Edward Jones- Financial Advisor - Michael J. O'Brien

06/23/2026

Getting married or becoming common law does not require having everything figured out right away but it's important to be thoughtful about how you start working together financially.

Early conversations about spending styles, saving priorities, and long-term goals can help set expectations and build trust. It is less about agreeing on every detail, and more about understanding how decisions will be made as a couple.

Financial planning can help create shared structure, so each person feels heard and informed as life evolves. Starting with alignment can make future choices feel less stressful and more collaborative.

👉 Reach out and I can help you start these conversations and build a plan that reflects both partners.

It's important to discuss your finances and long-term goals with your significant other.

06/21/2026

Happy Father's Day!

06/20/2026

Summer has a way of creating a little breathing room.
For many people, it's one of the few times of the year when life slows down enough to step back and look at the bigger picture.
If you've experienced a job change, received an inheritance, sold a business, are thinking about retirement, or simply haven't reviewed your finances in a while, this can be a great time to revisit your plan.
One area that often gets overlooked is your Total Cost of Ownership. It's easy to focus on individual products or accounts, but understanding the full picture—including fees, taxes, debt costs, and how everything works together—can make a meaningful difference in your financial life.
A financial plan isn't just about numbers. It's about helping you understand your options and make informed decisions that support what matters most to you.
Sometimes all it takes is a conversation to get started.

06/20/2026

The Fed held the fed funds target range steady at 3.5%-3.75% and removed the previously projected 2026 rate cut from the dot plot, as expected.

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

06/16/2026

Many investors with multiple accounts, like an RRSP, TFSA, and non-registered account, may be leaving money on the table without realizing it.

That’s because most people focus only on asset allocation, what they own, and miss an important opportunity around asset location, where those investments are held.

It’s not just what you invest in. It’s where your investments live.

Different investments are taxed in different ways. Interest income from things like bonds and GICs is fully taxable, while stocks may generate capital gains and dividends that receive more favourable tax treatment. Asset location is about matching those investments to the right account types to maximize your after-tax return.

For example, more tax efficient investments may make sense in non-registered accounts, while investments that generate taxable interest are often better suited to registered or tax-sheltered accounts like an RRSP or TFSA.

Book a call with me and I can look at how your accounts, investments, and tax considerations work together. I also coordinate with your tax professional to help ensure these decisions support your broader financial strategy.

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.

06/12/2026

SpaceX opens for trading today. Are you excited? Are you ignoring it? Does it stir up any old feelings? What are your thoughts? Love to hear them all...

06/11/2026

Dreaming of a home in the U.S. for winter escapes? You’re not alone.

But when planning a property purchase south of the border, it’s critical to understand the potential tax implications:

• U.S. estate tax may apply over $60K USD
• Foreign property over $100K CAD? Reporting may be required in Canada
• Rental income may face a 30% withholding tax (or require U.S. filings)
• Selling? Up to 15% may be withheld on the proceeds
• Too much time in the U.S. could make you a tax resident

You can enjoy your winters in the sun, but knowing your tax obligations upfront can help you avoid costly surprises.

Before signing a purchase agreement, speak with a cross-border tax professional to understand how it fits into your overall financial plan.

Edward Jones, its employees and financial advisors do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your personal situation. This content is for informational purposes only.

06/09/2026

I'm deeply grateful to share that Edward Jones has been recognized as the No.1 Wealth Management Firm for Advised Investor Satisfaction in the JD Power 2026 Canada Investor Satisfaction Study, our 10th award in 14 years! 🏆

What makes this recognition especially meaningful? It came directly from our clients. They rated us highest in:

• Trust
• People
• Products meeting their needs
• Ease of doing business

This demonstrates what I've always believed: When you truly understand what your clients are trying to achieve — their goals, their concerns, their dreams for their family — everything else falls into place.

To my clients: Thank you for your trust. This recognition belongs to you and reflects the relationship we've built together.

If you've been considering personalized financial guidance, let's talk about your future. I'd welcome the opportunity to show you the difference this approach can make.

For JD Power 2026 award information, visit jdpower.com/awards

06/09/2026

As excitement rises for the SPCX IPO this is a great reminder. What do you think?

IPO excitement is real — but buzz doesn't always translate to returns. Before you invest, learn why fundamentals, profitability, and your risk tolerance matter more than brand recognition.