My latest article for the National Post looks at Kevin, 53, who is considering retiring next year after the death of his wife changed how he thinks about work, family and how he wants to spend his time. He has nearly $1 million invested, a $1.5 million debt-free home and an employer pension, but he The post National Post article: Everything changed when Kevin’s wife died. He now wants to retire…
Beyond the Will: How Canadian Couples Can Use Trusts to Protect Each Other A guide to achieve continuity, clarity, tax efficiency, and family harmony. Beyond the Will: How Canadian Couples Can Use Trusts to Protect Each Other Most Canadian couples believe their estate plan is complete once they have wills, powers of attorney, and beneficiary The post Secure Your Future Together: The Power of Trust…
As we hit the halfway point of 2026, it’s the perfect moment to step back and talk about what really builds lasting financial freedom: staying focused on your long-term plan amid all the noise. Think of your financial plan as the GPS for your life. It’s not a dusty document it’s a dynamic, living The post Stay Invested Your “Behavioural Vitamin C” to Build Real Financial Freedom appeared first on…
A Practical Guide to Building Credit Confidence in Canada Based on a previous article framework by Sabiha Mukadam, CFP Credit can feel intimidating when no one has explained it clearly. Many people grow up hearing warnings like: · Do not ruin your credit. · Credit cards are dangerous. · The post Understanding Credit Without Fear or Confusion appeared first on Ed Rempel .
For decades, the bedrock of mainstream financial planning has been built on a comforting, two-part rule: diversify your wealth between stocks and bonds, and steadily shift toward the safety of fixed income as you grow older. But according to Toronto-based veteran tax accountant fee-for-service financial planner, Ed Rempel, this time-honoured tradition might actually be The post Get Financial…
Starting Over Financially After Loss or Divorce ________________________________________________________________________ When life changes and you suddenly have to handle it all Part 1: Finding Your Floor Before Making Big Decisions A note about this seriesThis is Part 1 of a practical series on rebuilding financial confidence after loss, divorce, or separation.Today is not about building a…
Can you use the Smith Manoeuvre and the Cash Dam together? Many Canadians have heard of the Smith Manoeuvre. Many are also self-employed and don t realize they could be using the Cash Dam. How do they fit together in a real financial plan? I break down what each strategy is, why it works, when each The post The Smith Manoeuvre vs Cash Dam: How to Choose the Right Strategy and How Self-Employed…
When most people hear the word interest, they think of one thing: “Interest is bad.” Credit cards. Loans. Debt stress. But interest isn’t a financial villain — it’s just leverage. The reality of today s world is simple: you cannot build a massive future entirely on pocket change. Whether it s funding an education, buying a car The post How Interest Affects Your Money: Why Small Decisions Matter…
One of the questions I hear most often is, Do I have enough to retire? The answer is almost never as simple as looking at the size of your portfolio. The real question is whether your investments, savings strategy, tax planning, and retirement income plan all work together to support the lifestyle you want. In The post National Post article: Is a $740,000 all-equity portfolio enough for Jasmine…
Are There Really 8 Smith Manoeuvre Strategies? In my previous article, we covered the fundamentals of the Smith Manoeuvre and how the strategy works at a high level. I also mentioned that the Smith Manoeuvre is not limited to just one approach—there are several different ways it can be implemented depending on your goals, financial The post Beyond the Basics: The Different Smith Manoeuvre…