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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 ๐ฌ๐๐ฅ๐-๐๐๐ซ๐ and ๐ฌ๐๐ฅ๐ ๐ฅ๐จ๐ฏ๐ ๐๐ซ๐ ๐ง๐จ๐ญ ๐จ๐ง๐-๐ญ๐ข๐ฆ๐ ๐๐๐๐ข๐ฌ๐ข๐จ๐ง๐ฌ. They are ๐ฅ๐ข๐๐๐ฅ๐จ๐ง๐ ๐ฃ๐จ๐ฎ๐ซ๐ง๐๐ฒ๐ฌ.
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:
โ๐๐ก๐๐ญโ๐ฌ ๐ญ๐ก๐ ๐ฉ๐จ๐ข๐ง๐ญ ๐จ๐ ๐ญ๐๐ฅ๐ค๐ข๐ง๐ ๐๐๐จ๐ฎ๐ญ ๐ฆ๐ฒ ๐ฉ๐ซ๐จ๐๐ฅ๐๐ฆ๐ฌ?
๐๐ถ๐ณ ๐ข๐ฃ๐ช๐ญ๐ช๐ต๐บ ๐ต๐ฐ ๐ท๐ฆ๐ณ๐ฃ๐ข๐ญ๐ญ๐บ ๐ค๐ฐ๐ฎ๐ฎ๐ถ๐ฏ๐ช๐ค๐ข๐ต๐ฆ ๐ฐ๐ถ๐ณ ๐ฏ๐ฆ๐ฆ๐ฅ๐ด ๐ข๐ฏ๐ฅ ๐ฆ๐ฎ๐ฐ๐ต๐ช๐ฐ๐ฏ๐ข๐ญ ๐ฆ๐น๐ฑ๐ฆ๐ณ๐ช๐ฆ๐ฏ๐ค๐ฆ๐ด ๐ช๐ด ๐ฐ๐ฏ๐ฆ ๐ฐ๐ง ๐ต๐ฉ๐ฆ ๐ฎ๐ฐ๐ด๐ต ๐ฑ๐ฐ๐ธ๐ฆ๐ณ๐ง๐ถ๐ญ ๐ต๐ฐ๐ฐ๐ญ๐ด ๐ธ๐ฆ ๐ฉ๐ข๐ท๐ฆ ๐ข๐ด ๐ฉ๐ถ๐ฎ๐ข๐ฏ ๐ฃ๐ฆ๐ช๐ฏ๐จ๐ด. ๐๐ข๐ฎ๐ช๐ฏ๐จ ๐ฐ๐ถ๐ณ ๐ฑ๐ข๐ช๐ฏ ๐ฅ๐ฐ๐ฆ๐ด ๐ฏ๐ฐ๐ต ๐ฎ๐ข๐ฌ๐ฆ ๐ถ๐ด ๐ธ๐ฆ๐ข๐ฌ, ๐ช๐ต ๐ฎ๐ข๐ฌ๐ฆ๐ด ๐ถ๐ด ๐ข๐ธ๐ข๐ณ๐ฆ.โ
I have learned that self-love is a superpower, and that success in anything in life begins there.
Health and Wealth are intertwined.
๐จ ๐๐๐๐๐๐๐๐๐๐๐๐ ๐๐๐ ๐๐ ๐๐๐ ๐๐๐๐๐ ๐๐๐๐ ๐๐๐๐๐๐๐๐.
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:
โ๐๐ก๐๐ญโ๐ฌ ๐ญ๐ก๐ ๐ฉ๐จ๐ข๐ง๐ญ ๐จ๐ ๐ญ๐๐ฅ๐ค๐ข๐ง๐ ๐๐๐จ๐ฎ๐ญ ๐ฆ๐ฒ ๐ฉ๐ซ๐จ๐๐ฅ๐๐ฆ๐ฌ?
๐๐ถ๐ณ ๐ข๐ฃ๐ช๐ญ๐ช๐ต๐บ ๐ต๐ฐ ๐ท๐ฆ๐ณ๐ฃ๐ข๐ญ๐ญ๐บ ๐ค๐ฐ๐ฎ๐ฎ๐ถ๐ฏ๐ช๐ค๐ข๐ต๐ฆ ๐ฐ๐ถ๐ณ ๐ฏ๐ฆ๐ฆ๐ฅ๐ด ๐ข๐ฏ๐ฅ ๐ฆ๐ฎ๐ฐ๐ต๐ช๐ฐ๐ฏ๐ข๐ญ ๐ฆ๐น๐ฑ๐ฆ๐ณ๐ช๐ฆ๐ฏ๐ค๐ฆ๐ด ๐ช๐ด ๐ฐ๐ฏ๐ฆ ๐ฐ๐ง ๐ต๐ฉ๐ฆ ๐ฎ๐ฐ๐ด๐ต ๐ฑ๐ฐ๐ธ๐ฆ๐ณ๐ง๐ถ๐ญ ๐ต๐ฐ๐ฐ๐ญ๐ด ๐ธ๐ฆ ๐ฉ๐ข๐ท๐ฆ ๐ข๐ด ๐ฉ๐ถ๐ฎ๐ข๐ฏ ๐ฃ๐ฆ๐ช๐ฏ๐จ๐ด. ๐๐ข๐ฎ๐ช๐ฏ๐จ ๐ฐ๐ถ๐ณ ๐ฑ๐ข๐ช๐ฏ ๐ฅ๐ฐ๐ฆ๐ด ๐ฏ๐ฐ๐ต ๐ฎ๐ข๐ฌ๐ฆ ๐ถ๐ด ๐ธ๐ฆ๐ข๐ฌ, ๐ช๐ต ๐ฎ๐ข๐ฌ๐ฆ๐ด ๐ถ๐ด ๐ข๐ธ๐ข๐ณ๐ฆ.โ
I have learned that self-love is a superpower, and that success in anything in life begins there.
Health and Wealth are intertwined.
๐จ ๐๐๐๐๐๐๐๐๐๐๐๐ ๐๐๐ ๐๐ ๐๐๐ ๐๐๐๐๐ ๐๐๐๐ ๐๐๐๐๐๐๐๐.
Having difficult conversations at the begining, builds trust, prevents conflict, and sets the foundation for both financial success and family harmony.
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Why Dividends Matter to Investors
Dividends may not make flashy headlines, but they remain one of the ๐ฆ๐จ๐ฌ๐ญ ๐๐๐ฉ๐๐ง๐๐๐๐ฅ๐ ๐ฐ๐๐ฒ๐ฌ to earn ๐ ๐ซ๐๐ญ๐ฎ๐ซ๐ง ๐จ๐ง ๐ฒ๐จ๐ฎ๐ซ ๐ข๐ง๐ฏ๐๐ฌ๐ญ๐ฆ๐๐ง๐ญ๐ฌ.
I often hear, โ๐'๐ฎ ๐ท๐ฆ๐ณ๐บ ๐ค๐ฐ๐ฏ๐ด๐ฆ๐ณ๐ท๐ข๐ต๐ช๐ท๐ฆ, ๐ ๐ฅ๐ฐ๐ฏ'๐ต ๐ญ๐ช๐ฌ๐ฆ ๐ณ๐ช๐ด๐ฌ, ๐ต๐ฉ๐ข๐ต'๐ด ๐ธ๐ฉ๐บ ๐ ๐ฌ๐ฆ๐ฆ๐ฑ ๐ฎ๐บ ๐ฎ๐ฐ๐ฏ๐ฆ๐บ ๐ฐ๐ฏ ๐๐๐โ๐ด.โ ๐๐ฎ๐ญ ๐ก๐๐ซ๐ ๐ข๐ฌ ๐ญ๐ก๐ ๐ญ๐ซ๐ฎ๐ญ๐ก: 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 ๐ฐ๐ก๐๐ญ ๐๐ข๐ฏ๐ข๐๐๐ง๐๐ฌ ๐๐ซ๐ ๐๐ง๐ ๐ก๐จ๐ฐ ๐ญ๐ก๐๐ฒ ๐ฐ๐จ๐ซ๐ค perfect for anyone looking to strengthen their financial knowledge.
๐๐ฏ ๐ฆ๐น๐ค๐ฆ๐ณ๐ฑ๐ต ๐ง๐ณ๐ฐ๐ฎ ๐ต๐ฉ๐ฆ ๐ข๐ณ๐ต๐ช๐ค๐ญ๐ฆ ๐ฃ๐ฆ๐ญ๐ฐ๐ธ:
โ๐๐ก๐ฒ ๐๐ข๐ฏ๐ข๐๐๐ง๐๐ฌ ๐๐ฉ๐ฉ๐๐๐ฅ ๐ญ๐จ ๐๐ง๐ฏ๐๐ฌ๐ญ๐จ๐ซ๐ฌ
Dividends may appeal to investors for several reasons:
๐๐ง๐๐จ๐ฆ๐-๐ฌ๐๐๐ค๐ข๐ง๐ ๐ข๐ง๐ฏ๐๐ฌ๐ญ๐จ๐ซ๐ฌ, 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. ๐๐๐ข๐ง๐ฏ๐๐ฌ๐ญ๐๐ ๐๐ข๐ฏ๐ข๐๐๐ง๐๐ฌ ๐๐๐๐๐ฅ๐๐ซ๐๐ญ๐ ๐ญ๐ก๐ "๐ฉ๐๐ฒ๐๐๐๐ค" on your investment, creating a long-term compounding effect that can help grow your wealth even further.
๐๐ง๐ฏ๐๐ฌ๐ญ๐จ๐ซ๐ฌ ๐ฌ๐๐๐ค๐ข๐ง๐ ๐ฅ๐จ๐ฐ๐๐ซ ๐ฏ๐จ๐ฅ๐๐ญ๐ข๐ฅ๐ข๐ญ๐ฒ โdividend-paying stocks tend to be more stable and hedge better during downturns compared with non-dividend-paying stocks.โ
Thoughtful planning creates balance.
๐Dividends can help you enjoy your wealth today while securing your legacy for tomorrow. ๐๐๐ญโ๐ฌ ๐๐จ๐ง๐ง๐๐๐ญ ๐ญ๐จ ๐๐ข๐ฌ๐๐จ๐ฏ๐๐ซ ๐ญ๐ก๐ ๐๐ฎ๐ฅ๐ฅ ๐ฉ๐จ๐ญ๐๐ง๐ญ๐ข๐๐ฅ ๐๐ข๐ฏ๐ข๐๐๐ง๐๐ฌ ๐๐๐ง ๐๐ซ๐ข๐ง๐ ๐ญ๐จ ๐ฒ๐จ๐ฎ๐ซ ๐ฉ๐ฅ๐๐ง.
https://www.investopedia.com/why-dividends-matter-to-investors-11809301#:~:text=The%20Bottom%20Line-,Why%20Dividends%20Matter%20to%20Investors,-From%20income%20to
I often hear, โ๐'๐ฎ ๐ท๐ฆ๐ณ๐บ ๐ค๐ฐ๐ฏ๐ด๐ฆ๐ณ๐ท๐ข๐ต๐ช๐ท๐ฆ, ๐ ๐ฅ๐ฐ๐ฏ'๐ต ๐ญ๐ช๐ฌ๐ฆ ๐ณ๐ช๐ด๐ฌ, ๐ต๐ฉ๐ข๐ต'๐ด ๐ธ๐ฉ๐บ ๐ ๐ฌ๐ฆ๐ฆ๐ฑ ๐ฎ๐บ ๐ฎ๐ฐ๐ฏ๐ฆ๐บ ๐ฐ๐ฏ ๐๐๐โ๐ด.โ ๐๐ฎ๐ญ ๐ก๐๐ซ๐ ๐ข๐ฌ ๐ญ๐ก๐ ๐ญ๐ซ๐ฎ๐ญ๐ก: 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 ๐ฐ๐ก๐๐ญ ๐๐ข๐ฏ๐ข๐๐๐ง๐๐ฌ ๐๐ซ๐ ๐๐ง๐ ๐ก๐จ๐ฐ ๐ญ๐ก๐๐ฒ ๐ฐ๐จ๐ซ๐ค perfect for anyone looking to strengthen their financial knowledge.
๐๐ฏ ๐ฆ๐น๐ค๐ฆ๐ณ๐ฑ๐ต ๐ง๐ณ๐ฐ๐ฎ ๐ต๐ฉ๐ฆ ๐ข๐ณ๐ต๐ช๐ค๐ญ๐ฆ ๐ฃ๐ฆ๐ญ๐ฐ๐ธ:
โ๐๐ก๐ฒ ๐๐ข๐ฏ๐ข๐๐๐ง๐๐ฌ ๐๐ฉ๐ฉ๐๐๐ฅ ๐ญ๐จ ๐๐ง๐ฏ๐๐ฌ๐ญ๐จ๐ซ๐ฌ
Dividends may appeal to investors for several reasons:
๐๐ง๐๐จ๐ฆ๐-๐ฌ๐๐๐ค๐ข๐ง๐ ๐ข๐ง๐ฏ๐๐ฌ๐ญ๐จ๐ซ๐ฌ, 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. ๐๐๐ข๐ง๐ฏ๐๐ฌ๐ญ๐๐ ๐๐ข๐ฏ๐ข๐๐๐ง๐๐ฌ ๐๐๐๐๐ฅ๐๐ซ๐๐ญ๐ ๐ญ๐ก๐ "๐ฉ๐๐ฒ๐๐๐๐ค" on your investment, creating a long-term compounding effect that can help grow your wealth even further.
๐๐ง๐ฏ๐๐ฌ๐ญ๐จ๐ซ๐ฌ ๐ฌ๐๐๐ค๐ข๐ง๐ ๐ฅ๐จ๐ฐ๐๐ซ ๐ฏ๐จ๐ฅ๐๐ญ๐ข๐ฅ๐ข๐ญ๐ฒ โdividend-paying stocks tend to be more stable and hedge better during downturns compared with non-dividend-paying stocks.โ
Thoughtful planning creates balance.
๐Dividends can help you enjoy your wealth today while securing your legacy for tomorrow. ๐๐๐ญโ๐ฌ ๐๐จ๐ง๐ง๐๐๐ญ ๐ญ๐จ ๐๐ข๐ฌ๐๐จ๐ฏ๐๐ซ ๐ญ๐ก๐ ๐๐ฎ๐ฅ๐ฅ ๐ฉ๐จ๐ญ๐๐ง๐ญ๐ข๐๐ฅ ๐๐ข๐ฏ๐ข๐๐๐ง๐๐ฌ ๐๐๐ง ๐๐ซ๐ข๐ง๐ ๐ญ๐จ ๐ฒ๐จ๐ฎ๐ซ ๐ฉ๐ฅ๐๐ง.
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.
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๐๐จ๐ฆ๐ ๐๐ฅ๐ข๐ฆ๐๐ฌ ๐๐ซ๐ ๐จ๐ง ๐ญ๐ซ๐๐ข๐ฅ๐ฌ. ๐๐ญ๐ก๐๐ซ๐ฌ ๐๐ซ๐ ๐ข๐ง ๐ฅ๐ข๐๐.
I hiked Silver Peak in Killarney ON - six hours of rocks, roots and steep climbs. There were moments I thought, "๐๐ฉ๐ข๐ต's ๐ช๐ต, ๐'๐ฎ ๐ฅ๐ฐ๐ฏ๐ฆ. ๐๐ฉ๐ฆ ๐ฉ๐ฆ๐ญ๐ช๐ค๐ฐ๐ฑ๐ต๐ฆ๐ณ ๐ข๐ฎ๐ฃ๐ถ๐ญ๐ข๐ฏ๐ค๐ฆ ๐ช๐ด ๐จ๐ฐ๐ช๐ฏ๐จ ๐ต๐ฐ ๐ฉ๐ข๐ท๐ฆ ๐ต๐ฐ ๐ญ๐ช๐ง๐ต ๐ฎ๐ฆ ๐ฐ๐ถ๐ต. ๐๐บ ๐ฌ๐ฏ๐ฆ๐ฆ๐ด ๐ธ๐ฆ๐ณ๐ฆ ๐จ๐ช๐ท๐ช๐ฏ๐จ ๐ช๐ฏ."
But, I had my hiking buddies by my side, encouraging me, making sure I took that next step.
Step by step, I reached the top, the view was breathtaking. It felt like I had died and gone to heaven. I cried, a mix of emotions, happiness and pride. In that moment, I forgot about all my aches and pains.
Life is lot like a hike, you plan, you set your goals, take one step at the time, and surround yourself with the right people to guide you and encourage you, even when the path gets tough.
The best part? Reaching the top and seeing what is possible. Makes it all worth it.
๐๐ก๐๐ญ ๐ข๐ฌ ๐ฒ๐จ๐ฎ๐ซ ๐ง๐๐ฑ๐ญ ๐๐๐ฏ๐๐ง๐ญ๐ฎ๐ซ๐ ๐๐ง๐ ๐ฌ๐ญ๐๐ฉ๐ฌ ๐ฐ๐ข๐ฅ๐ฅ ๐ ๐๐ญ ๐ฒ๐จ๐ฎ ๐ญ๐ก๐๐ซ๐?
I hiked Silver Peak in Killarney ON - six hours of rocks, roots and steep climbs. There were moments I thought, "๐๐ฉ๐ข๐ต's ๐ช๐ต, ๐'๐ฎ ๐ฅ๐ฐ๐ฏ๐ฆ. ๐๐ฉ๐ฆ ๐ฉ๐ฆ๐ญ๐ช๐ค๐ฐ๐ฑ๐ต๐ฆ๐ณ ๐ข๐ฎ๐ฃ๐ถ๐ญ๐ข๐ฏ๐ค๐ฆ ๐ช๐ด ๐จ๐ฐ๐ช๐ฏ๐จ ๐ต๐ฐ ๐ฉ๐ข๐ท๐ฆ ๐ต๐ฐ ๐ญ๐ช๐ง๐ต ๐ฎ๐ฆ ๐ฐ๐ถ๐ต. ๐๐บ ๐ฌ๐ฏ๐ฆ๐ฆ๐ด ๐ธ๐ฆ๐ณ๐ฆ ๐จ๐ช๐ท๐ช๐ฏ๐จ ๐ช๐ฏ."
But, I had my hiking buddies by my side, encouraging me, making sure I took that next step.
Step by step, I reached the top, the view was breathtaking. It felt like I had died and gone to heaven. I cried, a mix of emotions, happiness and pride. In that moment, I forgot about all my aches and pains.
Life is lot like a hike, you plan, you set your goals, take one step at the time, and surround yourself with the right people to guide you and encourage you, even when the path gets tough.
The best part? Reaching the top and seeing what is possible. Makes it all worth it.
๐๐ก๐๐ญ ๐ข๐ฌ ๐ฒ๐จ๐ฎ๐ซ ๐ง๐๐ฑ๐ญ ๐๐๐ฏ๐๐ง๐ญ๐ฎ๐ซ๐ ๐๐ง๐ ๐ฌ๐ญ๐๐ฉ๐ฌ ๐ฐ๐ข๐ฅ๐ฅ ๐ ๐๐ญ ๐ฒ๐จ๐ฎ ๐ญ๐ก๐๐ซ๐?

When It comes to Investing two power emotions take over Fear and Greed... They both cloud our judgement...
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๐ ๐๐๐ง๐ญ๐ฅ๐ ๐๐ข๐-๐๐๐๐ซ ๐๐๐ฌ๐๐ญ: ๐๐๐๐ฅ๐ข๐ ๐ง, ๐๐๐๐จ๐๐ฎ๐ฌ, ๐๐๐๐จ๐ง๐ง๐๐๐ญ...
This past long weekend brought a chance to slow down, connect with my kids, and reflect not just on family, but on the bigger picture of what truly matters.
Moments like these brings me back to what fuels everything else: ๐ฉ๐๐๐๐ ๐จ๐ ๐ฆ๐ข๐ง๐, ๐ฆ๐๐ง๐ญ๐๐ฅ ๐๐ฅ๐๐ซ๐ข๐ญ๐ฒ, ๐๐ง๐ ๐ญ๐ก๐ ๐ฌ๐ญ๐ซ๐๐ง๐ ๐ญ๐ก ๐ญ๐จ ๐ค๐๐๐ฉ ๐ฆ๐จ๐ฏ๐ข๐ง๐ ๐๐จ๐ซ๐ฐ๐๐ซ๐ ๐ฐ๐ข๐ญ๐ก ๐ข๐ง๐ญ๐๐ง๐ญ๐ข๐จ๐ง.
As we step into ๐๐ฎ๐ ๐ฎ๐ฌ๐ญ we find a natural midpoint, a moment to check-in with goals we set earlier this year and ask:
๐๐ก๐๐ซ๐ ๐๐ฆ ๐ ๐ง๐จ๐ฐ, ๐๐ง๐ ๐ฐ๐ก๐๐ซ๐ ๐๐จ ๐ ๐ฐ๐๐ง๐ญ ๐ญ๐จ ๐๐ ๐๐ฒ ๐๐๐๐๐ฆ๐๐๐ซ?
The world around us shifts constantly, markets rise and fall, headlines evolve. Investing, like in life is a journey taken mile by mile. Markets are dynamic, economics shifts can be unsettling.
๐๐ฎ๐ญ ๐ก๐๐ซ๐ ๐ข๐ฌ ๐ฐ๐ก๐๐ญ ๐๐จ๐๐ฌ๐งโ๐ญ ๐๐ก๐๐ง๐ ๐:
โข The importance of staying invested.
โข The power of long-term planning
โข The value of having a clear strategy.
When you have a thoughtful strategic plan, ๐ฒ๐จ๐ฎโ๐ซ๐ ๐ง๐จ๐ญ ๐ซ๐๐๐๐ญ๐ข๐ง๐ , ๐ฒ๐จ๐ฎโ๐ซ๐ ๐ง๐๐ฏ๐ข๐ ๐๐ญ๐ข๐ง๐ .
Why Midyear Check-Ins Matter - Ideal for reviewing your progress, refocusing your goals, and realigning your next steps.
๐๐๐ญโ๐ฌ ๐ซ๐๐ฏ๐ข๐๐ฐ ๐ค๐๐ฒ ๐๐ซ๐๐๐ฌ ๐ญ๐จ ๐ฉ๐๐ฒ ๐๐ญ๐ญ๐๐ง๐ญ๐ข๐จ๐ง ๐ญ๐จ๐ ๐๐ญ๐ก๐๐ซ:
๐๐ซ๐ ๐๐จ๐ฎ ๐๐๐ฑ๐ข๐ฆ๐ข๐ณ๐ข๐ง๐ ๐๐จ๐ฎ๐ซ ๐๐จ๐ง๐ญ๐ซ๐ข๐๐ฎ๐ญ๐ข๐จ๐ง๐ฌ?
โข Have you topped up your TFSA or RRSP for the year?
โข Would it be more convenient to automate contributions to reduce the end-of-year pressure?
โข Is your cash flow aligned with your long-term goals?
๐๐ฌ ๐๐จ๐ฎ๐ซ ๐๐ฌ๐ญ๐๐ญ๐ ๐๐ฅ๐๐ง ๐๐ฉ ๐ญ๐จ ๐๐๐ญ๐?
โข Do you have a valid Will and Powers of Attorney?
โข Have your personal or family circumstances changed?
โข Is your plan tax-efficient, and does it reflect your legacy values.
โค๏ธ ๐๐ซ๐ ๐๐จ๐ฎ ๐๐ฅ๐๐ง๐ง๐ข๐ง๐ ๐ญ๐จ ๐๐ข๐ฏ๐ ๐๐๐๐ค?
โข If charitable giving is part of your values, now is the time to start thinking about year-end donations.
โข Would you benefit from tax-efficient strategies, like donating investments?
โข Is your giving aligned with what matters most to you?
โข Are you looking to make a lasting impact?
๐๐ญ๐ซ๐๐ญ๐๐ ๐ข๐ ๐๐ฅ๐๐ง๐ง๐ข๐ง๐ ๐๐ซ๐ข๐ง๐ ๐ฌ ๐๐๐๐๐ ๐จ๐ ๐๐ข๐ง๐, ๐๐จ๐ง๐๐ข๐๐๐ง๐๐, ๐๐ง๐ ๐๐ฅ๐๐ซ๐ข๐ญ๐ฒ.
If any of these questions sparked something for you, Letโs connect. Letโs make the second half of the year intentional and aligned.
Have a great weekโจ
This past long weekend brought a chance to slow down, connect with my kids, and reflect not just on family, but on the bigger picture of what truly matters.
Moments like these brings me back to what fuels everything else: ๐ฉ๐๐๐๐ ๐จ๐ ๐ฆ๐ข๐ง๐, ๐ฆ๐๐ง๐ญ๐๐ฅ ๐๐ฅ๐๐ซ๐ข๐ญ๐ฒ, ๐๐ง๐ ๐ญ๐ก๐ ๐ฌ๐ญ๐ซ๐๐ง๐ ๐ญ๐ก ๐ญ๐จ ๐ค๐๐๐ฉ ๐ฆ๐จ๐ฏ๐ข๐ง๐ ๐๐จ๐ซ๐ฐ๐๐ซ๐ ๐ฐ๐ข๐ญ๐ก ๐ข๐ง๐ญ๐๐ง๐ญ๐ข๐จ๐ง.
As we step into ๐๐ฎ๐ ๐ฎ๐ฌ๐ญ we find a natural midpoint, a moment to check-in with goals we set earlier this year and ask:
๐๐ก๐๐ซ๐ ๐๐ฆ ๐ ๐ง๐จ๐ฐ, ๐๐ง๐ ๐ฐ๐ก๐๐ซ๐ ๐๐จ ๐ ๐ฐ๐๐ง๐ญ ๐ญ๐จ ๐๐ ๐๐ฒ ๐๐๐๐๐ฆ๐๐๐ซ?
The world around us shifts constantly, markets rise and fall, headlines evolve. Investing, like in life is a journey taken mile by mile. Markets are dynamic, economics shifts can be unsettling.
๐๐ฎ๐ญ ๐ก๐๐ซ๐ ๐ข๐ฌ ๐ฐ๐ก๐๐ญ ๐๐จ๐๐ฌ๐งโ๐ญ ๐๐ก๐๐ง๐ ๐:
โข The importance of staying invested.
โข The power of long-term planning
โข The value of having a clear strategy.
When you have a thoughtful strategic plan, ๐ฒ๐จ๐ฎโ๐ซ๐ ๐ง๐จ๐ญ ๐ซ๐๐๐๐ญ๐ข๐ง๐ , ๐ฒ๐จ๐ฎโ๐ซ๐ ๐ง๐๐ฏ๐ข๐ ๐๐ญ๐ข๐ง๐ .
Why Midyear Check-Ins Matter - Ideal for reviewing your progress, refocusing your goals, and realigning your next steps.
๐๐๐ญโ๐ฌ ๐ซ๐๐ฏ๐ข๐๐ฐ ๐ค๐๐ฒ ๐๐ซ๐๐๐ฌ ๐ญ๐จ ๐ฉ๐๐ฒ ๐๐ญ๐ญ๐๐ง๐ญ๐ข๐จ๐ง ๐ญ๐จ๐ ๐๐ญ๐ก๐๐ซ:
๐๐ซ๐ ๐๐จ๐ฎ ๐๐๐ฑ๐ข๐ฆ๐ข๐ณ๐ข๐ง๐ ๐๐จ๐ฎ๐ซ ๐๐จ๐ง๐ญ๐ซ๐ข๐๐ฎ๐ญ๐ข๐จ๐ง๐ฌ?
โข Have you topped up your TFSA or RRSP for the year?
โข Would it be more convenient to automate contributions to reduce the end-of-year pressure?
โข Is your cash flow aligned with your long-term goals?
๐๐ฌ ๐๐จ๐ฎ๐ซ ๐๐ฌ๐ญ๐๐ญ๐ ๐๐ฅ๐๐ง ๐๐ฉ ๐ญ๐จ ๐๐๐ญ๐?
โข Do you have a valid Will and Powers of Attorney?
โข Have your personal or family circumstances changed?
โข Is your plan tax-efficient, and does it reflect your legacy values.
โค๏ธ ๐๐ซ๐ ๐๐จ๐ฎ ๐๐ฅ๐๐ง๐ง๐ข๐ง๐ ๐ญ๐จ ๐๐ข๐ฏ๐ ๐๐๐๐ค?
โข If charitable giving is part of your values, now is the time to start thinking about year-end donations.
โข Would you benefit from tax-efficient strategies, like donating investments?
โข Is your giving aligned with what matters most to you?
โข Are you looking to make a lasting impact?
๐๐ญ๐ซ๐๐ญ๐๐ ๐ข๐ ๐๐ฅ๐๐ง๐ง๐ข๐ง๐ ๐๐ซ๐ข๐ง๐ ๐ฌ ๐๐๐๐๐ ๐จ๐ ๐๐ข๐ง๐, ๐๐จ๐ง๐๐ข๐๐๐ง๐๐, ๐๐ง๐ ๐๐ฅ๐๐ซ๐ข๐ญ๐ฒ.
If any of these questions sparked something for you, Letโs connect. Letโs make the second half of the year intentional and aligned.
Have a great weekโจ

Long weekends were made for this.
Lattes, laughs, mother-daughter momentsโฆand golden hour golf with my son. โโค๏ธ๐๏ธโโ๏ธ
Happy August long weekend!
Lattes, laughs, mother-daughter momentsโฆand golden hour golf with my son. โโค๏ธ๐๏ธโโ๏ธ
Happy August long weekend!

4 Behavioral Biases and How To Avoid Them
4 ๐๐๐ก๐๐ฏ๐ข๐จ๐ซ๐๐ฅ ๐๐ข๐๐ฌ๐๐ฌ ๐๐ง๐ ๐๐จ๐ฐ ๐๐จ ๐๐ฏ๐จ๐ข๐ ๐๐ก๐๐ฆ
A great article: Part of the Series ๐๐๐ก๐๐ฏ๐ข๐จ๐ซ๐๐ฅ ๐ ๐ข๐ง๐๐ง๐๐ worth the read, trust me on this one.
๐ฉOverconfidence
๐ฉRegret
๐ฉLimited Attention Spam
๐ฉChasing 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:
"๐๐ ๐ฒ๐จ๐ฎ ๐ฐ๐๐ง๐ญ ๐ญ๐จ ๐๐ฑ๐ฉ๐ฅ๐จ๐ข๐ญ ๐ฆ๐๐ซ๐ค๐๐ญ ๐ข๐ง๐๐๐๐ข๐๐ข๐๐ง๐๐ฒ, ๐ญ๐๐ค๐ ๐ญ๐ก๐ ๐๐๐ซ๐ซ๐๐ง ๐๐ฎ๐๐๐๐ญ๐ญ ๐๐ฉ๐ฉ๐ซ๐จ๐๐๐ก: ๐๐ฎ๐ฒ ๐ฐ๐ก๐๐ง ๐จ๐ญ๐ก๐๐ซ๐ฌ ๐๐ซ๐ ๐๐๐๐ซ๐๐ฎ๐ฅ ๐๐ง๐ ๐ฌ๐๐ฅ๐ฅ ๐ฐ๐ก๐๐ง ๐ญ๐ก๐๐ฒ'๐ซ๐ ๐๐จ๐ง๐๐ข๐๐๐ง๐ญ. ๐ ๐จ๐ฅ๐ฅ๐จ๐ฐ๐ข๐ง๐ ๐ญ๐ก๐ ๐ก๐๐ซ๐ ๐ซ๐๐ซ๐๐ฅ๐ฒ ๐ฉ๐ซ๐จ๐๐ฎ๐๐๐ฌ ๐ฅ๐๐ซ๐ ๐-๐ฌ๐๐๐ฅ๐ ๐ ๐๐ข๐ง๐ฌ."
Investing is not about reacting to noise, it's about staying grounded in your strategy.
๐๐จ๐๐ฌ ๐ข๐ญ ๐ซ๐๐ฌ๐จ๐ง๐๐ญ๐ ๐ฐ๐ข๐ญ๐ก ๐ฒ๐จ๐ฎ? ๐ฐ๐ ๐๐๐๐ ๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐ ๐๐๐ ๐๐๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐๐๐?
๐๐๐ญ'๐ฌ ๐๐จ๐ง๐ง๐๐๐ญ and make sure it's reflecting you, and not just moving along without a clear direction. ๐ ๐๐๐ง ๐ก๐๐ฅ๐ฉ.
https://www.investopedia.com/articles/investing/050813/4-behavioral-biases-and-how-avoid-them.asp#:~:text=4%20Behavioral%20Biases%20and%20How%20To%20Avoid%20Them
A great article: Part of the Series ๐๐๐ก๐๐ฏ๐ข๐จ๐ซ๐๐ฅ ๐ ๐ข๐ง๐๐ง๐๐ worth the read, trust me on this one.
๐ฉOverconfidence
๐ฉRegret
๐ฉLimited Attention Spam
๐ฉChasing 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:
"๐๐ ๐ฒ๐จ๐ฎ ๐ฐ๐๐ง๐ญ ๐ญ๐จ ๐๐ฑ๐ฉ๐ฅ๐จ๐ข๐ญ ๐ฆ๐๐ซ๐ค๐๐ญ ๐ข๐ง๐๐๐๐ข๐๐ข๐๐ง๐๐ฒ, ๐ญ๐๐ค๐ ๐ญ๐ก๐ ๐๐๐ซ๐ซ๐๐ง ๐๐ฎ๐๐๐๐ญ๐ญ ๐๐ฉ๐ฉ๐ซ๐จ๐๐๐ก: ๐๐ฎ๐ฒ ๐ฐ๐ก๐๐ง ๐จ๐ญ๐ก๐๐ซ๐ฌ ๐๐ซ๐ ๐๐๐๐ซ๐๐ฎ๐ฅ ๐๐ง๐ ๐ฌ๐๐ฅ๐ฅ ๐ฐ๐ก๐๐ง ๐ญ๐ก๐๐ฒ'๐ซ๐ ๐๐จ๐ง๐๐ข๐๐๐ง๐ญ. ๐ ๐จ๐ฅ๐ฅ๐จ๐ฐ๐ข๐ง๐ ๐ญ๐ก๐ ๐ก๐๐ซ๐ ๐ซ๐๐ซ๐๐ฅ๐ฒ ๐ฉ๐ซ๐จ๐๐ฎ๐๐๐ฌ ๐ฅ๐๐ซ๐ ๐-๐ฌ๐๐๐ฅ๐ ๐ ๐๐ข๐ง๐ฌ."
Investing is not about reacting to noise, it's about staying grounded in your strategy.
๐๐จ๐๐ฌ ๐ข๐ญ ๐ซ๐๐ฌ๐จ๐ง๐๐ญ๐ ๐ฐ๐ข๐ญ๐ก ๐ฒ๐จ๐ฎ? ๐ฐ๐ ๐๐๐๐ ๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐ ๐๐๐ ๐๐๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐๐๐?
๐๐๐ญ'๐ฌ ๐๐จ๐ง๐ง๐๐๐ญ and make sure it's reflecting you, and not just moving along without a clear direction. ๐ ๐๐๐ง ๐ก๐๐ฅ๐ฉ.
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...
Watch video

๐๐จ๐ฎ๐ซ ๐๐จ๐๐ข๐๐ฅ ๐๐จ๐ซ๐ญ๐๐จ๐ฅ๐ข๐จ ๐๐๐ญ๐ญ๐๐ซ๐ฌ ๐๐ฎ๐ฌ๐ญ ๐๐ฌ ๐๐ฎ๐๐ก ๐๐ฌ ๐๐จ๐ฎ๐ซ ๐๐ง๐ฏ๐๐ฌ๐ญ๐ฆ๐๐ง๐ญ ๐๐ง๐.
As a financial planner, I spend a lot of time helping people build strong investment portfolios for retirement. But today, I want to talk about another kind of portfolio. ๐๐ก๐ ๐ฌ๐จ๐๐ข๐๐ฅ ๐จ๐ง๐.
This is a photo of me with three incredible women whoโve become my golf buddies, my laughter crew, and my soul sisters on the fairway. We're not just playing a game, weโre building connection, joy, and belonging. We're investing in something that no market fluctuation can take away.
As you prepare for retirement, donโt forget to ask yourself:
โข Who are the people youโll spend time with?
โข What communities will you belong to?
โข What will give you purpose, energy, and laughter?
A well-balanced retirement isn't just about your assets under management. It's about your connections, your sense of inclusion, support, and meaning. Start curating your social portfolio now. Itโs one of the best long-term investments you can make.
๐๐ง ๐ญ๐ก๐ ๐จ๐ญ๐ก๐๐ซ ๐ก๐๐ง๐, if you need to review your current portfolio to make sure your financial plan is as strong as the life you are planning to live. ๐๐๐ญโ๐ฌ ๐๐จ๐ง๐ง๐๐๐ญ.
As a financial planner, I spend a lot of time helping people build strong investment portfolios for retirement. But today, I want to talk about another kind of portfolio. ๐๐ก๐ ๐ฌ๐จ๐๐ข๐๐ฅ ๐จ๐ง๐.
This is a photo of me with three incredible women whoโve become my golf buddies, my laughter crew, and my soul sisters on the fairway. We're not just playing a game, weโre building connection, joy, and belonging. We're investing in something that no market fluctuation can take away.
As you prepare for retirement, donโt forget to ask yourself:
โข Who are the people youโll spend time with?
โข What communities will you belong to?
โข What will give you purpose, energy, and laughter?
A well-balanced retirement isn't just about your assets under management. It's about your connections, your sense of inclusion, support, and meaning. Start curating your social portfolio now. Itโs one of the best long-term investments you can make.
๐๐ง ๐ญ๐ก๐ ๐จ๐ญ๐ก๐๐ซ ๐ก๐๐ง๐, if you need to review your current portfolio to make sure your financial plan is as strong as the life you are planning to live. ๐๐๐ญโ๐ฌ ๐๐จ๐ง๐ง๐๐๐ญ.

๐
๐จ๐ซ ๐ญ๐ก๐ ๐๐ฎ๐ซ๐ข๐จ๐ฎ๐ฌ ๐ฆ๐ข๐ง๐: A snapshot of global wealth per person. Canada included.

Financial Markets: When Fear and Greed Take Over
๐๐ก๐๐ง ๐
๐๐๐ซ ๐๐ง๐ ๐๐ซ๐๐๐ ๐๐๐ค๐ ๐๐ฏ๐๐ซ
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 ๐๐๐ก๐๐ฏ๐ข๐จ๐ฎ๐ซ๐๐ฅ ๐ ๐ข๐ง๐๐ง๐๐, 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.
"๐๐๐ฒ ๐๐๐ค๐๐๐ฐ๐๐ฒ๐ฌ:
๐Letting emotions govern investment behavior often leads to irrational decision-making that can cost you dearly.
๐It's usually best to ignore the trend at the momentโwhether bullish or bearishโand stick to a long-term plan based on sound fundamentals.
๐It's also critical to understand how risk-sensitive you are and to set your asset allocations accordingly when fear and greed grip the market."
๐๐ญ ๐ข๐ญ ๐ซ๐๐ฌ๐จ๐ง๐๐ญ๐๐ฌ ๐ฐ๐ข๐ญ๐ก ๐ฒ๐จ๐ฎ. ๐๐๐ญ'๐ฌ ๐๐จ๐ง๐ง๐๐๐ญ. ๐ ๐๐๐ง ๐ก๐๐ฅ๐ฉ ๐ฆ๐๐ค๐ ๐ฒ๐จ๐ฎ๐ซ ๐๐๐๐ข๐ฌ๐ข๐จ๐ง๐ฌ ๐ฐ๐ข๐ญ๐ก ๐๐ฅ๐๐ซ๐ข๐ญ๐ฒ, ๐ง๐จ๐ญ ๐๐๐๐ซ.
https://www.investopedia.com/articles/01/030701.asp#:~:text=just%20two%20emotions%3A-,fear%20and%20greed.,-Although%20this%20is
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 ๐๐๐ก๐๐ฏ๐ข๐จ๐ฎ๐ซ๐๐ฅ ๐ ๐ข๐ง๐๐ง๐๐, 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.
"๐๐๐ฒ ๐๐๐ค๐๐๐ฐ๐๐ฒ๐ฌ:
๐Letting emotions govern investment behavior often leads to irrational decision-making that can cost you dearly.
๐It's usually best to ignore the trend at the momentโwhether bullish or bearishโand stick to a long-term plan based on sound fundamentals.
๐It's also critical to understand how risk-sensitive you are and to set your asset allocations accordingly when fear and greed grip the market."
๐๐ญ ๐ข๐ญ ๐ซ๐๐ฌ๐จ๐ง๐๐ญ๐๐ฌ ๐ฐ๐ข๐ญ๐ก ๐ฒ๐จ๐ฎ. ๐๐๐ญ'๐ฌ ๐๐จ๐ง๐ง๐๐๐ญ. ๐ ๐๐๐ง ๐ก๐๐ฅ๐ฉ ๐ฆ๐๐ค๐ ๐ฒ๐จ๐ฎ๐ซ ๐๐๐๐ข๐ฌ๐ข๐จ๐ง๐ฌ ๐ฐ๐ข๐ญ๐ก ๐๐ฅ๐๐ซ๐ข๐ญ๐ฒ, ๐ง๐จ๐ญ ๐๐๐๐ซ.
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?
Has your portfolio has kept up?
Watch video

๐๐๐ฉ๐ฉ๐ฒ ๐๐๐ง๐๐๐ ๐๐๐ฒ ๐๐๐๐ค๐๐ง๐๐
Hiking is one of my favourite ways to recharge. It clears my mind, lifts my spirit, and keeps me grounded. On this Canada Day, I invite you to do something that brings you joy whether itโs time in nature, a moment of stillness, or simply doing something you love.
This photo was taken during a hike at Mono Cliffs Provincial Park in Ontario, a memory that still reminds me how lucky we are to have access to such breathtaking natural spaces.
Wishing you a joyful, safe, and restorative ๐๐๐ง๐๐๐ ๐๐๐ฒ ๐
Hiking is one of my favourite ways to recharge. It clears my mind, lifts my spirit, and keeps me grounded. On this Canada Day, I invite you to do something that brings you joy whether itโs time in nature, a moment of stillness, or simply doing something you love.
This photo was taken during a hike at Mono Cliffs Provincial Park in Ontario, a memory that still reminds me how lucky we are to have access to such breathtaking natural spaces.
Wishing you a joyful, safe, and restorative ๐๐๐ง๐๐๐ ๐๐๐ฒ ๐

Let's take a moment to celebrate the men who help build not just businesses, but strong families and communities, with their love, strength and quiet resilience.
Happy Fathers Day.๐
Happy Fathers Day.๐

Mortgage-free retirement? Not so for 29% of soon-to-be retirees - National | Globalnews.ca
โThis 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.
โOur research confirms they are also much more likely to have provided financial assistance to their children to assist in their home ownership dreams,โ
โDownsizing 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 ๐ฉ๐ฅ๐๐ง ๐ข๐ง๐ญ๐๐ง๐ญ๐ข๐จ๐ง๐๐ฅ๐ฅ๐ฒ ๐๐จ๐ซ ๐ซ๐๐ญ๐ข๐ซ๐๐ฆ๐๐ง๐ญ, no matter where you are in your journey. What's clear is this: there is no๐จ๐ง๐-๐ฌ๐ข๐ณ๐-๐๐ข๐ญ๐ฌ-๐๐ฅ๐ฅ ๐๐ฉ๐ฉ๐ซ๐จ๐๐๐ก. 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?
๐๐๐ญ'๐ฌ ๐๐จ๐ง๐ง๐๐๐ญ so we can find the right course of action tailored to your goals, mortgage or not.
Have a great dayโ๏ธ
โOur research confirms they are also much more likely to have provided financial assistance to their children to assist in their home ownership dreams,โ
โDownsizing 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 ๐ฉ๐ฅ๐๐ง ๐ข๐ง๐ญ๐๐ง๐ญ๐ข๐จ๐ง๐๐ฅ๐ฅ๐ฒ ๐๐จ๐ซ ๐ซ๐๐ญ๐ข๐ซ๐๐ฆ๐๐ง๐ญ, no matter where you are in your journey. What's clear is this: there is no๐จ๐ง๐-๐ฌ๐ข๐ณ๐-๐๐ข๐ญ๐ฌ-๐๐ฅ๐ฅ ๐๐ฉ๐ฉ๐ซ๐จ๐๐๐ก. 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?
๐๐๐ญ'๐ฌ ๐๐จ๐ง๐ง๐๐๐ญ so we can find the right course of action tailored to your goals, mortgage or not.
Have a great dayโ๏ธ

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