Category: Financial Planning

Picture this: you’re planning “retirement” like it’s one big phase. Golf every day, travel the world, maybe some time with the grandkids. But here’s what I learned when I took my mom to Europe and watched a retired NBA player struggle through the tour. Retirement isn’t one phase—it’s three completely…

You’ve saved diligently, planned carefully, and can finally see retirement on the horizon. Then the market crashes. Does this mean putting your dreams on hold? Not necessarily. In this episode of Heart of Your Money, we dive into the often-overlooked “deaccumulation phase” – how to spend your retirement savings wisely…

In this inspiring episode, we sit down with Quinn Magnuson, a former CFL player who has successfully transitioned from professional sports into business advising and leadership coaching. Quinn shares his remarkable journey from growing up on social assistance to earning a football scholarship that changed his life path. His unique…

Whether you’re just receiving your first paycheck or mapping out your retirement, understanding Canada’s tax system is crucial for your financial well-being. Consider this your Canadian Tax Rates 101 Guides! In this episode of Heart of Your Money, I break down marginal tax rates and progressive taxation in simple, practical…

Markets are in turmoil as new tariffs shake investor confidence, but is this truly the crisis the headlines suggest? In this episode, we cut through the panic to reveal what these trade policies really mean for your portfolio. Get the straight facts on the recent US tariff announcements, understand their…

In a world increasingly focused on digital connection, there’s something profoundly human about gathering in a circle to share stories. My conversation with Fraz Wiest, Development and Community Engagement Administrator at Regina’s Globe Theatre, explores how theatre creates authentic bonds that transcend entertainment. As Canada’s only permanent theatre-in-the-round completes its…

What does your ideal retirement lifestyle look like? Before diving into investment strategies and portfolio allocations, we need to start with a more fundamental question: What truly matters to you? In this episode of Heart of Your Money, we explore how understanding your core values transforms financial planning from a…

Ready to structure cash flow in retirement but feeling overwhelmed? While it might not be the most exciting topic, creating a clear system for your retirement income and expenses is crucial for a stress-free future. In this episode, I’m breaking down a simple yet effective two-bucket approach to managing your…

Retirement planning can be complex, but few aspects are as critical as understanding your government benefits. In this episode of Heart of Your Money, we’re tackling four costly mistakes that could be diminishing your retirement income. From underestimating the true value of CPP and OAS to getting blindsided by the…

Are you staring at your retirement savings, wondering if it will be enough? You’re not alone. Many retirees struggle with the emotional shift from saving to spending, often feeling anxious about “turning on the tap” of their hard-earned nest egg. But there’s a more empowering way to think about retirement:…