Lmst

#MoneyArchitect

If you have a #DefinedContribution (DC) #pension plan through work, do you understand how it works and what your choices are?

In my latest #MoneyArchitect blog post, I break down DC pensions in Canada: contributions, investment options, and what happens at retirement.

Whether you’re just enrolling or planning to retire, this guide can help you make informed decisions.

https://moneyarchitect.ca/understanding-defined-contribution-pension-plans-what-you-need-to-know/

#AdviceOnly #FinancialPlanningCanada #RetirementPlanning #PersonalFinanceCanada

An image of coins representing an individuals assets held within a defined contribution pension plan.

RRSPs: Always a good idea?
In my newest #MoneyArchitect blog post, I compare two real-world retirement planning scenarios:
Karen — modest income, living in B.C.
Michael & Sarah — upper-middle income in Ontario
* When RRSPs help
* When they hurt
* When a TFSA might work better.

#RRSP #TFSA #RetirementPlanning #FinancialPlanningCanada #PersonalFinanceCanada #MoneyArchitectFinancialPlanning #TaxPlanning

Karen, a single low-income woman on the left; Michael and Sarah, a upper-middle income couple on the right; two examples of when the RRSP may or may not be the better choice.

For investors nearing retirement, the current market volatility might be making you anxious. But reacting emotionally to market drops often backfires.

In my latest #MoneyArchitect blog post, I offer a few ways to assess your situation, stress-test your retirement plan, and decide what to do next (if anything).

#FinancialPlanningCanada #InvestmentPlanning
#MoneyArchitectFinancialPlanning
#RetirementPlanning #PersonalFinanceCanada

A retiree with a stressed look on his face as he stares at his laptop and sees the state of his investment accounts.

For many seniors, moving into a retirement community marks a major life transition filled with emotional and financial considerations. In my latest #MoneyArchitect post, I share Margaret’s story: a recently widowed woman who found peace of mind, financial security, and a renewed sense of connection by embracing #retirementliving. Thoughtful planning can make all the difference. #AdviceOnly #FinancialPlanningCanada #RetirementPlanning

Two senior men playing chess with a third senior man looking on. They are in a park-like setting adjacent to a seniors community.

In my latest #MoneyArchitect blog post, I explore the key factors investors can control to make informed, confident decisions. Learn how to navigate uncertainty and stay on track.

#Investing #DIYInvesting #FinancialPlanning #MoneyArchitectFinancialPlanning #PersonalFinanceCanada

Controlling a soccer ball, an image reflecting the message of this blog post, that investors should work on the things they can control and recognize the things they cannot control.

Nature risk is financial risk.

Rising insurance costs, soaring food prices, and investment risks tied to climate change are already affecting Canadians.

How can you adapt? My latest #MoneyArchitect blog explores strategies for resilience—covering home insurance, energy efficiency, investing, and food security.

#PersonalFinanceCanada #NatureRisk #FinancialPlanningCanada #SustainableInvesting

Investing doesn’t have to be complicated. Asset-allocation ETFs offer simple, low-cost diversified portfolios—without the stress of picking funds.

In my latest #MoneyArchitect blog post, I compare costs, returns, and how they work, plus explore ESG options. If you're a DIY investor looking for an easy-to-manage solution, this might be for you.

Retirement doesn’t have to mean financial stress. The SMILE approach is a flexible, balanced strategy to ensure your savings last and your lifestyle is secure. Learn how it works and why it can bring peace of mind. Read my latest #moneyarchitectfinancialplanning blog for more: https://moneyarchitect.ca/adopting-the-smile-approach-to-retirement-planning/ #RetirementPlanning #financialplanningcanada #personalfinancecanada
#moneyarchitect

Speculative investing in a TFSA can cost you more than you think.

In my latest #moneyarchitect blog, I explore why chasing "hot tips" often leads to disappointment and how adopting a thoughtful, balanced strategy can help you make the most of your TFSA—and your financial future.

💡 Ready to invest smarter in 2025? Read the full post here: https://moneyarchitect.ca/the-perils-of-speculating-in-your-tfsa/

#PersonalFinance #TFSA #Investing #personalfinancecanada #financialplanningcanada #moneyarchitectfinancialplanning

Market forecasts: bold predictions, big risks.

In my latest #MoneyArchitect blog post, I discuss why short-term predictions about market trends often lead to poor decisions—and how a long-term investment strategy can provide clarity and confidence.

Skip the noise and focus on what really matters. Read more here: https://moneyarchitect.ca/the-futility-of-forecasting-market-returns-why-its-better-to-focus-on-the-long-term-plan/

#FinancialPlanning #financialplanningcanada
#personalfinancecanada
#adviceonly
#moneyarchitectfinancialplanning

Think you can outsmart the market? Success isn’t about guessing right—it’s about discipline, low costs, and diversification. Learn why humility is your greatest ally in my latest #MoneyArchitect blog post. https://moneyarchitect.ca/were-not-that-smart-why-humility-wins-in-investing/ #personalfinancecanada #financialplanningcanada
#moneyarchitectfinancialplanning

Facing a big financial decision like a $200,000 renovation before retirement? Choosing the right funding strategy—investments, TFSAs, or borrowing—can make a big difference for your long-term plans.

In my latest #MoneyArchitect blog, I explore how to balance these funding apporaches to make a better choice.

#financialplanningcanada #personalfinancecanada
#moneyarchitectfinancialplanning

For those handling finances solo, In my latest #MoneyArchitect blog post I explore the distinct financial challenges single Canadians face and offer some practical steps to build financial security independently. From managing day-to-day expenses to planning for retirement, I hope these ideas can be useful. Take a look if you’re interested! #PersonalFinance #FinancialPlanning #SingleLife #financialplanningcanada #moneyarchitectfinancialplanning
https://moneyarchitect.ca/financial-realities-for-unattached-canadians-strategies-for-a-secure-future/

Are you curious how a young couple with variable income can build financial security? In my latest #MoneyArchitect blog post, I cover strategies for stabilizing cash flow, prioritizing goals, and planning a future home purchase. Check it out here: https://moneyarchitect.ca/seven-factors-for-financial-success-the-story-of-matthew-and-nicole/
#personalfinancecanada
#financialplanningcanada
#moneyarchitectfinancialplanning

In my latest blog, I explore how strategic estate planning can protect your wealth and minimize taxes, helping ensure your family's financial future. With smart tools like joint ownership and life insurance, you can reduce tax burdens and secure peace of mind. Want to learn more? Head to my blog: https://moneyarchitect.ca/estate-planning-and-tax-minimization/ #EstatePlanning #TaxPlanning #FinancialPlanning #MoneyArchitect #financialplanningcanada

The #trustedcontactperson or #TCP is one of the more recent tools that is available to #financialplanners and their clients to help prevent #financialabuse. Read my latest #moneyarchitect blog post for more information. #financialplanningcanada https://moneyarchitect.ca/do-you-have-a-trusted-contact-person/

There has been a lot of discussion in the media about how the proposed changes to the #capitalgains inclusion rate will affect Canadian investors and the Canadian economy more broadly. In my latest #moneyarchitectfinancialplanning blog post, we "sit down for breakfast" with Lee and three of his buddies as they try to understand what's going on. Read on to find out more. https://moneyarchitect.ca/what-is-happening-to-capital-gains-tax/ #moneyarchitect #adviceonly #financialplanningCanada #personalfinancecanada