Tactical Wealth Advisory

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A lot of what drives outcomes is below the surface.For example, in 2022, when the S&P 500 fell more than 18 percent, two...
04/30/2026

A lot of what drives outcomes is below the surface.

For example, in 2022, when the S&P 500 fell more than 18 percent, two-thirds of mutual funds still made capital gains distributions, according to a 2025 Fidelity report.

That is not a headline most investors expect, and it is a reminder that taxable distributions from mutual funds do not always reflect market performance.

What’s really going on:
A mutual fund can distribute taxable capital gains when the manager sells underlying holdings at a profit, even if you don’t sell any shares of the fund.

It can happen in a down year; gains on individual holdings can occur while the overall fund value declines.

Buying a mutual fund late in the year can still leave you responsible for distributions tied to that full calendar year.

Fidelity cites a Morningstar study showing taxes may reduce portfolio returns by up to 2 percent annually on average when not accounted for.

There are ways to manage surprise distributions, including tax-smart account placement, tax-managed funds, and evaluating ETFs, where appropriate.

Remember, mutual funds and ETFs are sold only by prospectus. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.

This is not about avoiding mutual funds. It is about the benefits of working with a financial professional who can show you what mutual funds pay capital gains and what funds are designed to manage payouts. Your tax, legal and accounting professionals can show you how a capital gain will affect your tax situation.

👨‍💼👩‍💼 Take Your Child to Work Day brings out the best kind of energy in an office.Kids get to see where we grown-ups di...
04/23/2026

👨‍💼👩‍💼 Take Your Child to Work Day brings out the best kind of energy in an office.

Kids get to see where we grown-ups disappear all day, meet the people we talk about, and connect work to real life.

Those little moments stick—the walk around the office, the “what do you do” questions, the first time a kid feels included in something that matters to a parent.

Many of us have done this over the years, and it creates memories that last longer than anyone expects. It also gives kids a window into what good work looks like, showing up, being kind, solving problems, and taking care of people.

Hope a few future leaders are in the office today! 🏢

Would love to see photos in the comments!

💼 If the office had a control tower, it would not be in a corner office.Administrative Professionals Day is for the peop...
04/22/2026

💼 If the office had a control tower, it would not be in a corner office.

Administrative Professionals Day is for the people who keep the runway clear, the calendar sane, and the details tight.

In most firms, that role is bigger than a title.

It’s the person who anticipates what is needed before anyone asks.

It’s the person who protects focus, keeps everything on track, and makes sure our clients feel taken care of.

It’s the person who wears five hats and still brings calm to the day.

Grateful for the administrative professionals and the behind-the-scenes leaders who make the work better. 💼

April is National Stress Awareness Month, and caring for aging parents is one of the biggest stressors many families fac...
04/16/2026

April is National Stress Awareness Month, and caring for aging parents is one of the biggest stressors many families face.

In our experience, stress drops when the basics are handled before there is urgency.

Here are 5 things to consider:

➡️ Financial power of attorney, so someone can act if needed

➡️ Healthcare proxy, so medical decisions are clear and legally supported

➡️ Account access, so a trusted contact can see what is happening without scrambling

➡️ Bill pay strategy, so nothing becomes a late fee problem on top of everything else

➡️ A shared “where things live” file, documents, logins, contacts, including key professionals

These are not fun conversations, but they are often a gift to future selves and to siblings who may need to step in.

When preparations have been made, families can give more time and attention to what actually matters.

🐕 🐶 🐈 Whether you have a dog who loses their mind every time you walk in the door or a cat who barely acknowledges your ...
04/11/2026

🐕 🐶 🐈 Whether you have a dog who loses their mind every time you walk in the door or a cat who barely acknowledges your existence, you know how much pets mean to the people who have them.

They show up in our work more than you'd think.

Not just in estate preparation or budgeting for care, but in bigger conversations about what retirement looks like or what happens when circumstances change, and a pet's care becomes part of the equation.

For a lot of people, their pets are family, and preparation that ignores them misses the point.

Happy National Pet Day!! 🐕 🐶 🐈

National Siblings Day is different for adults.Growing up, it was about who was the favorite, who touched whose stuff, an...
04/10/2026

National Siblings Day is different for adults.

Growing up, it was about who was the favorite, who touched whose stuff, and who told mom.

Later, it can be about much bigger things, like helping a parent, dividing responsibilities, making decisions under stress, and eventually navigating estate details with fairness and clarity.

In our world, the smoothest family outcomes usually come from conversations that start early: who is doing what, where information lives, what “equal” really means, and what happens if someone has to step in quickly.

Grateful for siblings, the shared history, and the kind of support that shows up when it matters most.

Wishing a blessed Easter to everyone celebrating.Hope the day brings peace, renewal, and a reminder of what matters most...
04/05/2026

Wishing a blessed Easter to everyone celebrating.

Hope the day brings peace, renewal, and a reminder of what matters most.

💡 Get this—investors working with a financial professional are about half as likely to report high financial stress (Sou...
04/04/2026

💡 Get this—investors working with a financial professional are about half as likely to report high financial stress (Source: Vanguard 2025). That gap makes sense.

April is National Stress Awareness Month, and the American Psychological Association has repeatedly found that money is a source of stress for many Americans. 😟

Do any of these questions worry you?

❓ Do I have enough for the retirement I’ve imagined?
❓ Do we have enough to support parents or other family members in need?
❓ What if the markets get choppy?

Clarity does not eliminate uncertainty, but it can help manage the mental load.

CFP® Board research from 2025 also points in the same direction; 49 percent of CFP® clients reported less financial anxiety through an advised relationship.

A good strategy does not promise outcomes. It replaces worry with decisions and decisions with a process that holds up when life changes.

What a $5 coffee can teach your teen about building wealth Here’s a number worth sharing at the dinner table.If your tee...
04/03/2026

What a $5 coffee can teach your teen about building wealth

Here’s a number worth sharing at the dinner table.
If your teen opens a TFSA at 18 with $1,000 from a part-time job and adds $1,000 a year, that
single account could grow to nearly $400,000–$500,000 by retirement. Tax-free.

Think they can’t save $1,000 a year? Skipping the daily coffee more than covers it. ☕

But the best financial education isn’t about the math.

It’s about real decisions with real consequences.

A few things that actually work:

✅ Give them cash instead of a card for discretionary spending. Let them keep what they don’t spend.
✅ Set a yearly clothing budget. If it’s gone by October, that’s the lesson.
✅ Have the post-secondary cost conversation early—before they fall in love with a school.
✅ Use a TFSA to teach how different accounts work: contributions are flexible, growth is tax-free, and withdrawals can be re-contributed in future years.

The habits matter more than the numbers.
What’s one money lesson you wish someone had taught you earlier?



Please consult with a tax and financial professional before making any decisions.

April Fools’ Day is for harmless pranks or little “gotchas.”Your finances are where small surprises can get expensive.So...
04/01/2026

April Fools’ Day is for harmless pranks or little “gotchas.”

Your finances are where small surprises can get expensive.

Some of the most common ones are:
👉 An old beneficiary form
👉 An account title that no longer matches your estate structure
👉 A cash buffer that is too thin
👉 Assumptions that have not been updated since life changed

The fix is rarely dramatic.

It is a quick review, a few updates, and a strategy that aligns with the goals and life you’re living now.

Address

544 Hugel Avenue
Midland, ON
L4R1V9

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

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