Edward Jones: Financial Advisor Debbie Clark

06/08/2026

If you're planning to move in with your partner, you might be wondering what a cohabitation agreement actually is. Think of it as a clear, written understanding of how you'll handle finances, property, and responsibilities while living together.

A cohabitation agreement typically covers practical questions like:
• Who's responsible for the mortgage or rent?
• How will you split ongoing bills and utilities? What happens to property you each owned before moving in together, or things you buy jointly?
• How will you handle existing debt, and who's responsible for debt you take on together?

The goal isn't to plan for the worst. It's to create clarity so you can focus on building your life together without financial uncertainty getting in the way.

If you're considering moving in with your partner and want to understand how a cohabitation agreement fits into your broader financial picture, let's talk. I can help you think through the financial decisions that matter most.

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?

06/06/2026

Last week's blowout U.S. payroll report underlined the improvement in the U.S. labour market this year, with hiring accelerating and broadening across sectors, signaling a more durable foundation for growth. Canadian employment data were also surprisingly strong, reversing some of the weakness in hiring this year.

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

06/04/2026

Dual tax obligations require coordinated planning.

U.S. citizens living in Canada face a unique challenge: both countries tax worldwide income. That creates dual filing requirements and complex coordination between tax systems.

While tax treaties and foreign tax credits help prevent double taxation, applying them correctly requires qualified cross-border tax expertise. The wrong approach can result in missed credits or unnecessary tax liability.

I can work alongside cross-border tax professionals to help clients navigate dual tax systems strategically, not reactively.

Let's discuss how to coordinate your financial planning across both countries.

Edward Jones, its employees and Edward Jones advisors are not estate planners and cannot provide tax or legal advice.

Living in Canada as a U.S. citizen or Green Card holder? Discover the tax challenges you need to know when dealing with two tax systems.

06/03/2026

RRSPs are available to U.S. citizens residing in Canada, but the tax treatment differs by country.

Under the Canada-U.S. tax treaty, RRSP growth remains tax-deferred in both countries. However, contributions reduce Canadian taxable income but aren't deductible for U.S. tax purposes.

This split treatment requires careful tracking and coordinated planning to maximize benefits without creating reporting complications.

I can work alongside your qualified tax or legal professional to help you integrate RRSPs into cross-border retirement strategies that account for both tax systems.
Let's discuss whether an RRSP fits your situation.

Edward Jones, its employees and Edward Jones advisors are not estate planners and cannot provide tax or legal advice.

Living in Canada as a U.S. citizen or Green Card holder? Discover the tax challenges you need to know when dealing with two tax systems.

06/02/2026

Owning a property in the U.S. is a dream for many Canadians, especially as a winter escape. What’s often overlooked are the tax implications that can come with that decision.

U.S. property ownership can trigger obligations in both Canada and the U.S., including reporting requirements, withholding taxes, and potential estate tax exposure. In some cases, spending too much time in the U.S. can even create unexpected tax residency issues.

The good news is that many of these considerations can be managed with proper planning, but timing matters.

👉 Connect with me and I can help you understand the considerations and work alongside cross border tax professionals to support informed decisions.

💡 Edward Jones, its employees and financial advisors do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your personal situation. This content is for informational purposes only.

06/01/2026

June is National Indigenous History Month, a time to honour the rich cultures, histories, and contributions of First Nations, Inuit, and Métis peoples across Canada.

Like the related Indigenous philosophy that encourages individuals consider the impact of their decisions seven generations into the future, our purpose-driven firm strives to create positive generational impact.

This month offers an opportunity to learn, reflect, and recognize the strength and resilience of Indigenous communities. Understanding the past and celebrating the present helps support a future built on respect and meaningful relationships.

06/01/2026

Happy Pride Month! 🌈

This June, we celebrate love, authenticity, and the courage it takes to live as your true self.

Pride is about visibility, acceptance, and progress. It's about creating spaces where everyone feels safe to plan for the life they envision, whether that's marriage, family planning, retirement, or legacy building.

05/30/2026

Markets closed last week hopeful that a U.S.–Iran peace deal will finally help unwind the shock to global energy markets seen this year, with equities hitting new record highs and bonds rebounding.

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

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)

05/23/2026

Stocks continue to climb despite rising rates.

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