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Stay informed with what’s going on. Browse posts that might be helpful to you or check out an event happening in your area. Come back regularly as this page is kept up-to-date with a lot of relevant information.
Imagine two farmers preparing for planting season.
One chooses the cheapest seeds available. The other pays a little more for seeds with a long record of producing strong, reliable harvests. On planting day, the first farmer feels smart for saving money. At harvest time, only one of them is satisfied with the result.
Investing works the same way.
Every few years, there is a company or two that comes up with a new slogan. It's usually some version of, "low fees are the most important thing in investing". Lower fees, they say, are the difference between success and failure.
Fees matter. But only when all else is equal.
The only number that truly matters is what you earn after fees.
A company's advertised low cost portfolios have failed to deliver on their "retire 30% wealthier" slogan. In fact, those advertised portfolios have cost investors a lot of money compared to some other high quality products with a higher fee.
The goal has never been to own the cheapest portfolio. The goal is to own one that gives you the highest probability of reaching the life you’re planning for.
Fees are a line item. Outcomes are the destination.
Always keep your eyes on the number that actually matters.
As always, if you have any questions, please reach out! Have a great week everyone!
One chooses the cheapest seeds available. The other pays a little more for seeds with a long record of producing strong, reliable harvests. On planting day, the first farmer feels smart for saving money. At harvest time, only one of them is satisfied with the result.
Investing works the same way.
Every few years, there is a company or two that comes up with a new slogan. It's usually some version of, "low fees are the most important thing in investing". Lower fees, they say, are the difference between success and failure.
Fees matter. But only when all else is equal.
The only number that truly matters is what you earn after fees.
A company's advertised low cost portfolios have failed to deliver on their "retire 30% wealthier" slogan. In fact, those advertised portfolios have cost investors a lot of money compared to some other high quality products with a higher fee.
The goal has never been to own the cheapest portfolio. The goal is to own one that gives you the highest probability of reaching the life you’re planning for.
Fees are a line item. Outcomes are the destination.
Always keep your eyes on the number that actually matters.
As always, if you have any questions, please reach out! Have a great week everyone!
Imagine two farmers preparing for planting season.
One chooses the cheapest seeds available. The other pays a little more for seeds with a long record of producing strong, reliable harvests. On planting day, the first farmer feels smart for saving money. At harvest time, only one of them is satisfied with the result.
Investing works the same way.
Every few years, there is a company or two that comes up with a new slogan. It's usually some version of, "low fees are the most important thing in investing". Lower fees, they say, are the difference between success and failure.
Fees matter. But only when all else is equal.
The only number that truly matters is what you earn after fees.
A company's advertised low cost portfolios have failed to deliver on their "retire 30% wealthier" slogan. In fact, those advertised portfolios have cost investors a lot of money compared to some other high quality products with a higher fee.
The goal has never been to own the cheapest portfolio. The goal is to own one that gives you the highest probability of reaching the life you’re planning for.
Fees are a line item. Outcomes are the destination.
Always keep your eyes on the number that actually matters.
As always, if you have any questions, please reach out! Have a great week everyone!
One chooses the cheapest seeds available. The other pays a little more for seeds with a long record of producing strong, reliable harvests. On planting day, the first farmer feels smart for saving money. At harvest time, only one of them is satisfied with the result.
Investing works the same way.
Every few years, there is a company or two that comes up with a new slogan. It's usually some version of, "low fees are the most important thing in investing". Lower fees, they say, are the difference between success and failure.
Fees matter. But only when all else is equal.
The only number that truly matters is what you earn after fees.
A company's advertised low cost portfolios have failed to deliver on their "retire 30% wealthier" slogan. In fact, those advertised portfolios have cost investors a lot of money compared to some other high quality products with a higher fee.
The goal has never been to own the cheapest portfolio. The goal is to own one that gives you the highest probability of reaching the life you’re planning for.
Fees are a line item. Outcomes are the destination.
Always keep your eyes on the number that actually matters.
As always, if you have any questions, please reach out! Have a great week everyone!
Coordinating withdrawals from RRSPs, TFSAs and non-registered accounts can help keep more of your money working for you. Ask me about a coordinated approach for your retirement using Sun Life One Plan. https://advisor.sunlife.ca/spencer.johnston/
#SunLifeOnePlan #TFSA #RRSP
#SunLifeOnePlan #TFSA #RRSP
Coordinating withdrawals from RRSPs, TFSAs and non-registered accounts can help keep more of your money working for you. Ask me about a coordinated approach for your retirement using Sun Life One Plan. https://advisor.sunlife.ca/spencer.johnston/
#SunLifeOnePlan #TFSA #RRSP
#SunLifeOnePlan #TFSA #RRSP
A holistic financial roadmap balances protection, investment and access to cash for life’s moments. Together we can tailor an approach that fits your financial needs. Ask me about Sun Life One Plan. https://advisor.sunlife.ca/spencer.johnston/
#SunLifeOnePlan
#SunLifeOnePlan
A holistic financial roadmap balances protection, investment and access to cash for life’s moments. Together we can tailor an approach that fits your financial needs. Ask me about Sun Life One Plan. https://advisor.sunlife.ca/spencer.johnston/
#SunLifeOnePlan
#SunLifeOnePlan
A simple plan helps balance today’s cost with tomorrow’s goals. Let’s build a family cash-flow roadmap that works for you.
https://advisor.sunlife.ca/spencer.johnston/
https://advisor.sunlife.ca/spencer.johnston/
A simple plan helps balance today’s cost with tomorrow’s goals. Let’s build a family cash-flow roadmap that works for you.
https://advisor.sunlife.ca/spencer.johnston/
https://advisor.sunlife.ca/spencer.johnston/
Retirement isn’t a number — it’s a roadmap. We’ll outline how your savings can become a reliable source of income. Together, let's build your withdrawal strategy.
#RetirementStrategy #Retirement #SunLife
#RetirementStrategy #Retirement #SunLife
Retirement isn’t a number — it’s a roadmap. We’ll outline how your savings can become a reliable source of income. Together, let's build your withdrawal strategy.
#RetirementStrategy #Retirement #SunLife
#RetirementStrategy #Retirement #SunLife
From health spending accounts to enhanced benefits, there are ways to cover what provincial plans don't — and sometimes save on taxes too. Let's explore what fits your needs and budget.
From health spending accounts to enhanced benefits, there are ways to cover what provincial plans don't — and sometimes save on taxes too. Let's explore what fits your needs and budget.
Tax season isn't just about filing — it's about planning ahead. From RRSP contributions to income splitting strategies, there are things you can do now to better position your finances for next year and beyond.
Get in touch to find out what strategies work best for you. https://advisor.sunlife.ca/spencer.johnston/
Get in touch to find out what strategies work best for you. https://advisor.sunlife.ca/spencer.johnston/
Tax season isn't just about filing — it's about planning ahead. From RRSP contributions to income splitting strategies, there are things you can do now to better position your finances for next year and beyond.
Get in touch to find out what strategies work best for you. https://advisor.sunlife.ca/spencer.johnston/
Get in touch to find out what strategies work best for you. https://advisor.sunlife.ca/spencer.johnston/
Did you know that payout annuities can help provide financial predictability in retirement?
Benefits include:
• Reliable monthly income
• Protection against market volatility
• No investment management required
• Peace of mind planning
Discover how guaranteed income streams can complement retirement portfolios and provide stability. Let’s chat! https://advisor.sunlife.ca/spencer.johnston/
Benefits include:
• Reliable monthly income
• Protection against market volatility
• No investment management required
• Peace of mind planning
Discover how guaranteed income streams can complement retirement portfolios and provide stability. Let’s chat! https://advisor.sunlife.ca/spencer.johnston/
Did you know that payout annuities can help provide financial predictability in retirement?
Benefits include:
• Reliable monthly income
• Protection against market volatility
• No investment management required
• Peace of mind planning
Discover how guaranteed income streams can complement retirement portfolios and provide stability. Let’s chat! https://advisor.sunlife.ca/spencer.johnston/
Benefits include:
• Reliable monthly income
• Protection against market volatility
• No investment management required
• Peace of mind planning
Discover how guaranteed income streams can complement retirement portfolios and provide stability. Let’s chat! https://advisor.sunlife.ca/spencer.johnston/
Feeling the winter blahs? You're not alone. There’s still time to prioritize your mental wellbeing this winter. Many Sun Life plans offer coverage for mental health services. Let's discuss how your insurance can support you.
Feeling the winter blahs? You're not alone. There’s still time to prioritize your mental wellbeing this winter. Many Sun Life plans offer coverage for mental health services. Let's discuss how your insurance can support you.
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.
We can help secure your future together. Let us know how we can help.
We can help secure your future together. Let us know how we can help.
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.
We can help secure your future together. Let us know how we can help.
We can help secure your future together. Let us know how we can help.
Strategic planning can help you make the most of housing transitions.
Have you considered:
-Capital gains implications?
-Mortgage protection during transition?
-Investment of home equity?
-Lifestyle considerations?
Professional advice ensures housing decisions align with your overall retirement goals. Let's discuss the financial aspects of downsizing.
#RetirementPlanning #Retirement
Have you considered:
-Capital gains implications?
-Mortgage protection during transition?
-Investment of home equity?
-Lifestyle considerations?
Professional advice ensures housing decisions align with your overall retirement goals. Let's discuss the financial aspects of downsizing.
#RetirementPlanning #Retirement
Strategic planning can help you make the most of housing transitions.
Have you considered:
-Capital gains implications?
-Mortgage protection during transition?
-Investment of home equity?
-Lifestyle considerations?
Professional advice ensures housing decisions align with your overall retirement goals. Let's discuss the financial aspects of downsizing.
#RetirementPlanning #Retirement
Have you considered:
-Capital gains implications?
-Mortgage protection during transition?
-Investment of home equity?
-Lifestyle considerations?
Professional advice ensures housing decisions align with your overall retirement goals. Let's discuss the financial aspects of downsizing.
#RetirementPlanning #Retirement
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!
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!
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/spencer.johnston/
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/spencer.johnston/
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/spencer.johnston/
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/spencer.johnston/
Financial advice that fits your needs. Let Sun Life One Plan help.
Create your personalized roadmap with Sun Life One Plan! This powerful tool helps you set achievable goals and brings your financial dreams closer to reality. https://sunlife.hubs.vidyard.com/watch/ksLWJjT43furjobhkXkgiQ
Take control of your financial future. Reach out today to get started!
#RetirementPlanning #SunLifeOnePlan
Take control of your financial future. Reach out today to get started!
#RetirementPlanning #SunLifeOnePlan
Watch video
Better Transparency for Your 2026 Financial Journey
As we kick off 2026, there is a positive shift happening in the investment industry that I want to highlight: Total Cost Reporting (TCR).
What does this mean for you?
Starting this year, your investment reporting will become more transparent. By the time you receive your 2026 year-end statements in early 2027, you’ll see a full breakdown of the "all-in" costs of your investments.
The important takeaway:
1. 🚫 No new fees: These aren't new costs; they are simply the internal fund expenses that have always existed, now brought into clear view.
2. 📈 Better clarity: You get a 360-degree view of your portfolio costs and value.
3. 🤝 Same partnership: My commitment to your goals and the service I provide remains unchanged.
Transparency is the foundation of trust in financial planning. If you have questions about what this looks like for your specific accounts, let’s chat!
#WealthManagement #FinancialAdvisor #Transparency #TotalCostReporting #FinancialPlanning2026
As we kick off 2026, there is a positive shift happening in the investment industry that I want to highlight: Total Cost Reporting (TCR).
What does this mean for you?
Starting this year, your investment reporting will become more transparent. By the time you receive your 2026 year-end statements in early 2027, you’ll see a full breakdown of the "all-in" costs of your investments.
The important takeaway:
1. 🚫 No new fees: These aren't new costs; they are simply the internal fund expenses that have always existed, now brought into clear view.
2. 📈 Better clarity: You get a 360-degree view of your portfolio costs and value.
3. 🤝 Same partnership: My commitment to your goals and the service I provide remains unchanged.
Transparency is the foundation of trust in financial planning. If you have questions about what this looks like for your specific accounts, let’s chat!
#WealthManagement #FinancialAdvisor #Transparency #TotalCostReporting #FinancialPlanning2026
Better Transparency for Your 2026 Financial Journey
As we kick off 2026, there is a positive shift happening in the investment industry that I want to highlight: Total Cost Reporting (TCR).
What does this mean for you?
Starting this year, your investment reporting will become more transparent. By the time you receive your 2026 year-end statements in early 2027, you’ll see a full breakdown of the "all-in" costs of your investments.
The important takeaway:
1. 🚫 No new fees: These aren't new costs; they are simply the internal fund expenses that have always existed, now brought into clear view.
2. 📈 Better clarity: You get a 360-degree view of your portfolio costs and value.
3. 🤝 Same partnership: My commitment to your goals and the service I provide remains unchanged.
Transparency is the foundation of trust in financial planning. If you have questions about what this looks like for your specific accounts, let’s chat!
#WealthManagement #FinancialAdvisor #Transparency #TotalCostReporting #FinancialPlanning2026
As we kick off 2026, there is a positive shift happening in the investment industry that I want to highlight: Total Cost Reporting (TCR).
What does this mean for you?
Starting this year, your investment reporting will become more transparent. By the time you receive your 2026 year-end statements in early 2027, you’ll see a full breakdown of the "all-in" costs of your investments.
The important takeaway:
1. 🚫 No new fees: These aren't new costs; they are simply the internal fund expenses that have always existed, now brought into clear view.
2. 📈 Better clarity: You get a 360-degree view of your portfolio costs and value.
3. 🤝 Same partnership: My commitment to your goals and the service I provide remains unchanged.
Transparency is the foundation of trust in financial planning. If you have questions about what this looks like for your specific accounts, let’s chat!
#WealthManagement #FinancialAdvisor #Transparency #TotalCostReporting #FinancialPlanning2026
Why do so many of us struggle with saving, spending or even logging into our banking app? The truth is that our relationship with money is a lifelong journey: it often begins long before we open our first account.
Begin the new year right, here’s how to start building healthy money habits now >>> https://www.sunlife.ca/en/investments/how-to-build-healthy-money-habits/
Begin the new year right, here’s how to start building healthy money habits now >>> https://www.sunlife.ca/en/investments/how-to-build-healthy-money-habits/
Why do so many of us struggle with saving, spending or even logging into our banking app? The truth is that our relationship with money is a lifelong journey: it often begins long before we open our first account.
Begin the new year right, here’s how to start building healthy money habits now >>> https://www.sunlife.ca/en/investments/how-to-build-healthy-money-habits/
Begin the new year right, here’s how to start building healthy money habits now >>> https://www.sunlife.ca/en/investments/how-to-build-healthy-money-habits/
How are your health goals going? Remember, small steps can lead to big changes. Your insurance plan might offer resources to keep you on track. Let's review your coverage together.
How are your health goals going? Remember, small steps can lead to big changes. Your insurance plan might offer resources to keep you on track. Let's review your coverage together.
🌱📚 Maximize your RESP contributions to take full advantage of government grants. Let's review your education savings strategy and help secure your child's academic future.
#EducationSavings #RESPTips
#EducationSavings #RESPTips
🌱📚 Maximize your RESP contributions to take full advantage of government grants. Let's review your education savings strategy and help secure your child's academic future.
#EducationSavings #RESPTips
#EducationSavings #RESPTips
🌞 Hello and good day, investors!
Let’s talk about what truly impacts your investment returns...
When thinking about returns, many say it’s all about fees...
But there’s an even bigger factor at play.
👉 BEHAVIOUR!
How you act during market ups and downs makes the biggest difference. The real risk? Abandoning your sensible plan at the exact moment you should stay the course.
Long-term gains come to those who weather uncertainty, not those chasing every market swing.
Feeling uneasy about the markets?
That’s not a sign of failure—it means you’re engaged in the process.
Goal: Don’t let discomfort drive your decisions.
Focus on solid investments, reasonable costs, a long time horizon—and most importantly...
Keep reviewing regularly and stay disciplined when it matters most.
Your future self will thank you!
#InvestmentWisdom #StayTheCourse #LongTermThinking
Let’s talk about what truly impacts your investment returns...
When thinking about returns, many say it’s all about fees...
But there’s an even bigger factor at play.
👉 BEHAVIOUR!
How you act during market ups and downs makes the biggest difference. The real risk? Abandoning your sensible plan at the exact moment you should stay the course.
Long-term gains come to those who weather uncertainty, not those chasing every market swing.
Feeling uneasy about the markets?
That’s not a sign of failure—it means you’re engaged in the process.
Goal: Don’t let discomfort drive your decisions.
Focus on solid investments, reasonable costs, a long time horizon—and most importantly...
Keep reviewing regularly and stay disciplined when it matters most.
Your future self will thank you!
#InvestmentWisdom #StayTheCourse #LongTermThinking
🌞 Hello and good day, investors!
Let’s talk about what truly impacts your investment returns...
When thinking about returns, many say it’s all about fees...
But there’s an even bigger factor at play.
👉 BEHAVIOUR!
How you act during market ups and downs makes the biggest difference. The real risk? Abandoning your sensible plan at the exact moment you should stay the course.
Long-term gains come to those who weather uncertainty, not those chasing every market swing.
Feeling uneasy about the markets?
That’s not a sign of failure—it means you’re engaged in the process.
Goal: Don’t let discomfort drive your decisions.
Focus on solid investments, reasonable costs, a long time horizon—and most importantly...
Keep reviewing regularly and stay disciplined when it matters most.
Your future self will thank you!
#InvestmentWisdom #StayTheCourse #LongTermThinking
Let’s talk about what truly impacts your investment returns...
When thinking about returns, many say it’s all about fees...
But there’s an even bigger factor at play.
👉 BEHAVIOUR!
How you act during market ups and downs makes the biggest difference. The real risk? Abandoning your sensible plan at the exact moment you should stay the course.
Long-term gains come to those who weather uncertainty, not those chasing every market swing.
Feeling uneasy about the markets?
That’s not a sign of failure—it means you’re engaged in the process.
Goal: Don’t let discomfort drive your decisions.
Focus on solid investments, reasonable costs, a long time horizon—and most importantly...
Keep reviewing regularly and stay disciplined when it matters most.
Your future self will thank you!
#InvestmentWisdom #StayTheCourse #LongTermThinking
January doesn't have to be gloomy! Take charge of your money and boost your mood. Whether it's creating a new savings goal or reviewing your investments, small steps can lead to big financial wins.
Let me know how I can help! https://advisor.sunlife.ca/spencer.johnston/
Let me know how I can help! https://advisor.sunlife.ca/spencer.johnston/
January doesn't have to be gloomy! Take charge of your money and boost your mood. Whether it's creating a new savings goal or reviewing your investments, small steps can lead to big financial wins.
Let me know how I can help! https://advisor.sunlife.ca/spencer.johnston/
Let me know how I can help! https://advisor.sunlife.ca/spencer.johnston/
Have questions?
Here to help answer your questions, provide clarity about products and get you started on the road to achieving your goals.