𝐢𝐬 𝐭𝐡𝐞 𝐩𝐨𝐰𝐞𝐫 𝐨𝐟 𝐠𝐮𝐢𝐝𝐚𝐧𝐜𝐞, 𝐜𝐨𝐦𝐦𝐮𝐧𝐢𝐭𝐲, 𝐚𝐧𝐝 𝐫𝐞𝐚𝐥 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧𝐬.

If you are looking for clarity or not sure where to start, 𝐥𝐞𝐭'𝐬 𝐬𝐭𝐚𝐫𝐭 𝐭𝐡𝐞 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧🧭

See article for report from Sun Life on this subject.
If you are looking for clarity or not sure where to start, let’s start the conversation.
https://www.benefitscanada.com/news/bencan/women-lag-men-in-use-of-workplace-retirement-savings-plans-report/

𝐓𝐡𝐞𝐫𝐞 𝐢𝐬 𝐚 𝐪𝐮𝐢𝐞𝐭 𝐛𝐮𝐭 𝐩𝐨𝐰𝐞𝐫𝐟𝐮𝐥 𝐬𝐡𝐢𝐟𝐭 𝐡𝐚𝐩𝐩𝐞𝐧𝐢𝐧𝐠….

Over the next two decades, trillions of dollars will move into the hands of women.

This isn’t small.
It’s not increments.

It’s the largest weal transfer in history, and women are at the center of it.

𝐀𝐧𝐝 𝐲𝐞𝐭….

• Many of us were never taught how to manage wealth.
• We were not always included in financial conversations.
• We were not always given the tools to lead financially.

𝐓𝐡𝐚𝐭 𝐢𝐬 𝐰𝐡𝐲 𝐬𝐩𝐚𝐜𝐞𝐬 𝐥𝐢𝐤𝐞 𝐭𝐡𝐢𝐬 𝐦𝐚𝐭𝐭𝐞𝐫.

I am sharing an important moment with my networking group, a table of women entrepreneurs supporting each other, lifting each others business, learning together, and growing together.

A special 𝐭𝐡𝐚𝐧𝐤 𝐲𝐨𝐮 to the one and only @Tracy Smith for keeping our group connected, relevant and empowered. We are enjoying a cup of coffe @My INDIE Coffee in the Aurora Cultural Centre.

Because financial independence does not happen by accident. It happens through education, support, and intentional planning.

𝐖𝐡𝐲 𝐭𝐡𝐢𝐬 𝐦𝐚𝐭𝐭𝐞𝐫𝐬 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐞𝐯𝐞𝐫:

Many women will gain access to wealth through life transitions, inheritance, widowhood, divorce, retirement pensions. If you are not prepared, what should be an opportunity can quickly become overwhelming.

Financial knowledge creates confidence, options, and freedom. You don’t need to have all the answers, but you do need to be in the room, ask questions, and take ownership.

Because the future of wealth is increasingly female. And planning today does not just impact our lives, it shapes generations after us.

𝐈 𝐢𝐧𝐯𝐢𝐭𝐞 𝐲𝐨𝐮 𝐭𝐨 𝐬𝐭𝐚𝐫𝐭 𝐭𝐡𝐞 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧.

I can help you get ready. 𝐌𝐨𝐧𝐞𝐲 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐢𝐬 𝐟𝐫𝐞𝐞𝐝𝐨𝐦, do not let anything get in the way.

The conversations you have today, will shape your tomorrow. 𝐋𝐞𝐭’𝐬 𝐜𝐨𝐧𝐧𝐞𝐜𝐭🧭

𝐓𝐚𝐱 𝐭𝐢𝐦𝐞 𝐢𝐬 𝐚𝐥𝐬𝐨 E𝐬𝐭𝐚𝐭𝐞-P𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐭𝐢𝐦𝐞.

Reviewing your return isn't just about filing, its an opportunity to make sure everything is aligned.

𝐈𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭 𝐭𝐡𝐢𝐧𝐠𝐬 𝐭𝐨 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫:

📌Beneficiary designations on your RRSP/RRIF/ Pension Plans too often I see estate designations.

📌TFSA Tip commonly overlooked: Naming your spouse as the successor holder designation (not beneficiary) on your TFSA ensures your assets transfer seamlessly and continues without disruption.

📌Ownership Structures: Does ownership align with your intended transfer plan?

📌A planning Opportunity many miss:
Non-registered investments typically flow through your estate, but when held in a segrageted fund, you can name a beneficiary. This can help avoid probate, maintain privacy and give your greater control over how your wealth is transferred.

Interested in exploring any of these options further?

𝐋𝐞𝐭'𝐬 𝐬𝐭𝐚𝐫𝐭 𝐭𝐡𝐞 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧🧭

“𝐈𝐟 𝐲𝐨𝐮 𝐟𝐚𝐢𝐥 𝐭𝐨 𝐩𝐥𝐚𝐧, 𝐲𝐨𝐮𝐫 𝐩𝐥𝐚𝐧 𝐭𝐨 𝐟𝐚𝐢𝐥.”

In wealth planning, that couldn’t be more true. Without a clear plan, families don’t just risk inefficiency, they risk leaving behind, confusion, conflict, and a legacy of legal battles instead of a legacy of love.

The reality is, when transitions fail, it’s rarely about the technical side, it’s about lack of clarity, communication, and preparation.

𝐓𝐡𝐞 𝐠𝐨𝐨𝐝 𝐧𝐞𝐰𝐬? With the right structure in place, you can create a smooth and intentional transition.

𝐒𝐨 𝐰𝐡𝐞𝐫𝐞 𝐝𝐨 𝐲𝐨𝐮 𝐬𝐭𝐚𝐫𝐭?
Three Foundational steps of a meaningful and effective plan.

📌𝐇𝐚𝐯𝐞 𝐭𝐡𝐞 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧. As a financial planner, I am here to listen, understand what truly matters to you, and to bring your financial planning team around your vision. So, your plan reflects not just numbers, but the life and legacy you want to create.

📌𝐏𝐮𝐭 𝐭𝐡𝐞 𝐅𝐮𝐧𝐝𝐚𝐦𝐞𝐧𝐭𝐚𝐥𝐬 𝐢𝐧 𝐩𝐥𝐚𝐜𝐞: Wills, Powers of attorney, and where appropriate, trusts or other planning tools.

📌𝐑𝐞𝐯𝐢𝐬𝐢𝐭 𝐚𝐧𝐝 𝐮𝐩𝐝𝐚𝐭𝐞 𝐲𝐨𝐮𝐫 𝐩𝐥𝐚𝐧 𝐚𝐬 𝐥𝐢𝐟𝐞 𝐞𝐯𝐨𝐥𝐯𝐞𝐬.

Let’s start the conversation today🧭

𝐋𝐞𝐚𝐫𝐧𝐢𝐧𝐠. 𝐂𝐨𝐧𝐧𝐞𝐜𝐭𝐢𝐧𝐠. 𝐄𝐱𝐩𝐚𝐧𝐝𝐢𝐧𝐠. 𝐂𝐞𝐥𝐞𝐛𝐫𝐚𝐭𝐢𝐧𝐠.
This is the rhythm of growth.

I am grateful to have participated at our recent Sun Life event in Tulum, Mexico, one that reminded me how powerful it is to be in spaces that challenge you, inspire you, and support your growth.

I am deeply thankful to each one of my clients and mentors for being part of my journey. None of this would be possible without your trust and guidance. I am also incredibly grateful to my children, Nataly and Andres my engine, my motivation, and my inspiration.

Moments like these are not just milestones they are learning experiences that expand our vision, strengthen our purpose, and remind us why we do what we do.

𝐎𝐮𝐫 𝐂𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧𝐬 𝐓𝐨𝐝𝐚𝐲 𝐒𝐡𝐚𝐩𝐞 𝐎𝐮𝐫 𝐓𝐨𝐦𝐨𝐫𝐫𝐨𝐰🧭

"Without financial freedom, there is no other freedom."

𝐆𝐚𝐢𝐧𝐢𝐧𝐠 𝐩𝐞𝐫𝐬𝐩𝐞𝐜𝐭𝐢𝐯𝐞 𝐭𝐡𝐫𝐨𝐮𝐠𝐡 𝐧𝐚𝐭𝐮𝐫𝐞. 𝘚𝘰𝘮𝘦 𝘵𝘩𝘰𝘶𝘨𝘩𝘵𝘴 𝘵𝘰 𝘩𝘦𝘭𝘱 𝘺𝘰𝘶 𝘴𝘵𝘢𝘺 𝘢𝘤𝘩𝘰𝘳𝘦𝘥 𝘥𝘶𝘳𝘪𝘯𝘨 𝘮𝘢𝘳𝘬𝘦𝘵 𝘷𝘰𝘭𝘢𝘵𝘪𝘭𝘪𝘵𝘺.

🦋Don’t let fear take over your portfolio. Don’t fall into the trap of selling low and buying high.
🦋Think differently, discipline over emotion. When it comes to investments you have to process information in the opposite direction. You would not sell your house when the market is down…so why treat your investments any differently.

🦋Lean on the strategy that was designed for you to withstand the ups and downs of the market. Because volatility also brings opportunity.
Focus on what you can control, that is where you make the biggest impact. Look around you. Your neighbours, family, friends….

🦋In times like this, we can’t control the bigger geopolitical picture, but we can take of ourselves and the people around us. That also means stepping away from the noise, not letting the constant negative headlines weigh on your mind.

🦋Find your calm within the chaos. Take a hike, reconnect with nature. Sometimes, stepping back is the best way forward🧭

𝐎𝐮𝐫 𝐂𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧𝐬 𝐓𝐨𝐝𝐚𝐲 𝐒𝐡𝐚𝐩𝐞 𝐎𝐮𝐫 𝐓𝐨𝐦𝐨𝐫𝐫𝐨𝐰. 𝐍𝐞𝐞𝐝 𝐬𝐨𝐦𝐞 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐚𝐧𝐝 𝐝𝐢𝐫𝐞𝐜𝐭𝐢𝐨𝐧, 𝐋𝐞𝐭𝐬 𝐬𝐭𝐚𝐫𝐭 𝐭𝐡𝐞 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧.🧭

𝐀𝐬 𝐰𝐞 𝐧𝐚𝐯𝐢𝐠𝐚𝐭𝐞 𝐭𝐡𝐞 𝐜𝐮𝐫𝐫𝐞𝐧𝐭 𝐠𝐞𝐨𝐩𝐨𝐥𝐢𝐭𝐢𝐜𝐚𝐥 𝐜𝐨𝐧𝐟𝐥𝐢𝐜𝐭 𝐢𝐧𝐯𝐨𝐥𝐯𝐢𝐧𝐠 𝐭𝐡𝐞 𝐔.𝐒, 𝐈𝐬𝐫𝐚𝐞𝐥 𝐚𝐧𝐝 𝐈𝐫𝐚𝐧, markets are reacting to increased uncertainty. While volatility can be uncomfortable, history shows that geopolitical events often have created temporary disruptions rather than long-term market damage.

𝐖𝐡𝐚𝐭 𝐡𝐢𝐬𝐭𝐨𝐫𝐲 𝐬𝐡𝐨𝐰𝐬

• Historically, equity markets have recovered within the following 12-month period.
• We have experienced 31 major geopolitical events from 1939 to 2024

Positive: 25 Events (81%) Average 12-Month Return +15.3%
Negative: 6 Events (19%) Average Selloff - 5.9%

Geopolitical tensions have been a recurring part of global market history. Markets have navigated world wars, regional conflicts, political crisis and economic shocks over many decades.
Attempting to react to every headline or time market movements during uncertain periods can often lead to miss the recovery that historically follows the periods of volatility.

“𝐈’𝐦 𝐫𝐞𝐭𝐢𝐫𝐞𝐝.”
“𝐈 𝐝𝐨𝐧’𝐭 𝐡𝐚𝐯𝐞 𝐚 𝐥𝐨𝐧𝐠 𝐫𝐮𝐧𝐰𝐚𝐲.”
“𝐇𝐨𝐰 𝐝𝐨𝐞𝐬 𝐦𝐚𝐫𝐤𝐞𝐭 𝐯𝐨𝐥𝐚𝐭𝐢𝐥𝐢𝐭𝐲 𝐚𝐟𝐟𝐞𝐜𝐭 𝐭𝐡𝐞 𝐥𝐨𝐧𝐠𝐞𝐯𝐢𝐭𝐲 𝐨𝐟 𝐦𝐲 𝐩𝐨𝐫𝐭𝐟𝐨𝐥𝐢𝐨.”
“𝐀𝐦 𝐈 𝐠𝐨𝐢𝐧𝐠 𝐭𝐨 𝐛𝐞 𝐨𝐤𝐚𝐲?”

These are some of the questions many of my clients are asking.

𝐎𝐮𝐫 𝐀𝐩𝐩𝐫𝐨𝐚𝐜𝐡

🧭Portfolios are constructed with diversified, dividend-generating investments designed to provide income while helping manage market volatility.
🧭Dividend income continues to support retirement cash flow.
🧭Diversification across sectors and asset classes helps reduce the impact of market swings.

This approach helps provide stability and income while still allowing participation in long-term market growth. 𝐀 𝐤𝐞𝐲 𝐜𝐨𝐦𝐩𝐨𝐧𝐞𝐧𝐭 𝐭𝐨 𝐩𝐨𝐫𝐭𝐟𝐨𝐥𝐢𝐨 𝐥𝐨𝐧𝐠𝐞𝐯𝐢𝐭𝐲.

🧭History reminds us that while markets may react to geopolitical events in the short-term they have consistently demonstrated the ability to recover and move forward over time.
🧭Periods of uncertainty can create volatility but they also reinforce the importance of maintaining a discipline long-term investment approach.

As always, we continue to monitor developments closely and ensure portfolios remain aligned with each client's individual financial goals and retirement strategy.

𝐌𝐲 𝐠𝐨𝐚𝐥 𝐢𝐬 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐜𝐫𝐞𝐚𝐭𝐞 𝐰𝐞𝐚𝐥𝐭𝐡 𝐭𝐨𝐝𝐚𝐲 𝐰𝐡𝐢𝐥𝐞 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐚 𝐥𝐞𝐠𝐚𝐜𝐲 𝐟𝐨𝐫 𝐭𝐨𝐦𝐨𝐫𝐫𝐨𝐰🧭

Volatility is part of every market cycle. The difference is how investors respond. Staying grounded in priciples, not emotions is key.

Here are six tips to help navigate market volatility provided by Fidelity. Click link below to read full article.

"1. Keep perspective: Downturns are normal
2. Get a plan you can live with – through market ups and downs
3. Focus on time in the market – not trying to time the market
4. Invest consistently, even in bad times
4. Invest consistently, even in bad times
6. Consider a hands-off approach"

https://www.fidelity.com/viewpoints/investing-ideas/six-tips

Have a great week.🧭

Today, on 𝐈𝐧𝐭𝐞𝐫𝐧𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐖𝐨𝐦𝐞𝐧’𝐬 𝐃𝐚𝐲 I invite you to reflect on the strength, resilience, and incredible contributions of women around the world.

So many women throughout history have broken barriers and opened doors, not because they wanted to be the only woman in the room, but because they believed there should be many more.

Imagine a future where women don't have to be exceptional just to belong. A world where leadership, opportunity and recognition are shared spaces, where women are not the only voice at the table but one of many.

The theme “𝐆𝐢𝐯𝐞 𝐭𝐨 𝐆𝐚𝐢𝐧” reminds us that when we lift each other, share our knowledge, and support one another, regardless of gender, we all rise as a community.

Let’s continue building a world where women are empowered, opportunities are abundant, and women are one of many, not the only one.

#Give to Gain | #IWD2026