Edward Jones - Financial Advisor: Toddye Kam

09/07/2026

Old Age Security, or OAS, is an important part of retirement income for many Canadians, but how and when you receive it can vary.

Your eligibility is based on residency, not work history. Payment amounts can change over time and may be affected by when you start and how OAS fits with your other income sources.

Understanding these details can help you make more informed retirement decisions.

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

09/05/2026

Investors will be watching the September 16 Federal Reserve interest rate decision closely.

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

09/03/2026

Getting married or becoming common law isn’t just a personal milestone, it’s a financial one, too.

A few important money to-dos that couples often overlook:

✅ Review beneficiaries and update important documents
✅ Decide how you’ll organize accounts and manage day to day money
✅ Talk through short-term priorities and longer-term goals
✅ Understand how marriage or common law status may affect taxes and benefits

You don’t need to have every answer right away. What matters is starting the conversation and having a plan that can evolve as your life changes.

As your Edward Jones financial advisor, I can help you work through these next steps and build a plan that reflects both partners.

09/02/2026

Big-name Initial Public Offerings (IPOs) generate real excitement, and some of the private companies that are going public right now are ones many of us know well. But familiarity with a brand isn't the same as a sound investment rationale.

Before deciding to invest, it's worth evaluating fundamentals, not just the fanfare. Think through the company's business prospects, competitive position, valuation, and whether it fits your goals and risk tolerance as these investments can be quite volatile, especially in the first few months of trading.

I can help you assess whether investing in companies' post-IPO makes sense for your situation. Reach out anytime to book an appointment.

IPO excitement is real — but buzz doesn't always translate to returns. Before you invest, learn why fundamentals, profitability, and your risk tolerance matter more than brand recognition.

09/01/2026

Dreaming of a home in the U.S. for winter escapes? You’re not alone.

But when planning a property purchase south of the border, it’s critical to understand the potential tax implications:

• U.S. estate tax may apply over $60K USD
• Foreign property over $100K CAD? Reporting may be required in Canada
• Rental income may face a 30% withholding tax (or require U.S. filings)
• Selling? Up to 15% may be withheld on the proceeds
• Too much time in the U.S. could make you a tax resident

You can enjoy your winters in the sun, but knowing your tax obligations upfront can help you avoid costly surprises.

Before signing a purchase agreement, speak with a cross-border tax professional to understand how it fits into your overall financial plan.

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.

08/31/2026

When it comes to investing, taxes matter more than many people realize.

A well-thought-out financial plan doesn’t just focus on returns, it considers:

• How your investments are taxed
Different income types can impact your outcomes over time

• Where your investments are held
Accounts like RRSPs, TFSAs and non-registered accounts all behave differently

• How everything works together
So your strategy supports your long-term goals

Why this matters:

• It helps you keep more of what you earn
• It aligns your money with your priorities
• It builds a more resilient, long-term strategy

This is the kind of planning I focus on with clients every day.

If you’d like to review your approach, I’d be happy to connect.

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.

Understand how interest, dividends and capital gains from investments are taxed.

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.

08/28/2026

What's new on your 2026 annual cost report?

New regulatory requirements are enhancing what appears on your 2026 annual cost report, and the result is a more complete, transparent view of your investment costs.

You will see three key enhancements:

• Investment fund costs, now visible. Costs built into many common investments like mutual funds and ETFs, including management fees, trading within the fund, and operations, will now appear in your report as both percentages and dollar amounts.

• Fund Expense Ratio (FER), a complete view. FER combines a fund's Management Expense Ratio (MER) and Trading Expense Ratio (TER) into one number, giving you the complete annual cost of each fund you own.

• Total Investment Costs, the complete picture. Your report will now sum fund costs, transaction costs, and operating costs into one clear total, capturing your full cost of investing with Edward Jones for the year.

These enhancements show the total cost of owning many common investments.

If you have any questions, please schedule an appointment with me to review your report together.

Starting in January 2027, your 2026 annual costs report will be enhanced to offer a clearer picture of what you pay to invest.