Henderson Capital Management of RBC Dominion Securities Inc.

04/29/2026

According to a 2024 survey, only about 22 percent of baby boomers say they plan to leave an inheritance to their children. Many are choosing to spend their assets during their lifetime rather than preserve large estates.

That shift changes the role of financial literacy.

If wealth is not simply being passed down, understanding money becomes even more important. Adult children need context, not assumptions. How decisions are made. How tradeoffs work. How plans adapt over time.

That education rarely starts with spreadsheets or formal meetings. It starts with your own understanding and comfort talking about money in real terms.

Financial literacy is not something you hand off later. It is something you model, explain, and build gradually. And it usually starts with getting clear yourself.

Baby Boomers are spending more and saving less for heirs. Here's why many are embracing the 'Die With Zero' mindset in retirement.

04/15/2026

Trends change. Perspective compounds.

Steve grew up with:
• rotary phones
• handwritten ledgers
• interest rates in the teens
• markets without instant news

Sarah grew up with:
• smartphones
• real-time data
• side hustles and startups
• careers that do not follow straight lines

Different starting points.
The same responsibility.

A multi-generation planning team means decisions benefit from both long-term experience and modern perspective. That combination is not a nice-to-have. It is the asset.

04/01/2026

In Peterborough today, nearly 1 in 4 residents are aged 65 and over.*
That’s more than a statistic; it’s a reminder of how the lifecycle of wealth, life, and community are deeply connected.

At the same time, a recent national survey found that over half of Canadian employees feel they’re behind in retirement savings, a signal that even as more people approach retirement, many still don’t feel ready for it.

Whether you’re nearing retirement, helping a parent transition, or simply planning, here are a few ideas worth thinking about:

- Understand your “what’s next”

- Stay connected and engaged

- Plan with intention, not reaction

Learn more: https://bit.ly/3NYYfoT

Sources:
Point2Homes (Peterborough Demographics)
Benefits Canada (2025 Canadian Retirement Readiness Survey)
City of Peterborough (Age-Friendly Plan 2023–2027)

Half (51 per cent) of Canadian employees say they’re behind in their retirement savings and 34 per cent are worried about not having enough money saved when they retire, according to a new survey by Manulife Financial Corp. The survey, which polled more than 1,500 employees and more than 500 retir...

03/24/2026

There is a difference between a plan that sounds good on paper and a plan that feels right in real life.

We think in terms of context, continuity, and clarity. That means:

• leaning on experience that spans many cycles, not headlines;
• listening first and understanding what matters most;
• turning complexity into conversations that make sense;
• holding today’s needs and tomorrow’s intentions together;
• connecting clients with professionals and community partners who add real value.

If you want to understand how we approach financial decisions in a thoughtful, long view way, take a look at our approach.

03/18/2026

March always feels like a turning point in hockey season.

The regular season is winding down, games start to matter a little more, and every point feels heavier as teams push toward the playoffs.

A fun local fact many people do not realize: the Peterborough Petes have sent more players to the NHL than any other minor league franchise in Canada. It is a quiet point of pride for the city and a reminder of just how deep the hockey roots run here.

From the rink to the living room, March is when focus sharpens and momentum builds. In Peterborough, that energy has been part of the fabric for generations.

03/09/2026

In Peterborough, environmental sustainability is not a trend. It is part of the community’s identity.

From local conservation efforts to businesses and families making thoughtful choices about their impact, care for the environment shows up in practical, everyday ways here.

That same mindset is why environmental considerations matter to many investors. ESG investing, particularly on the environmental side, is not about making statements. It is about aligning capital with long-term stewardship, resilience, and responsibility.

For Henderson Capital Management, this connection feels natural. The values that shape how people care for their community often shape how they think about their money as well.

It is less about labels and more about intention. Taking care of what matters today, while being mindful of what comes next.

03/06/2026

Last night Sarah Sackville from the HCM team had the opportunity to host an International Women’s Day event here Peterborough.

Here are some of Sarah's thoughts about the event:

It was incredible to see more 50 women from our office, local accounting and law firms, and our bank partners gathered in one room.

The theme of this year’s International Women’s Day is “Give to Gain”, which perfectly captured the spirit of the evening, and the reason Sarah wanted to organize the event in the first place. When women support one another — through mentorship, encouragement, or appreciation — they create momentum that lifts more than just ourselves.

Some of the most meaningful growth Sarah’s my career has come from women who shared their time, opened doors, offered advice, and believed in me. Their willingness to share their stories has shaped who I am today.

Progress doesn’t happen alone. It happens when we make space for others and share not just our wins, but the story of how we got there.

So, in the spirit of “Give to Gain”, I encourage everyone to share their story. Because when one woman shares her story, another gains possibility.

Thank you to everyone who came out and made last night so special!

03/04/2026

If you’ve ever worked with Henderson Capital Management, chances are you’ve connected with Lee-Ann Jenkins, the person who keeps everything running smoothly behind the scenes.

Since joining RBC Dominion Securities in 2000 and later Henderson Capital Management in 2015, Lee-Ann has been an essential part of our team’s success. Her organization, care, and commitment to exceptional service ensure that every client interaction reflects the values we stand for.

To shine a light on her role, we asked Lee-Ann a few questions about her career and what continues to drive her after more than two decades in wealth management.

1. What’s the most important part of your role at Henderson Capital Management?
Lee-Ann: “Making sure every client feels heard and supported. Whether it’s organizing a transfer or solving a problem, it’s about taking care of the details so clients can focus on what matters most to them.”

2. What do you think makes great client service in this industry?
Lee-Ann: “Consistency and care. People want to know that when they call, they’ll talk to someone who knows their story, not just their account number. That familiarity builds trust, and trust builds long-term relationships.”

3. What do you enjoy most about being part of this team?
Lee-Ann: “The collaboration. We all bring different strengths, and it’s rewarding to see how that comes together for the benefit of our clients. After 20+ years in this business, I still learn something new every day.”

Lee-Ann’s experience and genuine dedication are at the heart of what makes Henderson Capital Management’s client service stand out. We’re grateful to have her leadership, insight, and steady hand guiding our operations every day.

02/24/2026

Steve and Sarah work with families at very different stages of life. One brings decades of experience across multiple market cycles. The other brings a clear view of what today’s builders and next-generation decision makers are facing.

Here is how those perspectives often show up in real conversations.

Market Volatility
Steve: Zooming out. Cycles repeat. Discipline matters.
Sarah: Zooming in. Helping clients stay steady when it feels personal.

Planning Priority
Steve: Durability over decades.
Sarah: Flexibility in the early years.

Client Milestones
Steve: Retirement income and estate transitions.
Sarah: First homes, growing families, building momentum.

Decision Making
Steve: What has held up through multiple markets.
Sarah: What works for changing careers and evolving lives.

Advice Style
Steve: Fewer moves. Well-timed decisions.
Sarah: Clear steps. Early course corrections.

Shared Truth
Different starting points. Same standard of care.

02/19/2026

February is often the month after the motivation fades.

January is full of goals, lists, and fresh starts. By now, many people feel a bit tired, busy again, or quietly behind on the things they meant to reset.

A February check-in does not need big changes. It is simply a pause to ask:
• What actually feels realistic right now
• What can stay simple
• What does not need attention yet

Progress is rarely loud. Sometimes it is just choosing to steady things instead of starting over.

February is a good time to be honest, not ambitious.

02/10/2026

TFSA and FHSA contribution season is one of those quiet money moments that actually matters.

These accounts tend to run in the background. They get opened, funded once or twice, then ignored while life moves on. Meanwhile, contribution room keeps growing and plans slowly drift without anyone noticing.

A short check-in can tell you a lot:
• How much room you really have
• Whether your money is sitting in the right place
• If anything has quietly been left on the table

It is also a good excuse to pull kids or young adults into the conversation. Not a lecture. Just a walkthrough of how these accounts work and why they exist.

Nothing dramatic. Just a smart pause before another year slips by.