Mary Hagerman

Mary Hagerman Mary Hagerman, Senior Portfolio Manager, The Mary Hagerman Group of Raymond James Ltd.

Mary is an award-winning portfolio manager with 30 + years of experience. Mary understands the emotional toll money can take on peopleโ€™s lives; that is why she has dedicated her professional life to helping alleviate money anxiety. She is also the author of the book The Black Belt Investor: A Martial Arts Guide to Wealthness; How to Kick Butt and Feel Rich! as well as the host of the podcast The Happy and Prosperous Life.
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http://bit.ly/1nspoNn

Since COVID, many of our clients have started working from home, from the cottage, and even from abroad.We have had the ...
09/04/2026

Since COVID, many of our clients have started working from home, from the cottage, and even from abroad.

We have had the privilege of helping people design and finance lifestyles that align with their values, goals, and desire for flexibility.

๐’๐จ... ๐ฐ๐ก๐š๐ญ ๐ข๐Ÿ ๐ฒ๐จ๐ฎ ๐œ๐จ๐ฎ๐ฅ๐ ๐ญ๐š๐ค๐ž ๐ฒ๐จ๐ฎ๐ซ ๐จ๐Ÿ๐Ÿ๐ข๐œ๐ž ๐š๐ง๐ฒ๐ฐ๐ก๐ž๐ซ๐ž ๐ข๐ง ๐ญ๐ก๐ž ๐ฐ๐จ๐ซ๐ฅ๐?

In our latest episode of ๐‘ป๐’‰๐’† ๐‘ท๐’“๐’๐’”๐’‘๐’†๐’“๐’๐’–๐’” ๐’‚๐’๐’… ๐‘ฏ๐’‚๐’‘๐’‘๐’š ๐‘ณ๐’Š๐’‡๐’†, I'm joined by ๐†๐ž๐จ๐ซ๐ ๐ข๐ง๐š ๐‹๐ฅ๐จ๐ฒ๐, ๐ˆ๐ง๐ญ๐ž๐ซ๐ง๐š๐ญ๐ข๐จ๐ง๐š๐ฅ ๐„๐ฑ๐ž๐œ๐ฎ๐ญ๐ข๐ฏ๐ž ๐‚๐จ๐ง๐ฌ๐ฎ๐ฅ๐ญ๐š๐ง๐ญ, ๐๐ซ๐จ๐Ÿ๐ž๐ฌ๐ฌ๐ข๐จ๐ง๐š๐ฅ ๐‡๐ž๐š๐ ๐‡๐ฎ๐ง๐ญ๐ž๐ซ, ๐š๐ง๐ ๐ƒ๐ข๐ ๐ข๐ญ๐š๐ฅ ๐๐จ๐ฆ๐š๐.

Together, we explore the realities behind a lifestyle that is often romanticized on social media:

โœˆ๏ธ How do digital nomads actually make a living?
๐ŸŒ What does it take to work legally from another country?
๐Ÿ’ฐ How do taxes, banking, healthcare, and financial planning work across borders?
๐Ÿก Is location independence true freedom, or are there hidden trade-offs?

Whether you're curious about remote work, dreaming of living abroad, or simply interested in the future of work, this conversation is filled with practical insights, personal experiences, and valuable lessons.

๐ŸŽง ๐‹๐ข๐ฌ๐ญ๐ž๐ง ๐ง๐จ๐ฐ ๐š๐ง๐ ๐๐ข๐ฌ๐œ๐จ๐ฏ๐ž๐ซ ๐ฐ๐ก๐š๐ญ ๐ฅ๐ข๐Ÿ๐ž ๐š๐ฌ ๐š ๐๐ข๐ ๐ข๐ญ๐š๐ฅ ๐ง๐จ๐ฆ๐š๐ ๐ข๐ฌ ๐ซ๐ž๐š๐ฅ๐ฅ๐ฒ ๐ฅ๐ข๐ค๐ž: https://open.spotify.com/episode/6PHYas3AfQptoInKDEql7z?si=612f41ed3ef6464b

Georgina Lloyd

Depuis la COVID, plusieurs de nos clients travaillent dรฉsormais de la maison, du chalet et mรชme de l'รฉtranger.

Nous avons le privilรจge d'aider des personnes ร  bรขtir et ร  financer un mode de vie qui reflรจte leurs objectifs, leurs valeurs et leur dรฉsir de libertรฉ.

๐€๐ฅ๐จ๐ซ๐ฌ... ๐ž๐ญ ๐ฌ๐ข ๐ฏ๐จ๐ญ๐ซ๐ž ๐›๐ฎ๐ซ๐ž๐š๐ฎ ๐ฉ๐จ๐ฎ๐ฏ๐š๐ข๐ญ ๐ฏ๐จ๐ฎ๐ฌ ๐ฌ๐ฎ๐ข๐ฏ๐ซ๐ž ๐ฉ๐š๐ซ๐ญ๐จ๐ฎ๐ญ ๐๐š๐ง๐ฌ ๐ฅ๐ž ๐ฆ๐จ๐ง๐๐ž?

Dans ce nouvel รฉpisode de ๐‘ป๐’‰๐’† ๐‘ท๐’“๐’๐’”๐’‘๐’†๐’“๐’๐’–๐’” ๐’‚๐’๐’… ๐‘ฏ๐’‚๐’‘๐’‘๐’š ๐‘ณ๐’Š๐’‡๐’†, je reรงois ๐†๐ž๐จ๐ซ๐ ๐ข๐ง๐š ๐‹๐ฅ๐จ๐ฒ๐, ๐œ๐จ๐ง๐ฌ๐ฎ๐ฅ๐ญ๐š๐ง๐ญ๐ž ๐ข๐ง๐ญ๐ž๐ซ๐ง๐š๐ญ๐ข๐จ๐ง๐š๐ฅ๐ž ๐š๐ฎ๐ฉ๐ซ๐žฬ€๐ฌ ๐๐ž ๐๐ข๐ซ๐ข๐ ๐ž๐š๐ง๐ญ๐ฌ, ๐œ๐ก๐š๐ฌ๐ฌ๐ž๐ฎ๐ฌ๐ž ๐๐ž ๐ญ๐žฬ‚๐ญ๐ž๐ฌ ๐ฉ๐ซ๐จ๐Ÿ๐ž๐ฌ๐ฌ๐ข๐จ๐ง๐ง๐ž๐ฅ๐ฅ๐ž ๐ž๐ญ ๐ง๐จ๐ฆ๐š๐๐ž ๐ง๐ฎ๐ฆ๐žฬ๐ซ๐ข๐ช๐ฎ๐ž.

Ensemble, nous explorons la rรฉalitรฉ derriรจre ce mode de vie qui fait tant rรชver .

Que vous envisagiez le tรฉlรฉtravail, rรชviez de vivre ร  l'รฉtranger ou soyez simplement curieux de l'avenir du travail, cet รฉpisode vous offrira des rรฉflexions concrรจtes, des expรฉriences vรฉcues et de prรฉcieux conseils.

I was delighted to collaborate with The Globe and Mail on a topic that is very close to my heart: helping families prepa...
09/03/2026

I was delighted to collaborate with The Globe and Mail on a topic that is very close to my heart: helping families prepare for the cost of raising children and supporting their future education goals.

Recent estimates suggest that raising a child to age 18 in Canada can cost approximately $300,000, with post-secondary education representing a significant additional expense. An RESP, with its tax-deferred growth and valuable government grants, can go a long way toward helping families manage these costs.

In today's Globe and Mail article, I focus on the final years of RESP investing for students aged 15 to 18. During this stage, families face an important challenge: continuing to pursue growth while preparing for upcoming withdrawals and avoiding difficult decisions should markets become volatile.

Thank you to Shirley Won and the other contributors for helping bring practical education-planning strategies to Canadian families.

๐Ÿ“š Read the article here if you subscribe to the Globe: https://www.theglobeandmail.com/investing/globe-advisor/advisor-etfs/article-resp-etf-picks-for-children-at-three-different-stages-of-growth/



J'ai eu le plaisir de collaborer avec The Globe and Mail sur un sujet qui me tient particuliรจrement ร  cล“ur : le coรปt d'รฉlever des enfants et la planification de leurs รฉtudes.

Selon des estimations rรฉcentes, le coรปt d'รฉlever un enfant jusqu'ร  l'รขge de 18 ans au Canada peut atteindre environ 300 000 $, sans compter les frais liรฉs aux รฉtudes postsecondaires. Un REEE, grรขce ร  sa croissance ร  l'abri de l'impรดt et aux gรฉnรฉreuses subventions gouvernementales, peut contribuer de faรงon importante ร  allรฉger ce fardeau financier.

Dans cet article du Globe and Mail, je me suis penchรฉe sur les derniรจres annรฉes d'investissement dans un REEE, lorsque les jeunes ont entre 15 et 18 ans. Cette pรฉriode soulรจve un dรฉfi important : continuer ร  rechercher la croissance tout en prรฉparant les retraits ร  venir et en รฉvitant d'avoir ร  retirer des sommes dans un contexte de marchรฉs difficiles.

๐ŸŒŠ What does the future of work look like? Sometimes, it looks like a sailboat in the Mediterranean. Over the past few ye...
08/14/2026

๐ŸŒŠ What does the future of work look like? Sometimes, it looks like a sailboat in the Mediterranean.

Over the past few years, the way we work and connect with clients has changed dramatically. Virtual meetings have become a comfortable and effective way to stay connected, no matter where we are.

In our upcoming client newsletter, we're highlighting our Estate Planning and Insurance Specialist, Annie Belanger, M. Fisc., Pl. Fin., who is spending part of the season aboard a sailboat in the Mediterranean with her husband. While many of us are working from home offices or cottages (that's me), Annie is giving new meaning to the phrase office with a view.

Her floating workspace inspired an upcoming episode of The Prosperous and Happy Life podcast, where we'll explore:
The rise of digital nomadism
The freedom of working from almost anywhere
Financial, tax, and insurance considerations before making the move
Practical strategies for staying productive while working remotely

๐ŸŽ™๏ธ Follow our podcast on Spotify: https://open.spotify.com/show/4wyqMlHY0UiySMrS9QOs5p
๐Ÿ“ฉ Subscribe to our newsletter: https://www.maryhagerman.ca

๐ŸŒŠ ร€ quoi ressemble l'avenir du travail? Parfois, ร  un voilier en Mรฉditerranรฉe.

Au cours des derniรจres annรฉes, notre faรงon de travailler et de rester en contact avec nos clients a considรฉrablement รฉvoluรฉ. Les rencontres virtuelles font maintenant partie du quotidien.

Dans notre prochaine infolettre, nous mettrons en vedette notre spรฉcialiste en planification successorale et en assurance, Annie Bรฉlanger, qui passe une partie de la saison ร  bord d'un voilier en Mรฉditerranรฉe avec son conjoint. Pendant que plusieurs d'entre nous travaillent de la maison ou du chalet, Annie redรฉfinit l'expression bureau avec vue.

Son bureau flottant a inspirรฉ un prochain รฉpisode de The Prosperous and Happy Life, oรน nous discuterons :
De la montรฉe du mode de vie des nomades numรฉriques
De la libertรฉ de travailler presque partout dans le monde
Des considรฉrations financiรจres, fiscales et d'assurance ร  connaรฎtre
De stratรฉgies concrรจtes pour demeurer productif ร  distance

๐ƒ๐จ ๐ฆ๐จ๐ง๐ž๐ฒ ๐ฐ๐จ๐ซ๐ซ๐ข๐ž๐ฌ, ๐ฅ๐ข๐Ÿ๐ž ๐จ๐ฏ๐ž๐ซ๐ฐ๐ก๐ž๐ฅ๐ฆ, ๐จ๐ซ ๐œ๐จ๐ฉ๐ข๐ง๐  ๐œ๐ก๐š๐ฅ๐ฅ๐ž๐ง๐ ๐ž๐ฌ ๐ž๐ฏ๐ž๐ซ ๐ค๐ž๐ž๐ฉ ๐ฒ๐จ๐ฎ ๐ฎ๐ฉ ๐š๐ญ ๐ง๐ข๐ ๐ก๐ญ?At one point or another, we all face si...
08/06/2026

๐ƒ๐จ ๐ฆ๐จ๐ง๐ž๐ฒ ๐ฐ๐จ๐ซ๐ซ๐ข๐ž๐ฌ, ๐ฅ๐ข๐Ÿ๐ž ๐จ๐ฏ๐ž๐ซ๐ฐ๐ก๐ž๐ฅ๐ฆ, ๐จ๐ซ ๐œ๐จ๐ฉ๐ข๐ง๐  ๐œ๐ก๐š๐ฅ๐ฅ๐ž๐ง๐ ๐ž๐ฌ ๐ž๐ฏ๐ž๐ซ ๐ค๐ž๐ž๐ฉ ๐ฒ๐จ๐ฎ ๐ฎ๐ฉ ๐š๐ญ ๐ง๐ข๐ ๐ก๐ญ?

At one point or another, we all face situations that feel difficult, uncertain, or simply beyond our control. That's exactly why two of Canada's leading psychiatrists decided to write a book about coping.

๐ˆ๐ง ๐ญ๐ก๐ข๐ฌ ๐ง๐ž๐ฐ ๐ž๐ฉ๐ข๐ฌ๐จ๐๐ž ๐จ๐Ÿ ๐‘ป๐’‰๐’† ๐‘ท๐’“๐’๐’”๐’‘๐’†๐’“๐’๐’–๐’” ๐’‚๐’๐’… ๐‘ฏ๐’‚๐’‘๐’‘๐’š ๐‘ณ๐’Š๐’‡๐’†, ๐ˆ ๐ฌ๐ข๐ญ ๐๐จ๐ฐ๐ง ๐ฐ๐ข๐ญ๐ก Dr. Robert Maunder ๐‚๐ก๐š๐ข๐ซ ๐ข๐ง ๐‡๐ž๐š๐ฅ๐ญ๐ก ๐š๐ง๐ ๐๐ž๐ก๐š๐ฏ๐ข๐จ๐ฎ๐ซ ๐š๐ญ ๐’๐ข๐ง๐š๐ข ๐‡๐ž๐š๐ฅ๐ญ๐ก ๐š๐ง๐ ๐๐ซ๐จ๐Ÿ๐ž๐ฌ๐ฌ๐จ๐ซ ๐จ๐Ÿ ๐๐ฌ๐ฒ๐œ๐ก๐ข๐š๐ญ๐ซ๐ฒ ๐š๐ญ ๐ญ๐ก๐ž ๐”๐ง๐ข๐ฏ๐ž๐ซ๐ฌ๐ข๐ญ๐ฒ ๐จ๐Ÿ ๐“๐จ๐ซ๐จ๐ง๐ญ๐จ, ๐š๐ง๐ ๐ƒ๐ซ. ๐‰๐จ๐ง๐š๐ญ๐ก๐š๐ง ๐‡๐ฎ๐ง๐ญ๐ž๐ซ, ๐๐ž๐ง๐œ๐ž๐ซ ๐‚๐ก๐š๐ข๐ซ ๐ข๐ง ๐€๐ฉ๐ฉ๐ฅ๐ข๐ž๐ ๐†๐ž๐ง๐ž๐ซ๐š๐ฅ ๐๐ฌ๐ฒ๐œ๐ก๐ข๐š๐ญ๐ซ๐ฒ ๐š๐ญ ๐’๐ข๐ง๐š๐ข ๐‡๐ž๐š๐ฅ๐ญ๐ก ๐š๐ง๐ ๐๐ซ๐จ๐Ÿ๐ž๐ฌ๐ฌ๐จ๐ซ ๐จ๐Ÿ ๐๐ฌ๐ฒ๐œ๐ก๐ข๐š๐ญ๐ซ๐ฒ ๐š๐ญ ๐ญ๐ก๐ž ๐”๐ง๐ข๐ฏ๐ž๐ซ๐ฌ๐ข๐ญ๐ฒ ๐จ๐Ÿ ๐“๐จ๐ซ๐จ๐ง๐ญ๐จ, ๐œ๐จ-๐š๐ฎ๐ญ๐ก๐จ๐ซ๐ฌ ๐จ๐Ÿ ๐‘ช๐’๐’‘๐’Š๐’๐’ˆ: ๐‘ญ๐’Š๐’™ ๐‘ท๐’“๐’๐’ƒ๐’๐’†๐’Ž๐’”, ๐‘ญ๐’Š๐’๐’… ๐‘ด๐’†๐’‚๐’๐’Š๐’๐’ˆ, ๐‘ญ๐’†๐’†๐’ ๐‘ฉ๐’†๐’•๐’•๐’†๐’“.

Drawing on decades of clinical experience, research, and thousands of conversations with patients facing illness, trauma, uncertainty, and loss, they share practical, evidence-based strategies for navigating life's most difficult moments.

We discuss:
๐Ÿ‘‰ Why some coping strategies make us feel worse over time
๐Ÿ‘‰ How to better navigate uncertainty and adversity
๐Ÿ‘‰ The powerful role of relationships, gratitude, and meaning
๐Ÿ‘‰ Practical tools for managing difficult emotions
๐Ÿ‘‰ What decades of research reveal about resilience and well-being
๐Ÿ‘‰ How to distinguish between problems you can solve and those you need to learn to live with

As someone who works closely with individuals and families navigating not only financial decisions, but also the emotional realities that come with them, I found this conversation particularly insightful. Whether the source of stress is money, health, relationships, caregiving, or life's unexpected twists and turns, the principles of coping remain remarkably universal.

๐ŸŽง ๐‹๐ข๐ฌ๐ญ๐ž๐ง ๐ง๐จ๐ฐ ๐จ๐ง ๐’๐ฉ๐จ๐ญ๐ข๐Ÿ๐ฒ: https://open.spotify.com/episode/2GQFc7nKPsXU07kFKWc7PS?si=254a548c6564486c

If you enjoy the episode, please consider leaving a review and sharing it with someone who may benefit from the conversation.



๐ŸŽง ๐„ฬ๐œ๐จ๐ฎ๐ญ๐ž๐ณ ๐ฅ'๐žฬ๐ฉ๐ข๐ฌ๐จ๐๐ž ๐๐žฬ€๐ฌ ๐ฆ๐š๐ข๐ง๐ญ๐ž๐ง๐š๐ง๐ญ ๐ฌ๐ฎ๐ซ ๐’๐ฉ๐จ๐ญ๐ข๐Ÿ๐ฒ : https://open.spotify.com/episode/2GQFc7nKPsXU07kFKWc7PS?si=254a548c6564486c

Veuillez noter que cet รฉpisode est prรฉsentรฉ en anglais.

๐Ž๐ง๐ž ๐จ๐Ÿ ๐ญ๐ก๐ž ๐ฆ๐จ๐ฌ๐ญ ๐ข๐ฆ๐ฉ๐จ๐ซ๐ญ๐š๐ง๐ญ ๐ฅ๐ž๐ฌ๐ฌ๐จ๐ง๐ฌ ๐ˆ'๐ฏ๐ž ๐ฅ๐ž๐š๐ซ๐ง๐ž๐, ๐›๐จ๐ญ๐ก ๐ข๐ง ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐š๐ง๐ ๐ข๐ง ๐ฅ๐ข๐Ÿ๐ž, ๐ข๐ฌ ๐ญ๐ก๐š๐ญ ๐ฉ๐ซ๐จ๐ฌ๐ฉ๐ž๐ซ๐ข๐ญ๐ฒ ๐ข๐ฌ ๐ซ๐š๐ซ๐ž๐ฅ๐ฒ ๐š๐œ๐ก๐ข๐ž๐ฏ๐ž๐ ๐š๐ฅ๐จ๐ง...
07/30/2026

๐Ž๐ง๐ž ๐จ๐Ÿ ๐ญ๐ก๐ž ๐ฆ๐จ๐ฌ๐ญ ๐ข๐ฆ๐ฉ๐จ๐ซ๐ญ๐š๐ง๐ญ ๐ฅ๐ž๐ฌ๐ฌ๐จ๐ง๐ฌ ๐ˆ'๐ฏ๐ž ๐ฅ๐ž๐š๐ซ๐ง๐ž๐, ๐›๐จ๐ญ๐ก ๐ข๐ง ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐š๐ง๐ ๐ข๐ง ๐ฅ๐ข๐Ÿ๐ž, ๐ข๐ฌ ๐ญ๐ก๐š๐ญ ๐ฉ๐ซ๐จ๐ฌ๐ฉ๐ž๐ซ๐ข๐ญ๐ฒ ๐ข๐ฌ ๐ซ๐š๐ซ๐ž๐ฅ๐ฒ ๐š๐œ๐ก๐ข๐ž๐ฏ๐ž๐ ๐š๐ฅ๐จ๐ง๐ž.

Over the past ๐Ÿ๐จ๐ฎ๐ซ ๐ฒ๐ž๐š๐ซ๐ฌ of hosting ๐‘ป๐’‰๐’† ๐‘ท๐’“๐’๐’”๐’‘๐’†๐’“๐’๐’–๐’” ๐’‚๐’๐’… ๐‘ฏ๐’‚๐’‘๐’‘๐’š ๐‘ณ๐’Š๐’‡๐’† ๐’‘๐’๐’…๐’„๐’‚๐’”๐’•, I've had the privilege of speaking with remarkable entrepreneurs, investors, leaders, athletes, physicians, and changemakers.

While their paths to success have been very different, a common thread has emerged time and time again: no one succeeds alone.

Behind every accomplishment are the people who believed in us, challenged us, opened doors, offered guidance, and stood beside us along the way.

Today, on ๐ˆ๐ง๐ญ๐ž๐ซ๐ง๐š๐ญ๐ข๐จ๐ง๐š๐ฅ ๐ƒ๐š๐ฒ ๐จ๐Ÿ ๐…๐ซ๐ข๐ž๐ง๐๐ฌ๐ก๐ข๐ฉ, we're reminded that some of our greatest assets don't always appear on a balance sheet. They live in the relationships we've built, nurtured, and invested in over the years.

๐‡๐ž๐ซ๐ž'๐ฌ ๐š ๐ฌ๐ก๐จ๐ฎ๐ญ-๐จ๐ฎ๐ญ ๐ญ๐จ ๐ญ๐ก๐ž ๐ข๐ง๐œ๐ซ๐ž๐๐ข๐›๐ฅ๐ž ๐ญ๐ž๐š๐ฆ ๐ญ๐ก๐š๐ญ ๐ฌ๐ฎ๐ซ๐ซ๐จ๐ฎ๐ง๐๐ฌ ๐ฆ๐ž ๐š๐ง๐ ๐›๐ซ๐ข๐ง๐ ๐ฌ ๐ซ๐ž๐š๐ฅ ๐ก๐š๐ฉ๐ฉ๐ข๐ง๐ž๐ฌ๐ฌ ๐ญ๐จ ๐ฆ๐ฒ ๐ฐ๐จ๐ซ๐ค ๐ž๐ฏ๐ž๐ซ๐ฒ ๐๐š๐ฒ; Vladimir Truskov Nicholas Saranczuk Laurence Bond

๐ŸŽ™๏ธ You can explore our conversations on prosperity and happiness here: https://open.spotify.com/show/4wyqMlHY0UiySMrS9QOs5p



๐‹'๐ฎ๐ง๐ž ๐๐ž๐ฌ ๐ฅ๐ž๐œฬง๐จ๐ง๐ฌ ๐ฅ๐ž๐ฌ ๐ฉ๐ฅ๐ฎ๐ฌ ๐ข๐ฆ๐ฉ๐จ๐ซ๐ญ๐š๐ง๐ญ๐ž๐ฌ ๐ช๐ฎ๐ž ๐ฃ'๐š๐ข ๐š๐ฉ๐ฉ๐ซ๐ข๐ฌ๐ž๐ฌ, ๐ญ๐š๐ง๐ญ ๐ž๐ง ๐š๐Ÿ๐Ÿ๐š๐ข๐ซ๐ž๐ฌ ๐ช๐ฎ๐ž ๐๐š๐ง๐ฌ ๐ฅ๐š ๐ฏ๐ข๐ž, ๐ž๐ฌ๐ญ ๐ช๐ฎ๐ž ๐ฅ๐š ๐ฉ๐ซ๐จ๐ฌ๐ฉ๐žฬ๐ซ๐ข๐ญ๐žฬ ๐ฌ'๐š๐œ๐œ๐จ๐ฆ๐ฉ๐ฅ๐ข๐ญ ๐ซ๐š๐ซ๐ž๐ฆ๐ž๐ง๐ญ ๐ฌ๐ž๐ฎ๐ฅ๐ž.

Au cours des ๐ช๐ฎ๐š๐ญ๐ซ๐ž ๐๐ž๐ซ๐ง๐ข๐žฬ€๐ซ๐ž๐ฌ ๐š๐ง๐ง๐žฬ๐ž๐ฌ ร  l'animation du ๐’ƒ๐’‚๐’๐’‚๐’…๐’ ๐‘ป๐’‰๐’† ๐‘ท๐’“๐’๐’”๐’‘๐’†๐’“๐’๐’–๐’” ๐’‚๐’๐’… ๐‘ฏ๐’‚๐’‘๐’‘๐’š ๐‘ณ๐’Š๐’‡๐’†, j'ai eu le privilรจge d'รฉchanger avec des entrepreneurs, investisseurs, leaders, athlรจtes, mรฉdecins et acteurs de changement remarquables.

Bien que leurs parcours vers le succรจs aient รฉtรฉ trรจs diffรฉrents, un thรจme revient constamment : personne ne rรฉussit seul.

Derriรจre chaque rรฉussite se trouvent des personnes qui ont cru en nous, nous ont mis au dรฉfi, nous ont ouvert des portes, partagรฉ leurs conseils et nous ont accompagnรฉs tout au long du parcours.

Aujourd'hui, ร  l'occasion de la ๐‰๐จ๐ฎ๐ซ๐ง๐žฬ๐ž ๐ข๐ง๐ญ๐ž๐ซ๐ง๐š๐ญ๐ข๐จ๐ง๐š๐ฅ๐ž ๐๐ž ๐ฅ'๐š๐ฆ๐ข๐ญ๐ข๐žฬ, nous nous rappelons que certains de nos plus grands actifs n'apparaissent jamais sur un bilan financier. Ils se trouvent dans les relations que nous avons bรขties, entretenues et cultivรฉes au fil des ans.

๐‰๐ž ๐ญ๐ข๐ž๐ง๐ฌ ๐šฬ€ ๐ซ๐ž๐ฆ๐ž๐ซ๐œ๐ข๐ž๐ซ ๐œ๐ก๐š๐ฅ๐ž๐ฎ๐ซ๐ž๐ฎ๐ฌ๐ž๐ฆ๐ž๐ง๐ญ ๐ฅ'๐žฬ๐ช๐ฎ๐ข๐ฉ๐ž ๐ž๐ฑ๐œ๐ž๐ฉ๐ญ๐ข๐จ๐ง๐ง๐ž๐ฅ๐ฅ๐ž ๐ช๐ฎ๐ข ๐ฆ'๐ž๐ง๐ญ๐จ๐ฎ๐ซ๐ž ๐ž๐ญ ๐ช๐ฎ๐ข ๐š๐ฉ๐ฉ๐จ๐ซ๐ญ๐ž ๐œ๐ก๐š๐ช๐ฎ๐ž ๐ฃ๐จ๐ฎ๐ซ ๐๐ฎ ๐›๐จ๐ง๐ก๐ž๐ฎ๐ซ ๐šฬ€ ๐ฆ๐จ๐ง ๐ญ๐ซ๐š๐ฏ๐š๐ข๐ฅ.

๐‡๐š๐ฉ๐ฉ๐ฒ ๐‚๐š๐ง๐š๐๐š ๐ƒ๐š๐ฒ!ย Today, we celebrate the people and opportunities that make Canada such a special place to call home.ย A...
07/01/2026

๐‡๐š๐ฉ๐ฉ๐ฒ ๐‚๐š๐ง๐š๐๐š ๐ƒ๐š๐ฒ!
ย 
Today, we celebrate the people and opportunities that make Canada such a special place to call home.
ย 
As we mark Canada Day, weโ€™re also proud to celebrate a milestone of our own: ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ” ๐ฆ๐š๐ซ๐ค๐ฌ ๐Ÿ๐Ÿ“ ๐ฒ๐ž๐š๐ซ๐ฌ ๐จ๐Ÿ ๐‘๐š๐ฒ๐ฆ๐จ๐ง๐ ๐‰๐š๐ฆ๐ž๐ฌ ๐ข๐ง ๐‚๐š๐ง๐š๐๐š. While the Raymond James name has been here for 25 years, our Canadian roots run much deeper, dating back to 1849 through MacDougall Brothers in Montreal, nearly two decades before Confederation. Our heritage is built on generations of trusted advice, strong relationships, and a commitment to putting clients first.
ย 
And what a memorable year it has been for Canadian soccer. With Canada advancing to the FIFA World Cup Round of 16, fans across the country have another reason to celebrate this summer. โšฝ
ย 
Wherever youโ€™re celebrating, we wish you a wonderful day with family and friends and a fantastic summer ahead!
ย 

๐–๐ž ๐ก๐š๐ ๐š ๐Ÿ๐š๐ง๐ญ๐š๐ฌ๐ญ๐ข๐œ ๐‹๐ฎ๐ง๐œ๐ก & ๐‹๐ž๐š๐ซ๐ง ๐ญ๐จ๐๐š๐ฒ ๐ฐ๐ข๐ญ๐ก ๐‘๐ž๐ฏ๐ž๐ง๐ฎ ๐๐ฎ๐žฬ๐›๐ž๐œ, ๐ญ๐ก๐š๐ง๐ค ๐ฒ๐จ๐ฎ ๐ญ๐จ ๐ž๐ฏ๐ž๐ซ๐ฒ๐จ๐ง๐ž ๐ฐ๐ก๐จ ๐ฃ๐จ๐ข๐ง๐ž๐ ๐ฎ๐ฌ ๐š๐ง๐ ๐œ๐จ๐ง๐ญ๐ซ๐ข๐›๐ฎ๐ญ๐ž๐ ๐ญ๐จ ๐ฌ๐ฎ๐œ๐ก ...
06/17/2026

๐–๐ž ๐ก๐š๐ ๐š ๐Ÿ๐š๐ง๐ญ๐š๐ฌ๐ญ๐ข๐œ ๐‹๐ฎ๐ง๐œ๐ก & ๐‹๐ž๐š๐ซ๐ง ๐ญ๐จ๐๐š๐ฒ ๐ฐ๐ข๐ญ๐ก ๐‘๐ž๐ฏ๐ž๐ง๐ฎ ๐๐ฎ๐žฬ๐›๐ž๐œ, ๐ญ๐ก๐š๐ง๐ค ๐ฒ๐จ๐ฎ ๐ญ๐จ ๐ž๐ฏ๐ž๐ซ๐ฒ๐จ๐ง๐ž ๐ฐ๐ก๐จ ๐ฃ๐จ๐ข๐ง๐ž๐ ๐ฎ๐ฌ ๐š๐ง๐ ๐œ๐จ๐ง๐ญ๐ซ๐ข๐›๐ฎ๐ญ๐ž๐ ๐ญ๐จ ๐ฌ๐ฎ๐œ๐ก ๐š๐ง ๐ž๐ง๐ ๐š๐ ๐ข๐ง๐  ๐š๐ง๐ ๐ข๐ง๐ฌ๐ข๐ ๐ก๐ญ๐Ÿ๐ฎ๐ฅ ๐๐ข๐ฌ๐œ๐ฎ๐ฌ๐ฌ๐ข๐จ๐ง!

A special thank you to our guest speakers for helping demystify key tax considerations for entrepreneurs and professionals.

๐Ž๐ง๐ž ๐จ๐Ÿ ๐ญ๐ก๐ž ๐›๐ข๐ ๐ ๐ž๐ฌ๐ญ ๐ญ๐š๐ค๐ž๐š๐ฐ๐š๐ฒ๐ฌ? Many people are unknowingly claiming business expenses, especially meals and vehicle use, incorrectly. Small misunderstandings can have a significant impact, and conversations like these help bring understanding where it matters most.

Thank you as well to our clients and guests for your thoughtful questions and continued trust.

If you'd like to revisit any of the topics discussed or explore how they apply to your situation, I would be happy to continue the conversation.

๐Ÿ“ฉ Feel free to reach out anytime.



๐๐จ๐ฎ๐ฌ ๐š๐ฏ๐จ๐ง๐ฌ ๐ž๐ฎ ๐ฎ๐ง ๐ž๐ฑ๐œ๐ž๐ฅ๐ฅ๐ž๐ง๐ญ ๐๐ขฬ‚๐ง๐ž๐ซ-๐œ๐š๐ฎ๐ฌ๐ž๐ซ๐ข๐ž ๐š๐ฎ๐ฃ๐จ๐ฎ๐ซ๐'๐ก๐ฎ๐ข ๐š๐ฏ๐ž๐œ ๐‘๐ž๐ฏ๐ž๐ง๐ฎ ๐๐ฎ๐žฬ๐›๐ž๐œ, ๐ฆ๐ž๐ซ๐œ๐ข ๐šฬ€ ๐ญ๐จ๐ฎ๐ฌ ๐œ๐ž๐ฎ๐ฑ ๐ช๐ฎ๐ข ๐ฌ๐ž ๐ฌ๐จ๐ง๐ญ ๐ฃ๐จ๐ข๐ง๐ญ๐ฌ ๐šฬ€ ๐ง๐จ๐ฎ๐ฌ ๐ž๐ญ ๐ช๐ฎ๐ข ๐จ๐ง๐ญ ๐œ๐จ๐ง๐ญ๐ซ๐ข๐›๐ฎ๐žฬ ๐šฬ€ ๐ฎ๐ง๐ž ๐๐ข๐ฌ๐œ๐ฎ๐ฌ๐ฌ๐ข๐จ๐ง ๐ซ๐ข๐œ๐ก๐ž ๐ž๐ญ ๐ฉ๐ž๐ซ๐ญ๐ข๐ง๐ž๐ง๐ญ๐ž !

Un merci tout spรฉcial ร  nos confรฉrenciers pour avoir su dรฉmystifier des concepts fiscaux clรฉs pour les entrepreneurs et les professionnels.

๐”๐ง ๐๐ž๐ฌ ๐ฉ๐ซ๐ข๐ง๐œ๐ข๐ฉ๐š๐ฎ๐ฑ ๐œ๐จ๐ง๐ฌ๐ญ๐š๐ญ๐ฌ? Plusieurs personnes dรฉclarent leurs dรฉpenses d'entreprise, notamment les repas et l'utilisation de leur vรฉhicule, de faรงon inadรฉquate, souvent sans le savoir. De petites erreurs peuvent entraรฎner des consรฉquences importantes, et ces รฉchanges permettent de mieux comprendre les bonnes pratiques.

Merci รฉgalement ร  nos clients et invitรฉs pour vos questions et votre confiance.

Si vous souhaitez approfondir certains sujets ou voir comment ceuxโ€‘ci s'appliquent ร  votre situation, il me fera plaisir de poursuivre la discussion.

๐Ÿ“ฉ N'hรฉsitez pas ร  me contacter.

๐„๐ง๐ญ๐ซ๐ž๐ฉ๐ซ๐ž๐ง๐ž๐ฎ๐ซ๐ฌ ๐ž๐ญ ๐ญ๐ซ๐š๐ฏ๐š๐ข๐ฅ๐ฅ๐ž๐ฎ๐ซ๐ฌ ๐š๐ฎ๐ญ๐จ๐ง๐จ๐ฆ๐ž๐ฌ, ๐žฬ‚๐ญ๐ž๐ฌ-๐ฏ๐จ๐ฎ๐ฌ ๐œ๐ž๐ซ๐ญ๐š๐ข๐ง ๐'๐จ๐ฉ๐ญ๐ข๐ฆ๐ข๐ฌ๐ž๐ซ ๐ฏ๐จ๐ฌ ๐๐žฬ๐๐ฎ๐œ๐ญ๐ข๐จ๐ง๐ฌ ๐Ÿ๐ข๐ฌ๐œ๐š๐ฅ๐ž๐ฌ ? Certaines dรฉpenses cl...
05/26/2026

๐„๐ง๐ญ๐ซ๐ž๐ฉ๐ซ๐ž๐ง๐ž๐ฎ๐ซ๐ฌ ๐ž๐ญ ๐ญ๐ซ๐š๐ฏ๐š๐ข๐ฅ๐ฅ๐ž๐ฎ๐ซ๐ฌ ๐š๐ฎ๐ญ๐จ๐ง๐จ๐ฆ๐ž๐ฌ, ๐žฬ‚๐ญ๐ž๐ฌ-๐ฏ๐จ๐ฎ๐ฌ ๐œ๐ž๐ซ๐ญ๐š๐ข๐ง ๐'๐จ๐ฉ๐ญ๐ข๐ฆ๐ข๐ฌ๐ž๐ซ ๐ฏ๐จ๐ฌ ๐๐žฬ๐๐ฎ๐œ๐ญ๐ข๐จ๐ง๐ฌ ๐Ÿ๐ข๐ฌ๐œ๐š๐ฅ๐ž๐ฌ ?

Certaines dรฉpenses clรฉs demeurent mal comprisesโ€ฆ et peuvent entraรฎner des ๐ž๐ซ๐ซ๐ž๐ฎ๐ซ๐ฌ ๐œ๐จ๐ฎฬ‚๐ญ๐ž๐ฎ๐ฌ๐ž๐ฌ.

Nous vous invitons ร  un dรฎner-confรฉrence en collaboration avec Revenu Quรฉbec pour ๐œ๐ฅ๐š๐ซ๐ข๐Ÿ๐ข๐ž๐ซ ๐ฅ๐ž๐ฌ ๐ซ๐žฬ€๐ ๐ฅ๐ž๐ฌ ๐ž๐ญ ๐žฬ๐ฏ๐ข๐ญ๐ž๐ซ ๐ฅ๐ž๐ฌ ๐ฉ๐ข๐žฬ€๐ ๐ž๐ฌ ๐ฅ๐ž๐ฌ ๐ฉ๐ฅ๐ฎ๐ฌ ๐Ÿ๐ซ๐žฬ๐ช๐ฎ๐ž๐ง๐ญ๐ฌ:

โ†’ Frais de repas
โ†’ Vรฉhicule
โ†’ Travail ร  domicile
โ†’ Congrรจs et formations

Un format privilรฉgiรฉ, en petit groupe, pour approfondir les enjeux concrets!

๐Ÿ“… 16 juin 2026 | 12 h
๐Ÿ“ Montrรฉal โ€” 1000, rue De La Gauchetiรจre Ouest
๐Ÿฝ๏ธ Un lรฉger repas sera servi

ร‰vรฉnement gratuit, places limitรฉes. Inscrivez-vous dรจs maintenant.

https://www.eventbrite.com/e/particularites-liees-a-certaines-depenses-et-traitement-fiscal-applicable-tickets-1990001444891?aff=oddtdtcreator

๐Ÿ“ธ This photo was taken almost 8 years agoโ€”before Martin St. Louis became head coach of the Canadiens and before I became...
05/22/2026

๐Ÿ“ธ This photo was taken almost 8 years agoโ€”before Martin St. Louis became head coach of the Canadiens and before I became a Habs fan.

Thanks to some encouragement from my BMO colleague Alain Desbiens , I couldn't resist the photo op ๐Ÿ˜Š

Funny how neither of us knew what the future would holdโ€ฆ

At a recent game, St. Louis told his players: "Stay focused on the present moment."

That really resonatedโ€”turns out we have more in common than just hockey. ๐Ÿ’

Go Habs Go!

๐Ÿ™Œ

๐Ÿ“ธ Cette photo a รฉtรฉ prise il y a presque 8 ans โ€” avant que Martin St. Louis ne devienne entraรฎneur des Canadiens et avant que je sois un fan des Habs.

Grรขce ร  un peu d'encouragement de mes collรจgues chez BMO, je n'ai pas pu rรฉsister ร  cette photo ๐Ÿ˜Š

Drรดle de penser que personne ne savait ce que l'avenir nous rรฉservaitโ€ฆ

Rรฉcemment, St. Louis a partagรฉ : ยซ Restez concentrรฉs sur le moment prรฉsent. ยป

ร‡a m'a vraiment interpellรฉ โ€” il semble qu'on ait plus en commun que le hockey. ๐Ÿ’

๐Ÿ™Œ

Every Friday afternoon, our team does a check-in to see what each one of us has planned for the weekend to relax, renew ...
05/15/2026

Every Friday afternoon, our team does a check-in to see what each one of us has planned for the weekend to relax, renew and rewind. On this first long weekend of summer, there are a lot of great options available, but outdoor grilling is definitely top of mind for our chief admin-man and podcast producer; Nicholas Saranczuk.

We take mental health seriously, not just for our team, but our clients as well.

May is Mental Health Month, and it's also a reminder that brain health isn't just a medical topic. It's also a family and financial one.

Each year, 1 in 5 Canadians experiences mental health or substanceโ€‘use challenges, and nearly 800,000 Canadians are currently living with dementia. It's no surprise that many families worry about how cognitive change could affect longโ€‘term financial decisions, caregiving responsibilities, and the ability to protect a loved one's wishes.

That's why this month's newsletter explores the connection between brain health, caregiving, and financial decisions, including insights from Raymond James' collaboration with Baycrest Foundation and practical steps families can take before a crisis forces the conversation.

You can sign-up for our conference on brain health and subscribe to our newsletter here: https://www.maryhagerman.ca/?sc_lang=en



Mai est le Mois de la santรฉ mentale, et c'est aussi un rappel que la santรฉ du cerveau dรฉpasse le mรฉdical. C'est aussi un enjeu familial et financier.

Chaque annรฉe, 1 Canadien sur 5 vit un enjeu de santรฉ mentale ou de consommation, et prรจs de 800 000 Canadiens vivent actuellement avec une dรฉmence. Pour de nombreuses familles, les inquiรฉtudes portent moins sur les marchรฉs que sur la prise de dรฉcision, l'รฉvolution des rรดles et la protection des volontรฉs d'un proche.

C'est pourquoi notre infolettre de ce moisโ€‘ci met en lumiรจre le lien entre santรฉ cรฉrรฉbrale, prise en charge des proches et planification financiรจre, en s'appuyant notamment sur la collaboration entre Raymond James et la Fondation Baycrest, ainsi que sur des pistes concrรจtes pour amorcer ces conversations plus tรดt.

Abonnezโ€‘vous ร  notre infolettre : https://www.maryhagerman.ca/?sc_lang=fr-ca

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