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Four common misgivings about therapy, according to a therapist

Four common misgivings about therapy, according to a therapist

I was having a conversation with my friend Kelly Garbe about how I manage stress as a businessperson, and it gave me a chance to pause and reflect. I have learned over the years the hard way that ๐ฌ๐ž๐ฅ๐Ÿ-๐œ๐š๐ซ๐ž and ๐ฌ๐ž๐ฅ๐Ÿ ๐ฅ๐จ๐ฏ๐ž ๐š๐ซ๐ž ๐ง๐จ๐ญ ๐จ๐ง๐ž-๐ญ๐ข๐ฆ๐ž ๐๐ž๐œ๐ข๐ฌ๐ข๐จ๐ง๐ฌ. They are ๐ฅ๐ข๐Ÿ๐ž๐ฅ๐จ๐ง๐  ๐ฃ๐จ๐ฎ๐ซ๐ง๐ž๐ฒ๐ฌ.

I came across this article in The Globe and Mail, and I feel compelled to share it. We are living in a time where open conversations about mental health are possible and necessary.

The article raises some very real questions many of us have asked ourselves. One that struck me deeply was:

โ€œ๐–๐ก๐š๐ญโ€™๐ฌ ๐ญ๐ก๐ž ๐ฉ๐จ๐ข๐ง๐ญ ๐จ๐Ÿ ๐ญ๐š๐ฅ๐ค๐ข๐ง๐  ๐š๐›๐จ๐ฎ๐ญ ๐ฆ๐ฒ ๐ฉ๐ซ๐จ๐›๐ฅ๐ž๐ฆ๐ฌ?
๐˜–๐˜ถ๐˜ณ ๐˜ข๐˜ฃ๐˜ช๐˜ญ๐˜ช๐˜ต๐˜บ ๐˜ต๐˜ฐ ๐˜ท๐˜ฆ๐˜ณ๐˜ฃ๐˜ข๐˜ญ๐˜ญ๐˜บ ๐˜ค๐˜ฐ๐˜ฎ๐˜ฎ๐˜ถ๐˜ฏ๐˜ช๐˜ค๐˜ข๐˜ต๐˜ฆ ๐˜ฐ๐˜ถ๐˜ณ ๐˜ฏ๐˜ฆ๐˜ฆ๐˜ฅ๐˜ด ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฆ๐˜ฎ๐˜ฐ๐˜ต๐˜ช๐˜ฐ๐˜ฏ๐˜ข๐˜ญ ๐˜ฆ๐˜น๐˜ฑ๐˜ฆ๐˜ณ๐˜ช๐˜ฆ๐˜ฏ๐˜ค๐˜ฆ๐˜ด ๐˜ช๐˜ด ๐˜ฐ๐˜ฏ๐˜ฆ ๐˜ฐ๐˜ง ๐˜ต๐˜ฉ๐˜ฆ ๐˜ฎ๐˜ฐ๐˜ด๐˜ต ๐˜ฑ๐˜ฐ๐˜ธ๐˜ฆ๐˜ณ๐˜ง๐˜ถ๐˜ญ ๐˜ต๐˜ฐ๐˜ฐ๐˜ญ๐˜ด ๐˜ธ๐˜ฆ ๐˜ฉ๐˜ข๐˜ท๐˜ฆ ๐˜ข๐˜ด ๐˜ฉ๐˜ถ๐˜ฎ๐˜ข๐˜ฏ ๐˜ฃ๐˜ฆ๐˜ช๐˜ฏ๐˜จ๐˜ด. ๐˜•๐˜ข๐˜ฎ๐˜ช๐˜ฏ๐˜จ ๐˜ฐ๐˜ถ๐˜ณ ๐˜ฑ๐˜ข๐˜ช๐˜ฏ ๐˜ฅ๐˜ฐ๐˜ฆ๐˜ด ๐˜ฏ๐˜ฐ๐˜ต ๐˜ฎ๐˜ข๐˜ฌ๐˜ฆ ๐˜ถ๐˜ด ๐˜ธ๐˜ฆ๐˜ข๐˜ฌ, ๐˜ช๐˜ต ๐˜ฎ๐˜ข๐˜ฌ๐˜ฆ๐˜ด ๐˜ถ๐˜ด ๐˜ข๐˜ธ๐˜ข๐˜ณ๐˜ฆ.โ€

I have learned that self-love is a superpower, and that success in anything in life begins there.

Health and Wealth are intertwined.
๐‘จ ๐’„๐’๐’๐’—๐’†๐’“๐’”๐’‚๐’•๐’Š๐’๐’ ๐’•๐’๐’…๐’‚๐’š ๐’„๐’‚๐’ ๐’”๐’‰๐’‚๐’‘๐’† ๐’š๐’๐’–๐’“ ๐’•๐’๐’Ž๐’๐’“๐’“๐’๐’˜.
Having difficult conversations at the begining, builds trust, prevents conflict, and sets the foundation for both financial success and family harmony.
Why Dividends Matter to Investors

Why Dividends Matter to Investors

Dividends may not make flashy headlines, but they remain one of the ๐ฆ๐จ๐ฌ๐ญ ๐๐ž๐ฉ๐ž๐ง๐๐š๐›๐ฅ๐ž ๐ฐ๐š๐ฒ๐ฌ to earn ๐š ๐ซ๐ž๐ญ๐ฎ๐ซ๐ง ๐จ๐ง ๐ฒ๐จ๐ฎ๐ซ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญ๐ฌ.

I often hear, โ€œ๐˜'๐˜ฎ ๐˜ท๐˜ฆ๐˜ณ๐˜บ ๐˜ค๐˜ฐ๐˜ฏ๐˜ด๐˜ฆ๐˜ณ๐˜ท๐˜ข๐˜ต๐˜ช๐˜ท๐˜ฆ, ๐˜ ๐˜ฅ๐˜ฐ๐˜ฏ'๐˜ต ๐˜ญ๐˜ช๐˜ฌ๐˜ฆ ๐˜ณ๐˜ช๐˜ด๐˜ฌ, ๐˜ต๐˜ฉ๐˜ข๐˜ต'๐˜ด ๐˜ธ๐˜ฉ๐˜บ ๐˜ ๐˜ฌ๐˜ฆ๐˜ฆ๐˜ฑ ๐˜ฎ๐˜บ ๐˜ฎ๐˜ฐ๐˜ฏ๐˜ฆ๐˜บ ๐˜ฐ๐˜ฏ ๐˜Ž๐˜๐˜Šโ€™๐˜ด.โ€ ๐๐ฎ๐ญ ๐ก๐ž๐ซ๐ž ๐ข๐ฌ ๐ญ๐ก๐ž ๐ญ๐ซ๐ฎ๐ญ๐ก: being too conservative can be the biggest risk of all.

Dividends offer a balanced way to grow your wealth, provide income, and protect against inflation without taking an unnecessary risk.

This articles a great read on ๐ฐ๐ก๐š๐ญ ๐๐ข๐ฏ๐ข๐๐ž๐ง๐๐ฌ ๐š๐ซ๐ž ๐š๐ง๐ ๐ก๐จ๐ฐ ๐ญ๐ก๐ž๐ฒ ๐ฐ๐จ๐ซ๐ค perfect for anyone looking to strengthen their financial knowledge.

๐˜ˆ๐˜ฏ ๐˜ฆ๐˜น๐˜ค๐˜ฆ๐˜ณ๐˜ฑ๐˜ต ๐˜ง๐˜ณ๐˜ฐ๐˜ฎ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ข๐˜ณ๐˜ต๐˜ช๐˜ค๐˜ญ๐˜ฆ ๐˜ฃ๐˜ฆ๐˜ญ๐˜ฐ๐˜ธ:
โ€œ๐–๐ก๐ฒ ๐ƒ๐ข๐ฏ๐ข๐๐ž๐ง๐๐ฌ ๐€๐ฉ๐ฉ๐ž๐š๐ฅ ๐ญ๐จ ๐ˆ๐ง๐ฏ๐ž๐ฌ๐ญ๐จ๐ซ๐ฌ
Dividends may appeal to investors for several reasons:
๐ˆ๐ง๐œ๐จ๐ฆ๐ž-๐ฌ๐ž๐ž๐ค๐ข๐ง๐  ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐จ๐ซ๐ฌ, such as conservative investors or retirees, may be seeking regular cash flow and financial stability.
Investors using a dividend reinvestment plan (DRIP), which reinvests payouts to compound growth. ๐‘๐ž๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ž๐ ๐๐ข๐ฏ๐ข๐๐ž๐ง๐๐ฌ ๐š๐œ๐œ๐ž๐ฅ๐ž๐ซ๐š๐ญ๐ž ๐ญ๐ก๐ž "๐ฉ๐š๐ฒ๐›๐š๐œ๐ค" on your investment, creating a long-term compounding effect that can help grow your wealth even further.
๐ˆ๐ง๐ฏ๐ž๐ฌ๐ญ๐จ๐ซ๐ฌ ๐ฌ๐ž๐ž๐ค๐ข๐ง๐  ๐ฅ๐จ๐ฐ๐ž๐ซ ๐ฏ๐จ๐ฅ๐š๐ญ๐ข๐ฅ๐ข๐ญ๐ฒ โ€”dividend-paying stocks tend to be more stable and hedge better during downturns compared with non-dividend-paying stocks.โ€
Thoughtful planning creates balance.

๐Ÿ“ŒDividends can help you enjoy your wealth today while securing your legacy for tomorrow. ๐‹๐ž๐ญโ€™๐ฌ ๐œ๐จ๐ง๐ง๐ž๐œ๐ญ ๐ญ๐จ ๐๐ข๐ฌ๐œ๐จ๐ฏ๐ž๐ซ ๐ญ๐ก๐ž ๐Ÿ๐ฎ๐ฅ๐ฅ ๐ฉ๐จ๐ญ๐ž๐ง๐ญ๐ข๐š๐ฅ ๐๐ข๐ฏ๐ข๐๐ž๐ง๐๐ฌ ๐œ๐š๐ง ๐›๐ซ๐ข๐ง๐  ๐ญ๐จ ๐ฒ๐จ๐ฎ๐ซ ๐ฉ๐ฅ๐š๐ง.


https://www.investopedia.com/why-dividends-matter-to-investors-11809301#:~:text=The%20Bottom%20Line-,Why%20Dividends%20Matter%20to%20Investors,-From%20income%20to
It's not about avoiding the storms, it's about preparing for them. What keeps your vehicle steady through rough roads? Shock absorbers. In investing, those are the strategies and safegurdad you build in, to soften the impact and keep moving forward.
When It comes to Investing two power emotions take over Fear and Greed... They both cloud our judgement...
4 Behavioral Biases and How To Avoid Them

4 Behavioral Biases and How To Avoid Them

4 ๐๐ž๐ก๐š๐ฏ๐ข๐จ๐ซ๐š๐ฅ ๐๐ข๐š๐ฌ๐ž๐ฌ ๐š๐ง๐ ๐‡๐จ๐ฐ ๐“๐จ ๐€๐ฏ๐จ๐ข๐ ๐“๐ก๐ž๐ฆ
A great article: Part of the Series ๐๐ž๐ก๐š๐ฏ๐ข๐จ๐ซ๐š๐ฅ ๐…๐ข๐ง๐š๐ง๐œ๐ž worth the read, trust me on this one.

๐ŸšฉOverconfidence
๐ŸšฉRegret
๐ŸšฉLimited Attention Spam
๐ŸšฉChasing Trends - this one, I often see and the hardest for many clients to detach from. It's tempting to follow the crowd, but this article reminds us:

"๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐ฐ๐š๐ง๐ญ ๐ญ๐จ ๐ž๐ฑ๐ฉ๐ฅ๐จ๐ข๐ญ ๐ฆ๐š๐ซ๐ค๐ž๐ญ ๐ข๐ง๐ž๐Ÿ๐Ÿ๐ข๐œ๐ข๐ž๐ง๐œ๐ฒ, ๐ญ๐š๐ค๐ž ๐ญ๐ก๐ž ๐–๐š๐ซ๐ซ๐ž๐ง ๐๐ฎ๐Ÿ๐Ÿ๐ž๐ญ๐ญ ๐š๐ฉ๐ฉ๐ซ๐จ๐š๐œ๐ก: ๐›๐ฎ๐ฒ ๐ฐ๐ก๐ž๐ง ๐จ๐ญ๐ก๐ž๐ซ๐ฌ ๐š๐ซ๐ž ๐Ÿ๐ž๐š๐ซ๐Ÿ๐ฎ๐ฅ ๐š๐ง๐ ๐ฌ๐ž๐ฅ๐ฅ ๐ฐ๐ก๐ž๐ง ๐ญ๐ก๐ž๐ฒ'๐ซ๐ž ๐œ๐จ๐ง๐Ÿ๐ข๐๐ž๐ง๐ญ. ๐…๐จ๐ฅ๐ฅ๐จ๐ฐ๐ข๐ง๐  ๐ญ๐ก๐ž ๐ก๐ž๐ซ๐ ๐ซ๐š๐ซ๐ž๐ฅ๐ฒ ๐ฉ๐ซ๐จ๐๐ฎ๐œ๐ž๐ฌ ๐ฅ๐š๐ซ๐ ๐ž-๐ฌ๐œ๐š๐ฅ๐ž ๐ ๐š๐ข๐ง๐ฌ."

Investing is not about reacting to noise, it's about staying grounded in your strategy.
๐ƒ๐จ๐ž๐ฌ ๐ข๐ญ ๐ซ๐ž๐ฌ๐จ๐ง๐š๐ญ๐ž ๐ฐ๐ข๐ญ๐ก ๐ฒ๐จ๐ฎ? ๐‘ฐ๐’” ๐’š๐’๐’–๐’“ ๐’‘๐’๐’“๐’•๐’‡๐’๐’๐’Š๐’ ๐’ƒ๐’–๐’Š๐’๐’… ๐’‡๐’๐’“ ๐’Ž๐’๐’Ž๐’†๐’๐’•๐’–๐’Ž ๐’๐’“ ๐’Ž๐’†๐’‚๐’๐’Š๐’๐’ˆ?

๐‹๐ž๐ญ'๐ฌ ๐œ๐จ๐ง๐ง๐ž๐œ๐ญ and make sure it's reflecting you, and not just moving along without a clear direction. ๐ˆ ๐œ๐š๐ง ๐ก๐ž๐ฅ๐ฉ.

https://www.investopedia.com/articles/investing/050813/4-behavioral-biases-and-how-avoid-them.asp#:~:text=4%20Behavioral%20Biases%20and%20How%20To%20Avoid%20Them
Retirement isn't just about having enough money, its about having enough connections...Let's talk about your social portfolio...
Financial Markets: When Fear and Greed Take Over

Financial Markets: When Fear and Greed Take Over

๐–๐ก๐ž๐ง ๐…๐ž๐š๐ซ ๐š๐ง๐ ๐†๐ซ๐ž๐ž๐ ๐“๐š๐ค๐ž ๐Ž๐ฏ๐ž๐ซ

This is a fascinating read on how emotions can hijack our decision-making during times of market volitility. Its part of a powerful series on ๐๐ž๐ก๐š๐ฏ๐ข๐จ๐ฎ๐ซ๐š๐ฅ ๐…๐ข๐ง๐š๐ง๐œ๐ž, which I'll be sharing more of in the coming weeks.
Worth the read, especially if you've ever wondered why you react the way you do when it comes to investing.

"๐Š๐ž๐ฒ ๐“๐š๐ค๐ž๐š๐ฐ๐š๐ฒ๐ฌ:

๐Ÿ“ŒLetting emotions govern investment behavior often leads to irrational decision-making that can cost you dearly.
๐Ÿ“ŒIt's usually best to ignore the trend at the momentโ€”whether bullish or bearishโ€”and stick to a long-term plan based on sound fundamentals.
๐Ÿ“ŒIt's also critical to understand how risk-sensitive you are and to set your asset allocations accordingly when fear and greed grip the market."

๐ˆ๐ญ ๐ข๐ญ ๐ซ๐ž๐ฌ๐จ๐ง๐š๐ญ๐ž๐ฌ ๐ฐ๐ข๐ญ๐ก ๐ฒ๐จ๐ฎ. ๐‹๐ž๐ญ'๐ฌ ๐œ๐จ๐ง๐ง๐ž๐œ๐ญ. ๐ˆ ๐œ๐š๐ง ๐ก๐ž๐ฅ๐ฉ ๐ฆ๐š๐ค๐ž ๐ฒ๐จ๐ฎ๐ซ ๐๐ž๐œ๐ข๐ฌ๐ข๐จ๐ง๐ฌ ๐ฐ๐ข๐ญ๐ก ๐œ๐ฅ๐š๐ซ๐ข๐ญ๐ฒ, ๐ง๐จ๐ญ ๐Ÿ๐ž๐š๐ซ.

https://www.investopedia.com/articles/01/030701.asp#:~:text=just%20two%20emotions%3A-,fear%20and%20greed.,-Although%20this%20is
The world has evolved, economies shifts constantly, industries transform and Innovation moves faster than ever.
Has your portfolio has kept up?
Mortgage-free retirement? Not so for 29% of soon-to-be retirees - National | Globalnews.ca

Mortgage-free retirement? Not so for 29% of soon-to-be retirees - National | Globalnews.ca

โ€œThis generation is far more likely to have carried mortgage balances that would have been unimaginable to their parents or grandparents,โ€ said Phil Soper, CEO of Royal LePage.

โ€œOur research confirms they are also much more likely to have provided financial assistance to their children to assist in their home ownership dreams,โ€

โ€œDownsizing in retirement is far from a given. For many homeowners, the decision to stay put or move to a smaller property is influenced by a combination of economic realities, lifestyle needs, and personal attachments,โ€

As I read this article, I am reminded how essential is to ๐ฉ๐ฅ๐š๐ง ๐ข๐ง๐ญ๐ž๐ง๐ญ๐ข๐จ๐ง๐š๐ฅ๐ฅ๐ฒ ๐Ÿ๐จ๐ซ ๐ซ๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ, no matter where you are in your journey. What's clear is this: there is no๐จ๐ง๐ž-๐ฌ๐ข๐ณ๐ž-๐Ÿ๐ข๐ญ๐ฌ-๐š๐ฅ๐ฅ ๐š๐ฉ๐ฉ๐ซ๐จ๐š๐œ๐ก. But with proper planning and the right guidance, you can design a retirement strategy that supports your values, lifestyle, and long-term peace of mind; even in you are still carrying a mortgage.

Take a moment to read this article and reflect: what does your ideal retirement look like, and are you on track to get there?
๐‹๐ž๐ญ'๐ฌ ๐œ๐จ๐ง๐ง๐ž๐œ๐ญ so we can find the right course of action tailored to your goals, mortgage or not.

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We are contracted with Sun Life Financial Distributors (Canada) Inc., a member of the Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.