Edward Jones-Financial Advisor: Jonathan Derrick

06/02/2026

Most people insure their homes and vehicles without hesitation. Yet the asset that makes those purchases possible, your earning capacity, often goes unprotected.

Extended illness or injury can interrupt income flow when you need it most. Government and workplace programs may provide partial support, but not always enough to maintain your current lifestyle or meet ongoing financial commitments.

Your ability to earn income may be your most valuable asset. Protecting it is an essential part of long‑term financial resilience.

If you're unsure how protection planning fits into your financial strategy, I can help you explore options that support your long‑term care needs and strengthen your overall plan.

In Quebec, insurance is placed through Edward Jones Insurance Agency (Québec) Inc. In all other provinces/territories, insurance is placed through Edward Jones Insurance Agency

Build protection into your financial strategy to help preserve your lifestyle and emotional well-being.

06/01/2026

Happy Pride Month! 🌈

This June, we celebrate love, authenticity, and the courage it takes to live as your true self.

Pride is about visibility, acceptance, and progress. It's about creating spaces where everyone feels safe to plan for the life they envision, whether that's marriage, family planning, retirement, or legacy building.

05/31/2026

If you’re building education savings through a Registered Education Savings Plan (RESP), the Canada Education Savings Grant (CESG) is one of the most valuable benefits.

The federal government adds 20% to your eligible contributions each year — up to $500 annually to a maximum of $7,200 per child. To receive it, you must contribute, but unused grant room can often be made up in future years.

If you want to maximize these opportunities, I can help you map out the right contribution strategy.

Reach out to book a meeting.

A tax-deferred savings account designed to help you save for qualified post-secondary education.

05/30/2026

Old Age Security (OAS) doesn't exist in isolation. It interacts with all your other retirement income sources, and understanding these interactions helps you make smarter decisions about your overall retirement strategy.

Here's what to know: OAS benefits may be reduced if your income exceeds certain thresholds. This is called the OAS recovery tax or clawback. For every dollar you earn above the threshold, you lose 15 cents of your OAS benefit.

This means the way you manage your pension income, RRSP/RRIF withdrawals, investment income, and even part-time work can all affect how much OAS you actually keep. Some retirees are surprised to discover that a larger RRIF withdrawal or investment gain pushes them into clawback territory.

Planning your withdrawals, pensions, and savings together helps optimize your retirement income mix. When you coordinate all your income sources strategically, you can often keep more of what you've earned.

If you want to understand how your OAS will work alongside your other retirement income, let's have a conversation. I can help you see the full picture and make decisions that work together.

You asked – we answered! Here are the top 10 questions about Old Age Security (OAS)

05/30/2026

Markets closed last week hopeful that a U.S.–Iran peace deal will finally help unwind the shock to global energy markets seen this year, with equities hitting new record highs and bonds rebounding.

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

05/29/2026

Asset location is an important part of building and maintaining a thoughtful financial strategy. It focuses on where investments are held across different account types and how those choices affect taxes over time with the goal of maximizing after-tax returns.

This approach does not change your goals, your asset allocation, or your risk level. Instead, it helps ensure your investments, accounts, and tax considerations are working together efficiently.

As your Edward Jones financial advisor, my role is to help you make informed, well-coordinated decisions and revisit them as your life and priorities evolve.

Where you hold your assets could have an impact on tax treatment.

05/28/2026

One of the most common questions about Old Age Security (OAS) is when to start taking it. The standard age is 65, but you can delay until age 70. Each choice affects how much you receive.

Starting at 65 means you begin receiving income earlier. But if you delay, your monthly payments increase by 0.6% for each month you wait, up to a maximum 36% increase at age 70.

So which option is right for you? It depends on several factors unique to your situation. Your current tax rate matters. If you're still working or have other significant income, delaying might make sense. Your total income matters too, because OAS is subject to a clawback if your income exceeds certain thresholds.

If you're approaching 65 and wondering when to start your OAS, reach out. I can help you evaluate your options based on your personal circumstances.

You asked – we answered! Here are the top 10 questions about Old Age Security (OAS)

05/27/2026

Owning U.S. property as a Canadian comes with tax considerations that are easy to overlook. From time spent in the U.S. to rental income, estate taxes, and sale proceeds, there are multiple rules that can affect your overall financial picture. Understanding these key areas can help you avoid surprises and plan more confidently, whether you already own property or are considering buying.

👉 Reach out to me, and I can help you understand these tax considerations and work with cross border tax professionals to support informed decisions.

💡 Edward Jones, its employees and financial advisors do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your personal situation. This content is for informational purposes only.

Interested in snowbirding south? See the tax implications of purchasing or selling property in the U.S.

05/26/2026

If you’re planning your TFSA contributions, this is a great time to revisit your strategy.

I’m here locally to help you make the most of your tax free room.

05/25/2026

Accountability, clarity and someone who can help simplify your financial life: It's real and available to you.

Contact me today to schedule a no-obligation review that's convenient for you.