Edward Jones - Financial Advisor: Kim Follis

10/07/2026

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)

10/05/2026

I'm pleased to share our Firm is expanding in the Newmarket/Aurora community with a new flagship 20-advisor office space, and we're looking for accomplished financial advisors who are ready to build something extraordinary.

Join us for appetizers and conversations with local advisors as we discuss:
• Economics & compensation
• Partnership structure
• Client experience
• Transition support
• Growth opportunity
• People & culture
• Administrative support

Event Details
- Place: The Postmark Hotel, Private Dining Room, 180 Main St S, Newmarket ON
- Date: Thursday October 29, 2026 Time: 6:30PM – 8:30PM
- Register by email
- RSVP by: October 16, 2026

10/03/2026

Recent U.S. inflation data improved, with core PCE inflation rising 3.0% from a year ago in August, while shorter-term measures showed further moderation.

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

09/30/2026

Income Smoothing Before Retirement:

Strategic withdrawals before age 71 can reduce lifetime taxes and keep retirement income predictable.

For a complimentary review of your retirement income strategy, call Kim at
519-371-1956

09/28/2026

"We just want to feel confident that we’re not missing anything.”

This is a concern I hear often from new clients.

High‑income earners aren’t usually unprepared — they’re under‑optimized.
A coordinated plan brings peace of mind.

For a confidential review of your financial plan, contact us at [email protected]

09/28/2026

Market volatility doesn't have to derail your financial goals. Register for our webinar, "Is now a good time to invest?", and learn:

-Why staying invested through market downturns has historically rewarded long-term investors
-The real cost of trying to time the market, and what the data actually shows
-How a clear financial plan keeps you focused when markets feel uncertain

September 29 at 4 p.m. ET

Tuesday, September 29, 2026 at 4:00 PM Eastern Daylight Time.

09/26/2026

Global interest rates continue to rise, with a sharp sell-off in U.S. Treasuries last week lifting bond yields to new 20-year highs while Canadian government bonds are near their 2023 post-pandemic peak.

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

09/24/2026

Fall Is Planning Season
Year‑end tax opportunities, contribution decisions, and retirement prep all come together here.