Edward Jones - Financial Advisor: Laura Callaghan

09/03/2026

A cohabitation agreement is a smart first step, but it's really just the beginning of your financial journey together. The conversations you have while creating the agreement often reveal bigger opportunities for financial planning.

When you take time to discuss finances honestly and set clear expectations, you're not just protecting yourself legally. You're building a stronger foundation for your relationship.

This is where working with a financial advisor can help. We can show you how the agreements you make today connect to the goals you have for the next 5, 10, or 20 years. Whether that's building wealth, planning for a family, saving for retirement, or buying a home together, your financial strategy should evolve as your relationship does.

Financial planning isn't just about managing what you have. It's about creating room for what you want to build together.

If you're starting a life together and want guidance on building a financial plan that supports your shared future, reach out. I'm here to help you see the bigger picture.

Edward Jones financial advisors are not lawyers and cannot provide legal advice. A cohabitation agreement is a legally binding document that should be created with the assistance of a qualified lawyer or legal professional. We can help you understand how your financial decisions today connect to your long-term goals and work alongside your legal advisor to support your overall financial strategy.

Do you need a cohabitation agreement? And if so, what should it include? Before we answer those questions, let's first ask, what is a cohabitation agreement?

09/01/2026

RRSPs are available to U.S. citizens residing in Canada, but the tax treatment differs by country.

Under the Canada-U.S. tax treaty, RRSP growth remains tax-deferred in both countries. However, contributions reduce Canadian taxable income but aren't deductible for U.S. tax purposes.

This split treatment requires careful tracking and coordinated planning to maximize benefits without creating reporting complications.

I can work alongside your qualified tax or legal professional to help you integrate RRSPs into cross-border retirement strategies that account for both tax systems.
Let's discuss whether an RRSP fits your situation.

Edward Jones, its employees and Edward Jones advisors are not estate planners and cannot provide tax or legal advice.

Living in Canada as a U.S. citizen or Green Card holder? Discover the tax challenges you need to know when dealing with two tax systems.

08/31/2026

U.S. citizen living in Canada? If you’re considering opening a Tax-Free Savings Account, keep in mind: it may not be tax-free for you.

While TFSAs offer tax-free growth for Canadian residents, U.S. tax law does not recognize them as tax-advantaged accounts. Earnings may be taxable on your U.S. return, and depending on structure, some TFSAs can be classified as foreign trusts, triggering complex annual reporting requirements and potential penalties for non-compliance.

What appears straightforward in Canada becomes complicated when cross-border tax rules apply. Account selection decisions require understanding both jurisdictions' treatment before opening.

I work alongside your qualified tax or legal professional to help you evaluate savings account options that work within both tax systems.

Edward Jones, its employees and Edward Jones advisors are not estate planners and cannot provide tax or legal advice.

Living in Canada as a U.S. citizen or Green Card holder? Discover the tax challenges you need to know when dealing with two tax systems.

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

Our colleague Julie Petrera, Director of Financial Planning at Edward Jones Canada, recently spoke with The Canadian Press about the RESP withdrawal mistakes families make as the school year approaches.

Why does this matter to us? Because RESPs are one of the most important tools Canadian families use to invest in their children's education, and the decisions around withdrawals can have a real impact on taxes, growth, and whether the money is there when it's needed.

We share our insights with credible media because we want to meet families where they are — with topical, practical guidance they can trust. Articles like this one help us extend our reach beyond our offices and into the homes of families across Canada who are navigating these moments for the first time.

Have a look, and if you're working through an RESP withdrawal, let's talk.

As the school year approaches, families across the country are getting ready to tap into their registered education savings plans.

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

One of the most helpful exercises families can do when budgeting is distinguishing between needs and wants. Your mortgage or rent, groceries, utilities, and transportation costs are essential. They keep your household running.

But wants aren't bad. Dining out, travel, and gifts for family and friends add meaning to life. The key is setting boundaries around them so they don't pull you off course from what's most important to you.

When you prioritize together as a family, you build healthier financial habits. Small adjustments in your discretionary spending can create meaningful savings over time without feeling like deprivation.

If you're looking to align your family's spending with your values and goals, let's talk. We can help you create a budget that reflects what matters most.

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

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.

08/24/2026

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.