Edward Jones - Financial Advisor, Financial Planner: Daryl Krompart

09/03/2026

Business owners have unique income splitting opportunities - but they also come with strict rules and conditions.

Family members who actively work in your business may be eligible to earn a salary or dividends, potentially spreading income across lower tax brackets. However, Tax on Split Income (TOSI) rules impose complex requirements that must be carefully followed to avoid punitive taxation.

I work alongside your qualified tax or legal professional to help you evaluate income splitting strategies that comply with TOSI regulations. Reach out to discuss your business structure.

Income splitting is a strategy to level out income earned by spouses to reduce tax bills.

09/02/2026

Did you know that once you open a First Home Savings Account (FHSA), you have 15 years to use it?

🏠 A FHSA is a smart, tax-sheltered way to grow your savings for a first home. But opening one too soon could mean a taxable withdrawal if you don’t purchase a home before it expires.

⏰ Want to make sure you get your timing right? Let’s talk about a homebuying strategy that works for your goals.

Let's look at some key factors to consider when determining if it makes sense for you to open an FHSA this year.

08/31/2026

Market headlines can be overwhelming. One day it's good news, the next day it's concerning. When you're trying to make sound financial decisions, all that noise can make it hard to know what's right for you.

This is where personalized guidance can make a difference. Your goals, your timeline, and your comfort level with risk are unique to you. A strategy built around your specific situation helps you tune out the daily market chatter and stay focused on what you're working toward.

Working together, we can create a plan that reflects your priorities and helps give you confidence, no matter what's happening in the markets.

Let's build a strategy that's designed for you.

When considering where to invest your hard-earned money, it's natural to wonder: should I wait for conditions to settle before investing?

08/29/2026

The burden of proof shifts back to AI skeptics. NVIDIA's earnings reinforced that AI demand and spending remain robust, with customer demand continuing to outpace supply and little evidence that the AI investment cycle is nearing an end.

How did the markets perform this week? Get the highlights and the latest economic news.

08/28/2026

A new school year is just around the corner, and for many families that means it's time to start drawing from an RESP.

Julie Petrera, our Director of Financial Planning at Edward Jones Canada, shared some helpful perspective in The Canadian Press on the mistakes to avoid — like taking from the wrong portion of the account first, or leaving too much invested in equities too close to withdrawal time.

We work with media to share insights like these because the families we serve are asking these same questions every day. By contributing to credible publications, we help bring timely, trustworthy guidance to clients and families across Canada — not just in our own communities, but wherever these conversations are happening.

If education planning is on your mind, reach out. We're here to help.

As the school year approaches, families across the country are getting ready to tap into their registered education savings plans.

08/27/2026

A well-designed portfolio is more than a collection of investments. It's built around a clearly defined portfolio objective that guides how your investments are managed over time.

That objective is shaped by two important factors: where you are in life and how much investment risk you're comfortable taking.

For someone in the early stages of investing with a higher tolerance for risk, a growth-focused objective might be appropriate. For someone closer to retirement, a focus on income or preserving wealth may be a higher priority.

The result is an investment strategy designed to support the future you’re building, while considering your unique financial situation and your comfort with risk.

Is your portfolio working toward the right objective? Let's review your investment strategy and ensure it’s aligned to your long-term goals.

08/26/2026

You may have heard of active investing and passive investing. But what's the difference?

Active investing means that your investments are managed by professionals who research and select investments with the goal of outperforming an index. While there's no guarantee of better performance, this can offer greater potential for returns and reduced risk.

Passive investing aims to match the performance of a market index. Your investment typically rises and falls with the market and comes with lower fees.

The good news? You don't have to choose just one approach.

Many well-diversified portfolios include a mix of active and passive investments. The right balance depends on your financial goals, time horizon, and comfort with risk.

Wondering which approach makes sense for you? Let's connect and build an investment strategy that fits your goals.

Learn about the similarities and differences between these two popular investment styles.

08/24/2026

Stocks are a cornerstone of many investment portfolios because of the potential they offer for long-term growth. But with that potential comes periods of market volatility.

Although market swings can feel unsettling, they're a normal part of investing.

The key to staying on track is to remain focused on your long-term strategy, not short-term ups and downs.

If you'd like a second opinion on your portfolio or want to review your investment strategy, I'd be happy to help. Let's connect.

Equities can add diversification and serve as a growth engine to help build value over time.

08/22/2026

Upward pressure on global long-term bond yields weighed on investor sentiment, sending stocks lower last week.

How did the markets perform this week? Get the highlights and the latest economic news.