Toronto Stock Exchange at 30,000+

We enter the last quarter of 2025 at new record highs on our Canadian Stock Market. I feel like a broken record as I’ve been reporting on that for months on end… I mentioned in my previous newsletter that the S&P/TSX Composite Index (GSPTSE) was at a level of just over 9,000 when I first got into the Financial Services Industry bank in November 2004.

As of this writing, that same market is sitting at a level over 30,500¹. One year returns are over 26% and five year returns are almost 13.5%. While the Stock Market certainly...

The Smart Way to Weather Life’s Storms

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...

Debt-Free Retiring: From Mortgage Stress to Freedom

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...