Darcy Feth - IG Wealth Management

10/16/2026

Have you heard of income splitting? Its a handy tax strategy for couples, allowing you to reduce your combined tax bill by sharing income more equally and tapping into lower tax brackets.
This isnt just for retirees—working couples can benefit too! Were diving into four practical strategies that could help you keep more of your hard-earned money. From simple pension splits to more involved loan arrangements, theres a variety of options worth exploring.
Curious to see if your retirement plan makes the most of these strategies? Reach out, and lets ensure your financial future is as bright (and tax-efficient) as possible! 📈 Curious to learn more about these strategies? Check out the detailed guide here: [LINK]​

10/15/2026

Congratulations on hitting your retirement savings target! Thats a huge accomplishment. 🎉 But as you stand at this significant milestone, you might find yourself wondering... whats next?
Reaching your financial goal is fantastic, but its just the beginning of another exciting chapter. Nows the time to look deeper and think about what makes you feel fulfilled. What will your legacy be? How do you redefine purpose after retirement?
Its not just about having enough; its about making it meaningful. Lets discuss how we can transform this achievement into an opportunity for personal growth and joy. What are your plans for this new phase in life?​

10/15/2026

Have you considered the possibility of your will being contested? A contested will can create unexpected hurdles for your family, making what should be a straightforward process much more complex.
To keep your wishes solid and undisputed, consider:
- Regularly updating your will to reflect new life situations.
- Clearly stating your wishes to avoid any ambiguity.
- Including a no-contest clause.
- Exploring estate planning tools like trusts, which are more robust against challenges.
Worried about the security of your estate plans? Drop a comment or reach out to discuss effective strategies that protect your legacy beyond just a will. Lets make sure your plans stand strong for the future.​

10/15/2026

Retirement isn’t just about a number. It’s about what you want the next chapter to look like.

That’s one of the reasons I enjoy sharing Maturity Matters. It looks beyond just dollars and cents and touches on some of the broader issues and opportunities that come with getting older and enjoying retirement.

If you’re retired, getting close, or helping your parents navigate this stage of life, it’s worth a read.

👉 https://members.agefriendlybusinessacademy.com/newsletter/10-26-maturity-matters-newsletter/?fullname=Darcy%20%20Feth%20BCom,%20CFP,%20RRC,%20CPCA&jobtitle=Financial%20Consultant%20-%20Investors%20Group%20Financial%20Services%20Inc.&company=&phone=(250%20762-3329)

10/14/2026

Hi everyone,

I wanted to share IG’s 2026 Third Quarter Market Review, as I think there are some genuinely encouraging takeaways for long-term investors.

Equity markets continued to show resilience through the third quarter. Corporate earnings and business investment remained supportive, helping markets absorb the pressure from higher interest rates. In Canada, the S&P/TSX Composite advanced 1.1% during the quarter, while the S&P 500 gained 2% in U.S. dollar terms.

Fixed income had a more difficult quarter. Rising bond yields put pressure on existing bond prices, particularly longer-term bonds, and the FTSE Canada Universe Bond Index declined 3% during the quarter. While that can be frustrating in the short term, there is another side to the story: higher yields mean bonds are now offering greater return potential going forward.

For me, the important message is to separate the short term from the long term. Markets will always go through periods where interest rates, inflation, geopolitics and other headlines create volatility. For money invested with a longer-term horizon, particularly beyond three years, the combination of resilient corporate earnings and more attractive bond yields gives us good reasons to remain constructive and disciplined.

As always, the right investment mix depends on your individual financial plan, time horizon and comfort with market fluctuations. If you have questions about how any of this relates to your own portfolio, please feel free to reach out.

You can read the full 2026 Third Quarter Market Review here or watch the 5 minute video:
https://www.igprivatewealth.com/en/insights-and-ideas/2026-third-quarter-market-review

All the best,
Darcy

The second quarter of 2026 (and the first half of the year more broadly) offered investors a reminder that markets are often driven by fundamentals rather than headlines. Geopolitical tensions, volatile energy prices and shifting interest-rate expectations dominated the news cycle, yet global equiti...

10/12/2026

Thinking about letting AI manage your finances? You might want to think again! A new study reveals that most AI-driven chatbots tend to get financial questions wrong. This isnt just about small errors, but mistakes that could impact your financial planning significantly.
AI can be helpful, but when it comes to important financial decisions, nothing beats personalized advice from experts. Have you ever relied on AI for financial guidance and been surprised by the advice? Share your story below!
Lets talk about the true cost of automated financial advice and how we can navigate this tech-driven world without compromising our financial health.​

10/12/2026

What is income splitting in Canada? And how can it reduce your tax?

There are ways for both working and retired couples to take advantage of income tax splitting. We look at four strategies for reducing couples' tax bills.

https://www.ig.ca/en/insights/what-is-income-tax-splitting?cid=0:eml:w-newsltr:wwb:0:0:20261008:0:ma&sfmc_id=0030A000005JhyDQAS

If you would like to know if your retirement plan is tax-efficient, reach out. I'm happy to provide a complimentary review.

There are ways for both working and retired couples to take advantage of income tax splitting. We look at four strategies for reducing couples’ tax bills.

09/30/2026

Day one in Porto. I share this because I love to travel. How much do you want to travel?

09/30/2026

The New Retirement Reality - it's no secret that retirement looks different today than it did just a few years ago.

We’re living longer, healthier lives and as a result, we’re redefining what it means to “retire”.

With the new retirement reality, there’s an emphasis on staying active and engaged in life, rather than simply retiring to the sidelines.

Retirement now means taking advantage of the time we have to pursue passions, explore interests and create meaningful experiences.

Whether that means traveling the world, launching a second career or volunteering in the community - retirement no longer needs to be seen as an ending. Instead, it can be seen as a new beginning with exciting possibilities awaiting us all.​

09/29/2026

Is Setting Up a Trust Worth the Cost? Here’s What You Need to Know

A trust is one of the most effective tools for estate planning, offering control, privacy, and tax advantages. But how much does it cost, and is it the right move for you? Understanding the costs and benefits of a trust can help you secure your assets and protect your loved ones.

➡ Key Cost Factors:

👉 Setup Fees: The cost to establish a trust ranges from $1,500 to $5,000 or more, depending on the complexity and whether you hire an estate planning attorney.

👉 Maintenance Costs: Annual trustee fees or administrative costs, especially for irrevocable trusts, can vary widely.

👉 DIY Options: Online platforms can help you set up a basic trust for as little as a few hundred dollars, but they may lack the customization or legal guidance provided by professionals.

👉 Type of Trust: The cost depends on the type—revocable trusts tend to cost less than irrevocable or specialized trusts.

➡ Why It Matters:

While setting up a trust may seem costly upfront, it can save significant time, money, and hassle for your beneficiaries. A trust allows you to avoid probate, minimize estate taxes, and maintain control over how your assets are distributed. For families with significant assets, businesses, or special circumstances, the benefits often far outweigh the initial expense.

➡ Final Thought:

The cost of creating a trust is an investment in your family’s future. Whether you’re looking to protect your wealth, simplify the inheritance process, or support a loved one with special needs, a trust offers flexibility and peace of mind. Consult with an estate planning attorney to determine the best approach for your needs.​
If you want to learn more about this contact me at :​
[email protected]​