Why You Need a Solid Financial Strategy
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In recent years, the FIRE movement–short for Financial Independence, Retire Early–has gained traction among Canadians looking to leave the workforce decades ahead of the traditional retirement age. While the dream of stepping away from work in your 40s or 50s is exciting, it also raises a big question: how do you make your money last when you could be retired for 30, 40, or even 50 years?
Over the past century, Canadians have seen their lifespans stretch–many now live well into their 80s–yet the age at which they stop working hasn’t shifted much. That extended retirement phase can put a serious strain on your finances.
According to a recent Reddit survey, Canada’s average expected retirement age is around 64, with nearly half planning to retire before 65–but many also lack confidence in...
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The Smart Way to Weather Life’s Storms
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We all know the saying: nothing in life is certain except death and taxes. But there’s another truth we tend to forget–life is full of surprises, and not all of them are good ones.
A sudden job loss. A medical emergency. A serious accident. Even the loss of a loved one. When you think about how many ways life can throw a curveball, the odds of facing at least one major financial shock are high. Many Canadian families are just one missed paycheque away from real trouble. The real question isn’t if something unexpected will happen–it’s when.
So, why don’t more people prepare for it? Often, it’s because we think we’ll have time "later” or...
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Debt-Free Retiring: From Mortgage Stress to Freedom
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Feeling weighed down by debt while trying to save for retirement? You’re not alone. Many Canadians are juggling mortgages, lines of credit, and family expenses while still hoping to retire comfortably.
The numbers tell the story. According to Statistics Canada, the household credit market debt-to-disposable income ratio reached 173.9% in Q1 2025–the second-highest level on record. That means Canadians owe about $1.74 for every dollar they take home. Even though debt servicing costs are stable at around 14.4% of disposable income, the sheer size of household debt can feel overwhelming.
Sam and Marsha, both in their mid-40s, have a 17-year-old daughter, Alicia, who’s gearing up for college. They’ve always been...
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It is during our darkest moments that we must focus to see the light.
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The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This newsletter was written, designed, and produced by AdvisorNet Communications Inc., for the benefit of Donald Dasti, Investment Funds Advisor with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this newsletter comes from sources we believe reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated. 
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Donald R. Dasti and Associates
125 Mary Street, Whitby, ON L1N 2P3
Ph:(905) 666-0896
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