Edward Jones - Financial Advisor: Tracey Gard

06/15/2026

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)

06/13/2026

Tech is cooling, not breaking: The recent pullback in semiconductors reflects profit-taking after a “too far, too fast” rally, with improving breadth signaling a healthier market backdrop.

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

06/11/2026

Trying to predict the perfect moment to invest is tempting. But here's what history tells us: the best market days often show up during the most uncertain times, exactly when many investors are sitting on the sidelines.

Missing even a small number of strong market days over several decades can create a meaningful gap in long-term results. The challenge is that no one can consistently predict which days those will be.

This is why staying invested matters. A long-term approach allows you to participate in market growth over time, rather than risking being out of the market when opportunities emerge.

If you're unsure about staying invested or want to understand what approach fits your timeline, reach out. We can walk through it together.

When considering where to invest your hard-earned money, it's natural to wonder: should I wait for conditions to settle before investing?

06/09/2026

Recent headlines about Middle East tensions and oil supply disruptions have created short-term market uncertainty.

Here's what I want you to know: markets experienced a pullback from some early 2026 gains in March, but longer-term returns remain strong. Average annual stock returns over the past three years have ranged from 13-25%, even after the recent pullback.

The reality? Periodic volatility is completely normal across market cycles. The S&P 500 typically sees a 10% correction about once a year. We didn't see that through Q1, so this isn't unexpected; it's healthy market behavior.

Rather than reacting to headlines, I encourage you to revisit what really matters: your comfort with risk, your time horizon, and your financial goals. These drive your portfolio design, not the news cycle.

If recent volatility has you questioning your strategy, or if you haven't reviewed your plan in a while, let's talk. We can walk through whether your current approach still aligns with where you want to go—and discuss any adjustments that might make sense for your unique situation.

What questions do you have about navigating market volatility? Drop a comment or send me a message, I'm here to help.

Learn more about your portfolio’s performance, and check out our recommendations for disciplined investors.

06/06/2026

Last week's blowout U.S. payroll report underlined the improvement in the U.S. labour market this year, with hiring accelerating and broadening across sectors, signaling a more durable foundation for growth. Canadian employment data were also surprisingly strong, reversing some of the weakness in hiring this year.

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

06/04/2026

Market headlines can be overwhelming. One day it's good news, the next day it's concerning. When you're trying to make sound financial decisions, all that noise can make it hard to know what's right for you.

This is where personalized guidance can make a difference. Your goals, your timeline, and your comfort level with risk are unique to you. A strategy built around your specific situation helps you tune out the daily market chatter and stay focused on what you're working toward.

Working together, we can create a plan that reflects your priorities and helps give you confidence, no matter what's happening in the markets.

Let's build a strategy that's designed for you.

When considering where to invest your hard-earned money, it's natural to wonder: should I wait for conditions to settle before investing?

06/02/2026

Most people think of budgeting as managing what's happening right now. But a balanced budget can help do something more important. It creates room for your future.

Finding that little "extra" each month can mean a lot as you move toward reaching your long-term financial goals, like retirement. When you free up even small amounts through smarter spending choices, that money can go toward education savings for your children, building an emergency fund, or contributing more to retirement accounts.

This is where budgeting stops being about restriction and becomes about possibility. It's not just tracking expenses. It's making sure your daily financial decisions support the life you want to build over the next 10, 20, or 30 years.

If you'd like to understand how your day-to-day budget connects to your bigger financial picture, let's have a conversation. I can help you see a path from where you are today to where you want to go.

These considerations can help you get a handle on how you spend money each month.

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.

05/30/2026

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.

05/28/2026

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)