Edward Jones - Financial Advisor Nathan Osterhout

Edward Jones - Financial Advisor Nathan Osterhout Financial Advisor & Regional Leader at Edward Jones | Guiding clients to build, protect, and enjoy their wealth with confidence

09/03/2026

People often ask how I help families feel comfortable making big financial decisions.

The answer isn't one strategy or one piece of advice. It's taking the time to understand who they are and what they're trying to accomplish.

After 23 years of working with families, I've learned that every situation is different. My job isn't to make things more complicated. It's to take complex decisions, explain them in plain language, and help people move forward with confidence.

I've always believed that if you can make someone's life a little easier, you've done something worthwhile. That's what continues to motivate me every day, and it's the approach I bring to every conversation.

09/02/2026

A major inheritance or unexpected financial windfall can change your circumstances overnight. That doesn't mean every financial decision has to happen overnight too.

Start with what matters most:

• Take care of any immediate tax obligations.

• Update your legal documents if needed.

• Build a trusted team that explains things clearly.

• Give yourself time before making long-term decisions.

The best financial plans aren't built in a rush. They develop as you gain clarity and understand your options.

If you're navigating a major financial transition, taking a measured approach can make all the difference.

How does a family cottage become a family lawsuit? It usually starts with one assumption: "The kids will figure it out."...
08/31/2026

How does a family cottage become a family lawsuit? It usually starts with one assumption: "The kids will figure it out."

In my experience, they rarely do.

One child wants to keep the cottage. Another lives across the country. A third would rather receive their inheritance in cash.

The solution is surprisingly straightforward:

• Decide who wants the property.

• Create a plan that treats everyone fairly.

• Put it in writing while you can still explain your reasoning.

Sometimes that means setting aside other assets. Sometimes insurance can help equalize the estate. The strategy depends on your family.

The goal is always the same: preserve the relationships, not just the property.

If you just inherited significant wealth — the most important thing you can do right now is slow down.The most common mi...
08/28/2026

If you just inherited significant wealth — the most important thing you can do right now is slow down.

The most common mistake people make is acting too fast — locking into decisions before they have the full picture. I've seen it play out too many times. Here's what not to do in those first 90 days.

Don't pay off all your debt immediately. Depending on your situation, that debt may have been convertible into a tax deduction. Once it's gone, so is the opportunity.

Don't give large sums to your kids right away. That capital may be exactly what's needed to achieve your own long-term goals properly. Once it's out of your hands, you can't course-correct.

Don't rush into long-term planning. In the first three months you don't yet know what you want. I've watched people lock into something that sounded great in the moment and regret it significantly later.

What you need in those first 90 days is someone who keeps the language plain and tells you clearly what can wait.

08/27/2026

Insurance is often viewed as income protection. It can also be one of the most effective estate planning tools available.

When structured properly, insurance can:

• Create liquidity to cover taxes or other estate costs.

• Help equalize inheritances between beneficiaries.

• Reduce the need to sell assets or a family business.

• Prevent unnecessary conflict between family members.

The challenge is that insurance becomes more difficult and expensive to obtain as health changes. That's why it's worth exploring long before it's needed.

The best estate plans don't just focus on passing on wealth. They help preserve family relationships too.

If insurance is part of your planning conversation, have it sooner rather than later. Reach out if you'd like to explore whether it's the right fit for your situation.

08/26/2026

One of the biggest risks in a business transition or estate transfer isn't always the tax bill. It's being unprepared for it.

A little planning today can prevent costly surprises later.

Here are a few areas worth reviewing:

• Understand the tax implications before a business sale or wealth transfer.

• Identify hidden tax liabilities that could reduce the value of an estate.

• Have a clear succession plan if family members are taking over a business.

• Make sure there's enough liquidity to cover taxes without forcing the sale of assets.

Many people assume they know what the tax consequences will be. The only way to know is to run the numbers and build a plan around them.

If you're thinking about a business exit or passing wealth to the next generation, now is the time to start the conversation.

08/25/2026

Blended families often bring more people, more assets, and more decisions into an estate plan.

By the time a second marriage happens, there may be children from previous relationships, a business, investment properties, or assets that each person has built independently. Every family is different, so every plan should reflect the goals and values of the people involved.

The families who navigate this well take the time to discuss expectations before assumptions turn into problems. They decide what they want to accomplish, work with experienced professionals, and put a plan in place that protects the people they care about.

Estate planning is about creating clarity. When everyone understands the plan and the reasons behind it, there is far less room for confusion or conflict later.

If your family situation has changed through remarriage or blending households, it may be time to revisit your estate plan. Reach out if you'd like to have that conversation.

Many people have never lived through a true market correction.What happened in 2022 was not the same as what happened in...
08/24/2026

Many people have never lived through a true market correction.

What happened in 2022 was not the same as what happened in 2008.

2008 was watching hundreds of thousands of jobs eviscerated in hours. Entire organizations, gone. Friends, colleagues, family members let go with no warning.

2022 was uncomfortable. 2008 was earth-shattering. There's a difference, and that difference matters enormously right now.

The S&P 500's Shiller CAPE ratio currently sits at 41 — the second most expensive the market has been in 155 years of data. The market feels safe because it's been largely rewarding for so long.

Here's what really concerns me. An entire generation of wealth builders has never experienced a true correction. And many of them are working with advisors who haven't either. Until you've actually tasted it, it's very hard to understand it.

The longer this goes on without a real correction, the more decisions are being made from a place of false confidence.

Is your plan built by someone who has actually been through it?

📩 That's a question worth asking sooner rather than later.

https://investsnips.com/sp500-pe-ratio/

08/22/2026

A family property can hold decades of memories. It can also become one of the biggest sources of conflict if there's no clear plan for what happens next.

Many families assume everyone will want to keep the cottage, cabin, or lake house. In reality, every child may have a different vision for their future. Some want to keep it. Others would rather have their share in another form. Neither choice is wrong, but failing to plan for those differences can create lasting tension.

The strongest estate plans account for more than the value of the property. They account for the people inheriting it. That may mean setting aside assets to equalize an inheritance or exploring other strategies that help keep things fair.

The most important step comes before any legal document is signed. Have the conversation while you still have the opportunity. Clear expectations today can prevent difficult decisions tomorrow.

If your family has a legacy property, have you talked about what happens to it one day? Reach out if you'd like to discuss your family's options.

The next generation of wealth holders isn't going to tolerate a bad advisor.Over $1 trillion is transferring to the next...
08/21/2026

The next generation of wealth holders isn't going to tolerate a bad advisor.

Over $1 trillion is transferring to the next generation of Canadians and the people inheriting it grew up with instant access to information. They've watched YouTube videos on investing. They've read the threads. They've done more research than most people realize.

They are not walking in blind.

What they can't get from a YouTube video is someone who knows how to hold their hand at the exact moment that they need it and give them guidance through complex situations with made-for-their-unique-lifestyle.

That's what they're looking for. Not a product pitch, or a quarterly statement, or a clinical conversation about risk tolerance.

The great wealth transfer is already happening. I see it every week. The question isn't whether it's coming. It's whether you're working with someone who is actually ready to meet you where you are.

Are you?

📩 If you want that kind of relationship with your advisor, let's talk.

CFA Institute — Next-Gen Investors Report (March 2026): https://rpc.cfainstitute.org/research/reports/2026/next-gen-investors

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Edmonton, AB
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