Edward Jones - Financial Advisor: Rica M. Vinluan, CFP

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.

09/04/2026

Before you commit to helping your child financially with a home purchase, it's worth understanding how this decision might ripple through the rest of your financial picture.

1. Your retirement and savings: Large gifts or loans can influence your long-term savings or retirement goals. If you need to liquidate investments to provide a gift, there could be tax consequences you'll want to plan for.

2. Your credit and borrowing capacity: Co-signing affects your own credit and borrowing ability. It shows up on your credit report and could limit what you can access for your own needs or to help other children down the road.

3. Fairness across your family: If you have multiple children or a blended family, you'll also want to think through fairness considerations. How will you ensure equal treatment over time? What happens if you pass away before you're able to help all your children equally?

4. Documentation and protection: Regardless of which approach you take, clear documentation helps avoid family misunderstandings later. This is especially important if you're loaning money or if there's any possibility of a relationship breakdown in your child's future.

If you're considering helping your child buy a home, reach out. I can help you understand the full financial impact and help make sure this decision supports rather than compromises your own future.

Here’s what to consider

09/03/2026

In a recent survey conducted by Edward Jones Canada, younger Canadians are showing renewed momentum in RRSP contributions:

→ 48% plan to contribute to their RRSP this year
→ Up from 41% last year
→ Moving closer to the 58% seen in 2024

This modest rebound signals an important shift in retirement planning engagement among younger demographics.

Starting early can offer advantage. Time allows for market fluctuations to smooth out, growth to compound, and adjustments to be made as goals evolve. But starting early also means building the right foundation: a diversified portfolio that aligns with clear objectives.

For younger Canadians, retirement planning is about establishing a framework that adapts as careers develop, families grow, and priorities change. Regular monitoring, contribution strategies, and the flexibility to adjust along the way can help ensure that early action translates to long-term results.

If you're in the early stages of your career and thinking about retirement planning, this may be a good time to establish a strategy built for the long term. The decisions you make now set the trajectory for the decades ahead.

Ready to start the conversation? Reach out to discuss how we can build a retirement strategy tailored to your goals.

Edward Jones Canada survey finds RRSP contribution intentions remain steady, despite feelings of confusion and uncertainty

09/02/2026

What is driving the Bank of Canada Rate?

09/01/2026

Old Age Security (OAS) doesn't exist in isolation. It interacts with all your other retirement income sources, and understanding these interactions helps you make smarter decisions about your overall retirement strategy.

Here's what to know: OAS benefits may be reduced if your income exceeds certain thresholds. This is called the OAS recovery tax or clawback. For every dollar you earn above the threshold, you lose 15 cents of your OAS benefit.

This means the way you manage your pension income, RRSP/RRIF withdrawals, investment income, and even part-time work can all affect how much OAS you actually keep. Some retirees are surprised to discover that a larger RRIF withdrawal or investment gain pushes them into clawback territory.

Planning your withdrawals, pensions, and savings together helps optimize your retirement income mix. When you coordinate all your income sources strategically, you can often keep more of what you've earned.

If you want to understand how your OAS will work alongside your other retirement income, let's have a conversation. I can help you see the full picture and make decisions that work together.

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

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.

08/27/2026

Keeping up with the markets takes time, research, and ongoing attention.

Most mutual funds give you access to professional investment expertise. Experienced portfolio managers actively manage the fund by researching opportunities, adjusting the portfolio as markets change, and making investment decisions on your behalf.

You also have the confidence of knowing exactly what you own, with fund holdings available through regular reporting and the fund's prospectus.

Ready to put professional management to work for your long-term goals? Call me to set up an appointment and let's get started.

08/25/2026

Education costs continue to rise, which makes having a dedicated strategy more important than ever.

Registered Education Savings Plan (RESP) can help you save toward education costs by combining tax‑deferred growth with valuable government incentives. Contributions come out tax‑free, and investment earnings are typically taxed at the student’s rate when withdrawn.

With grants like the Canada Education Savings Grant (CESG) adding to your savings, an RESP can be a valuable component of your plan.

Reach out to book a meeting, I can help you structure an RESP strategy that supports your long‑term goals.

A tax-deferred savings account designed to help you save for qualified post-secondary education.