Peter Zloty, Senior Investment Advisor

08/06/2026

Is the family cottage part of your estate plan, or just part of your summer?

Vacation properties like cottages, cabins, and secondary homes hold incredible personal value, and keeping them in the family is a priority for many owners. But passing one down can raise more questions than expected, from capital gains tax at death to evaluating trusts versus joint ownership. Read the full article below to explore key succession strategies.

If the best way to share your vacation property with the next generation isn't clear yet, get in touch today.
https://social.cgf.com/avFeIX

07/31/2026

A financial plan that isn't regularly reviewed is just a snapshot of the past.

The best plans evolve, with changes to income, family structure, tax legislation, and long-term goals. Strategy alignment isn't a one-time event. It's an ongoing conversation.

Which raises the question, when did you last review yours?

07/15/2026

The next phase of this market isn't defined by a single theme. It's defined by rotation.

Beneath a steady surface, leadership is quietly shifting, away from a narrow group of technology names and toward a broader set of industries and regions that have been overlooked for years. Manufacturing is proving resilient. Non-US equities offer comparable earnings growth at a meaningful valuation discount. And gold is entering a seasonally constructive window.

Our July Market in Focus explores what this secular inflection means for long-term portfolio positioning, and why discipline, not reaction, is the defining advantage right now. Read the full report below.

box.com

05/14/2026

Are you investing in a business, or renting a ticker?

The Discipline Dividend explores one of the most powerful, and most overlooked, advantages a long-term investor holds: the ability to simply wait. From the collapse in average stock holding periods (8 years to 10 months) to the structural mechanisms that turn patience into return, learn why the long-term investor is competing against almost no one.

A timely read for anyone feeling the pull to do something. Time rewards the patient. Read more below.

amazonaws.com

04/08/2026

Incorporated business owners often save through RRSPs, TFSAs, or corporate portfolios, but these structures carry tax costs that can meaningfully reduce long-term wealth.

The latest edition of Wealth Blueprint, Determining the Most Effective Tax Shelter for Long-Term Corporate Wealth, breaks down how contribution efficiency, tax drag, and estate rules differ across savings options, and why corporate-owned life insurance may offer advantages that traditional structures cannot match.

amazonaws.com

04/07/2026

One of the questions I get asked most often is how a trust could benefit a family like yours.

It's a great question, and one that deserves a thoughtful answer. Trusts come up regularly in planning conversations, but they're rarely well understood. And contrary to what many people assume, they're not exclusive to the ultra-wealthy.

For business owners, blended families, and anyone thinking seriously about what comes next, a well-structured trust can reduce probate exposure, support tax-efficient wealth transfer, and provide real clarity around how your assets are managed and distributed over time.

The latest edition of The Wealth Blueprint breaks it down. Read more about it here.

box.com

03/04/2026

cgf.com

03/03/2026

Morning Coffee – Tuesday, March 3, 2026

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03/02/2026

Morning Coffee – Monday, March 2, 2026

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