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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This material was prepared by AdvisorNet on behalf your Investment Advisor with Aligned Capital Partners Inc. (“ACPI”). This material is provided solely for general information and should not be considered individual investment advice or construed as an offer or solicitation to buy or sell securities. The information contained herein may not apply to all types of investors. Before acting on this material, please seek professional advice, as appropriate, based on your personal circumstances. All opinions expressed and information provided herein are subject to change without notice. Although this material has been compiled from sources believed to be reliable as at the date of publication, we cannot guarantee its accuracy or completeness. All charts and illustrations in this document are for illustrative purposes only and they are not intended to predict or project investment results. In considering any particular investment, please remember that past performance is no guarantee of future performance. ACPI is a full-service investment dealer and a member of the Canadian Investor Protection Fund (“CIPF”) and the Canadian Investment Regulatory Organization (“CIRO”). Investment services are provided through ACPI. Only investment-related products and services are offered through ACPI and covered by the CIPF. Financial planning and insurance services are provided through Cornerstone Financial Management Inc. Cornerstone Financial Management Inc. is an independent company separate and distinct from ACPI.
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Cornerstone Securities
380 Wellington St, Tower B 6th Floor, London, ON N6A 5B5
Ph:(519) 204-2495
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