Edward Jones - Financial Advisor: Adam Ballard

06/08/2026

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)

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

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.

06/01/2026

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

A strong financial plan isn’t built on a single decision — it’s shaped by many moving parts working together. When we look at how you save, spend, invest, protect and plan for the future, we can design a strategy that supports both your life today and where you want to go next.

If you'd like help bringing the pieces together into a clear and connected plan, I’m here to guide you.

Reach out to book a meeting and let’s build it together.

Investments are tools. A financial plan is the blueprint. Together, they help you build and experience the life you want.

05/25/2026

When clients ask about the difference between investing and financial planning, I remind them that investing is just one piece of the puzzle.

Financial planning starts with your priorities — whether that’s retirement, education savings or protecting what you’ve built — and brings together taxes, timelines, risk and family needs to support those goals.

My role is to help align every part of your plan, so your investments truly reflect the life you want to build.

Reach out to book a meeting and let’s start planning with purpose.

05/23/2026

I'm deeply grateful to share that Edward Jones has been recognized as the No.1 Wealth Management Firm for Advised Investor Satisfaction in the JD Power 2026 Canada Investor Satisfaction Study, our 10th award in 14 years! 🏆

What makes this recognition especially meaningful? It came directly from our clients. They rated us highest in:

• Trust
• People
• Products meeting their needs
• Ease of doing business

This demonstrates what I've always believed: When you truly understand what your clients are trying to achieve — their goals, their concerns, their dreams for their family — everything else falls into place.

To my clients: Thank you for your trust. This recognition belongs to you and reflects the relationship we've built together.

If you've been considering personalized financial guidance, let's talk about your future. I'd welcome the opportunity to show you the difference this approach can make.

For JD Power 2026 award information, visit jdpower.com/awards

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.