Edward Jones-Financial Advisor: James Shellborn, CFP, CIM, CEPA

05/28/2026

One of the most common questions about Old Age Security (OAS) is when to start taking it. The standard age is 65, but you can delay until age 70. Each choice affects how much you receive.

Starting at 65 means you begin receiving income earlier. But if you delay, your monthly payments increase by 0.6% for each month you wait, up to a maximum 36% increase at age 70.

So which option is right for you? It depends on several factors unique to your situation. Your current tax rate matters. If you're still working or have other significant income, delaying might make sense. Your total income matters too, because OAS is subject to a clawback if your income exceeds certain thresholds.

If you're approaching 65 and wondering when to start your OAS, reach out. I can help you evaluate your options based on your personal circumstances.

You asked – we answered! Here are the top 10 questions about Old Age Security (OAS)

05/21/2026

A balanced family budget isn't about deprivation or cutting everything you enjoy. It's about creating a realistic plan that supports your goals and fits your life.

Start with clear, achievable goals. Build in flexibility for unexpected expenses, because life rarely goes exactly as planned. Review your budget regularly and adjust as your circumstances change. The families who succeed with budgeting are the ones who stay consistent, not perfect.

And remember, you don't have to figure this out alone. Working with an advisor means having someone who can help you review your current situation, refine your goals, and create a strategy that can help keep you on track.

If you're ready to create a budget that works for your family's goals, reach out. I'm here to help.

05/18/2026

Edward Jones proudly established a Canadian headquarters in Mississauga in 1994. On behalf of our thousands of associates, happy 181st Victoria Day!

Whether you're firing up the grill, opening the cottage, or simply enjoying a well-deserved break, here's to celebrating community, connection, and the season ahead.

Wishing you a safe and wonderful long weekend!

05/14/2026

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.

05/13/2026

Financial planning starts with goals, constraints, and trade-offs—not products. A portfolio is a tool to execute the plan, not the plan itself. If they can’t explain the specific goal an investment strategy is solving for, it isn’t advice—it’s a pitch.

05/09/2026

While geopolitics continue to dominate headlines, markets have increasingly refocused on underlying economic and earnings fundamentals, pushing U.S. equities to new record highs.

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

05/02/2026

Earnings are in the driver’s seat. Strong and accelerating corporate profits are offsetting headwinds from higher energy prices, inflation pressures, and central bank uncertainty.

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

04/25/2026

Despite these lingering concerns, markets have rallied as investors increasingly price out downside risks from the conflict and refocus on still healthy fundamentals around growth and corporate earnings.

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

04/24/2026

I wanted to share an article featuring Julie Petrera, Director of Financial Planning at Edward Jones Canada, on the topic of Canadians struggling with retirement despite continuing to save.

People are saving, but they're uncertain about whether they're on the right track. This is where I can help.

I can work with you to develop an RRSP or retirement plan that prioritizes what matters most to you and adapts as your life changes.

If you’d like to talk through what this could look like for you, I’d be happy to connect.

Survey finds most adults contribute to RRSPs despite confusion over tax benefits, withdrawals and long-term strategy

04/18/2026

Markets have rapidly priced out worst‑case risks, with easing oil pressures, stabilizing rates, and resilient earnings helping drive one of the fastest rebounds to new highs on record for the S&P 500.

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