Dennis McDonald, FMA, CIM Edward Jones Investments

06/14/2026

Many couples don’t talk about money until they have to. A cohabitation agreement can help you answer the uncomfortable questions early:

Who pays for what? Who owns what? What happens if things change?

It’s like a pre-nup, but for common-law couples. It can help you define expectations, avoid misunderstandings, and make decisions more easily.

If you’re navigating these conversations or want guidance on how financial planning fits into your relationship, reach out. I’m happy to talk through your options and help you feel more confident moving forward.

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.

06/13/2026

Bringing up a cohabitation agreement doesn't have to feel awkward or transactional. The conversation works best when you start with your shared goals rather than diving straight into the legal details.

Begin by talking about what you both want to achieve.

• Are you saving for a home?
• Paying down debt?
• Planning for a family?

Once you're aligned on the big picture, the practical details become easier to discuss.

From there, get specific. List what each of you owns and owes. Agree on how you'll handle joint purchases and split ongoing expenses. Decide whether you'll keep finances separate, fully joint, or some combination. And plan to revisit this conversation regularly as your circumstances change.

Because a cohabitation agreement is legally binding, it's important to work with a lawyer or legal professional to formalize it. But having clarity on your financial values first makes that process much smoother.

If you're ready to have these conversations and want help connecting your day-to-day financial decisions to your long-term plans, let's talk.

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.

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.

06/13/2026

Self‑employed? Your tax filing deadline is coming up soon. ⏰

You have until June 15, 2026, to file your 2025 return, but keep in mind that any balance owing was due April 30, 2026.

If you still have taxes owing, it may help to take care of it as soon as possible to limit interest and penalties.

This deadline applies to you, and to your spouse or common‑law partner, if either of you is self‑employed.

06/12/2026

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?

06/11/2026

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)

06/10/2026

Old Age Security, or OAS, is an important part of retirement income for many Canadians, but how and when you receive it can vary.

Your eligibility is based on residency, not work history. Payment amounts can change over time and may be affected by when you start and how OAS fits with your other income sources.

Understanding these details can help you make more informed retirement decisions.

06/09/2026

Trying to predict the perfect moment to invest is tempting. But here's what history tells us: the best market days often show up during the most uncertain times, exactly when many investors are sitting on the sidelines.

Missing even a small number of strong market days over several decades can create a meaningful gap in long-term results. The challenge is that no one can consistently predict which days those will be.

This is why staying invested matters. A long-term approach allows you to participate in market growth over time, rather than risking being out of the market when opportunities emerge.

If you're unsure about staying invested or want to understand what approach fits your timeline, reach out. We can walk through it together.

When considering where to invest your hard-earned money, it's natural to wonder: should I wait for conditions to settle before investing?

06/08/2026

Market headlines can be overwhelming. One day it's good news, the next day it's concerning. When you're trying to make sound financial decisions, all that noise can make it hard to know what's right for you.

This is where personalized guidance can make a difference. Your goals, your timeline, and your comfort level with risk are unique to you. A strategy built around your specific situation helps you tune out the daily market chatter and stay focused on what you're working toward.

Working together, we can create a plan that reflects your priorities and helps give you confidence, no matter what's happening in the markets.

Let's build a strategy that's designed for you.

When considering where to invest your hard-earned money, it's natural to wonder: should I wait for conditions to settle before investing?

06/07/2026

When markets feel uncertain, it's natural to want to wait until things calm down before investing. The challenge is that the "right time" rarely feels obvious in the moment, and waiting comes with its own risks.

Think about it this way: someone who waits three years to begin investing gives up three years of potential compound growth. Over a 30-year timeframe, those early years can make a real difference. Time is one of the most valuable tools in long-term investing, and you can't get it back once it's gone.

This doesn't mean you should ignore your personal circumstances. Your financial situation, goals, and comfort level all matter. But if you're waiting for perfect market conditions, you might be waiting a long time.

If you've been putting off investment decisions because conditions don't feel right, let's talk about what's holding you back and what might make sense for your situation.