Financial Wisdom

October 2026

The FHSA Reality Check

Let’s be completely real for a second: trying to save up for a down payment in today’s Canadian housing market can often feel a lot like trying to fill a large swimming pool with a leaky bucket.

Housing prices are undeniably steep, and ensuring every single dollar works efficiently for you counts. Enter the First Home Savings Account (FHSA). Since rolling out, financial experts have heavily praised it as a game-changer. But does it actually move the...

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Business Risk Planning

Imagine the following scenario for a moment. You and your partner have opened a business and are feeling extremely confident about your current success.

Your primary competition across the street cannot keep up after one of their co-owners passes away, eventually closing down. Their entire customer base eventually comes your way, and business has never been better. This might be a positive scenario strictly as...

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The Pay Yourself Retirement Spending Plan

One of the biggest adjustments in retirement is losing the regular paycheque you’ve had your whole working life. Suddenly, money isn’t flowing in like clockwork–and that can feel unsettling. But you can recreate that stability with the "Pay Yourself" rule of retirement spending. And no, it doesn’t require any complicated plan.

The idea is simple: set up an automatic deposit into your chequing account so it feels just like payday. With predictable income arriving each month, it becomes much easier to plan ahead and enjoy your retirement without constantly worrying...

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One can choose to go back toward safety or forward toward growth. Growth must be chosen again and again; fear must be overcome again and again.

Abraham Maslow

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 Ken Rattenbury, 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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