Penni Johnston Wealth Advisory

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Penni Johnston Wealth Advisory We partner with successful individuals, businesses and families to provide bespoke wealth management solutions.

10/15/2026

What if your biggest investing mistake is not what you bought, but when you gave up?

Market volatility can make changing course feel like the responsible choice. But a portfolio should be assessed against your goals, time horizon and financial plan, not simply against the latest headline or recent top performer.

Before reacting, ask whether your strategy has fundamentally changed or whether the market is simply testing your patience. The difference matters.

Ahead of the Thanksgiving weekend, we're grateful for another year of working alongside our clients and colleagues. Wish...
10/09/2026

Ahead of the Thanksgiving weekend, we're grateful for another year of working alongside our clients and colleagues. Wishing everyone a happy Thanksgiving from all of us at Canaccord Genuity.

10/07/2026

Your family may be avoiding one of the most important money conversations they will ever have.

Many parents feel caught between two goals: being transparent and preserving their children's motivation. They worry that talking about an inheritance could create expectations or discourage their children from building their own financial future.

Adult children feel the tension too. They may want to understand the plan, but asking can feel disrespectful or opportunistic.

Breaking that pattern does not require one large, dramatic family meeting. It can start with a simple conversation about values, responsibilities, and where to find important information.

Openness is not about telling everyone everything. It is about making sure silence does not become confusion.

Did your family discuss money openly when you were growing up?

One beneficiary designation could have a significant impact on how much of your wealth is preserved for your spouse and ...
10/01/2026

One beneficiary designation could have a significant impact on how much of your wealth is preserved for your spouse and family.

When structured properly, naming your spouse as a beneficiary of your RRSP or RRIF can create valuable tax-deferral opportunities and help preserve family wealth. For RRIF owners, designating a spouse as successor annuitant can further simplify administration while allowing the account to continue uninterrupted after death.

The challenge is that beneficiary designations are often forgotten, outdated, or not coordinated with the broader estate plan. A periodic review can help ensure your intentions are reflected and reduce the risk of unnecessary taxes, delays, or family disputes.

Have you reviewed your RRSP and RRIF beneficiary designations recently?

Explore our latest article to better understand the estate planning considerations for RRSPs and RRIFs: https://bit.ly/4jtghgg

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Follow this series every Thursday for more insights on wealth coordination.

Could the biggest retirement risk be assuming you need a fixed number?Many people spend years focused on reaching a spec...
09/29/2026

Could the biggest retirement risk be assuming you need a fixed number?

Many people spend years focused on reaching a specific savings target, yet retirement is rarely that predictable. Spending patterns often change over time, and factors such as family support, health care needs, or a later-life divorce can influence financial outcomes in ways no calculator can fully anticipate.

Rather than trying to predict every possibility, retirement planning works best when it focuses on building a flexible strategy that can adjust as circumstances change. Confidence in retirement often comes from adaptability, not just account balances.

If you’re wondering how much is truly enough, this article offers a fresh perspective: https://bit.ly/4cZFTNY

Planning isn't only about what happens to your wealth. It's about the people connected to it.Thank you to everyone who j...
09/25/2026

Planning isn't only about what happens to your wealth. It's about the people connected to it.

Thank you to everyone who joined us for the Estate Essentials Event. We had a thoughtful discussion about wills, powers of attorney, personal directives, supporting adult children, family conversations, executor responsibilities, and keeping plans current as life changes. These topics were covered throughout the presentation and supporting materials shared with attendees.

The best estate plans are often the ones that help families avoid unnecessary stress and uncertainty down the road. The goal isn't just to transfer assets. It's to provide clarity, protect loved ones, and ensure your wishes are understood.

We're thinking about future events. What estate, retirement, tax, or wealth planning topics would you like to discuss next?

Most people don’t realize that being named an Executor can mean managing more than 70 separate tasks during the estate s...
09/24/2026

Most people don’t realize that being named an Executor can mean managing more than 70 separate tasks during the estate settlement process.

An Executor is responsible for carrying out the wishes outlined in a Will, navigating probate, coordinating estate administration, managing taxes, communicating with beneficiaries, and overseeing countless other estate responsibilities.

The good news? You don't have to do it alone. A trust company, lawyer, and accountant can help with everything from asset valuations and tax filings to estate settlement and distributions.

Understanding these responsibilities is an important part of both estate planning and legacy planning, helping ensure your wishes are carried out efficiently and thoughtfully.

Learn more about the role of an Executor and how proactive financial planning can help protect your legacy: https://bit.ly/4xbZ5it

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Follow this series every Thursday for more insights on wealth coordination.

That painting on the wall could be more than a passion purchase.For many families, art and collectibles are part of thei...
09/22/2026

That painting on the wall could be more than a passion purchase.

For many families, art and collectibles are part of their wealth story. But unlike traditional investments, these assets often require careful planning around taxes, ownership, estate distribution, and succession.

The key isn't just what you own. It's having a clear plan for what happens next.

Learn more about the planning considerations behind art and tangible assets: https://bit.ly/3SHtwyP

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Follow this series every Tuesday for more insights on wealth coordination.

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T2P0R3

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