Zachary Ayers, Investment Advisor RBC Dominion Securities

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Zachary Ayers, Investment Advisor RBC Dominion Securities

Zach will work with you to customize a financial plan that is based on your priorities and needs, al

10/09/2026

CPP & OAS

When should you start receiving this income?

In this video, accountant Yukio Cummings explains what happens when you claim your government pension at different ages and outlines the key factors you should consider when deciding on optimal timing.

10/03/2026

What happens if you do not have a will?

If you die without one, the government decides who gets your money, your home, and even custody of your children. And spoiler alert: They may not make decisions the way you'd prefer.

In this conversation, estate lawyer Christina Hassan, TEP breaks down exactly what happens when you pass away intestate.

09/17/2026

Planning for a longer life is about more than financial foresight. It’s about health, wellness, and the support systems that let us and our loved ones live with dignity and peace of mind. Dementia is one of the realities many Canadian families will face, and having a plan, both care-wise and financially, can help you prepare for how that chapter unfolds.

In this recent episode of The Hart of It All, host Teri Hart speaks with Dr. Saskia Sivananthan, CEO of the Brainwell Institute, about the Ontario Dementia Task Force and its mission to transform dementia care across the province. They discuss why families need clear guidance, assessments, and support long before caregiver burnout or crisis sets in, and they challenge the misconceptions that still surround dementia today.

I encourage you to give this episode a listen.

Apple: https://apple.co/4dJg3Oi

Spotify: https://bit.ly/4xtFDxO

09/11/2026

Listen as estate lawyer, Christina Hassan, shares two scenarios where proper estate planning can help avoid big problems:

- Dependent children on disability benefits losing eligibility due to inherited assets
- Common-law/interdependent partners making unexpected claims against estates, leaving biological children with nothing

08/27/2026

Listen as accountant Daniel Cashion breaks down essential tax planning strategies designed to reduce estate taxes and preserve wealth for your heirs.

Dan shares approaches that individuals and families can implement now to optimize their financial legacy.

Learn from a trusted accounting professional about the timing, tools, and techniques that matter most when planning ahead.

08/21/2026

Explore how integrated, multi-generational philanthropic advice is helping families build strategies that strengthen both community and family bonds.

08/13/2026

Discover the TRUE cost of wills and estate planning and why the cheapest option often costs you the most.

In this video, I sit down with Christina Hassan, TEP, Estate Lawyer, to break down:

✓ Real costs breakdown – DIY vs. lawyer-assisted estate planning

✓ Step-by-step process – What actually goes into proper estate planning

✓ Hidden risks – The costly mistakes people make going the budget route

✓ What you’re actually paying for – The real value of professional guidance

08/10/2026

Saving for your child’s education? Thoughtful education planning goes beyond simply setting money aside in an RESP — it's about optimizing how, when, and where those funds are structured to make the most of every opportunity. Questions? Send them our way.

08/07/2026

As we age, our physical health undergoes many changes. Older adults may also start to experience changes in their cognitive health. An important part of successful aging is keeping your brain active.

Learn how in Successful Aging: Tips for Keeping Your Body and Mind Sharp from Cleveland Clinic Canada, your experts in living well: https://cle.clinic/4z0a54I

To find out more about our strategic relationship with Cleveland Clinic Canada, reach out to me.

08/03/2026

As Canadians live longer, the reality of aging brings new complexities. Whether you're planning for your own potential care needs or navigating the journey for a loved one, the financial and emotional implications can be significant. Early planning is key.

Specialists from Elder Caring Inc., CanAge, and Baycrest joined RBC Wealth Management to share five practical steps to navigate the emotional and financial costs of caregiving. Watch the conversation here: https://bit.ly/3TyM9oU

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410/600 Crowfoot Crescent NW
Calgary, AB
T3G0B4

Website

http://www.zacharyayers.ca/

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