Edward Jones - Financial Advisor: Joshua Orth

06/14/2026

One of the most helpful exercises families can do when budgeting is distinguishing between needs and wants. Your mortgage or rent, groceries, utilities, and transportation costs are essential. They keep your household running.

But wants aren't bad. Dining out, travel, and gifts for family and friends add meaning to life. The key is setting boundaries around them so they don't pull you off course from what's most important to you.

When you prioritize together as a family, you build healthier financial habits. Small adjustments in your discretionary spending can create meaningful savings over time without feeling like deprivation.

If you're looking to align your family's spending with your values and goals, let's talk. We can help you create a budget that reflects what matters most.

These considerations can help you get a handle on how you spend money each month.

06/12/2026

Before you commit to helping your child financially with a home purchase, it's worth understanding how this decision might ripple through the rest of your financial picture.

1. Your retirement and savings: Large gifts or loans can influence your long-term savings or retirement goals. If you need to liquidate investments to provide a gift, there could be tax consequences you'll want to plan for.

2. Your credit and borrowing capacity: Co-signing affects your own credit and borrowing ability. It shows up on your credit report and could limit what you can access for your own needs or to help other children down the road.

3. Fairness across your family: If you have multiple children or a blended family, you'll also want to think through fairness considerations. How will you ensure equal treatment over time? What happens if you pass away before you're able to help all your children equally?

4. Documentation and protection: Regardless of which approach you take, clear documentation helps avoid family misunderstandings later. This is especially important if you're loaning money or if there's any possibility of a relationship breakdown in your child's future.

If you're considering helping your child buy a home, reach out. I can help you understand the full financial impact and help make sure this decision supports rather than compromises your own future.

Here’s what to consider

06/10/2026

Most people think of budgeting as managing what's happening right now. But a balanced budget can help do something more important. It creates room for your future.

Finding that little "extra" each month can mean a lot as you move toward reaching your long-term financial goals, like retirement. When you free up even small amounts through smarter spending choices, that money can go toward education savings for your children, building an emergency fund, or contributing more to retirement accounts.

This is where budgeting stops being about restriction and becomes about possibility. It's not just tracking expenses. It's making sure your daily financial decisions support the life you want to build over the next 10, 20, or 30 years.

If you'd like to understand how your day-to-day budget connects to your bigger financial picture, let's have a conversation. I can help you see a path from where you are today to where you want to go.

These considerations can help you get a handle on how you spend money each month.

06/08/2026

Old Age Security, or OAS, is an important part of retirement income for many Canadians, but how and when you receive it can vary.

Your eligibility is based on residency, not work history. Payment amounts can change over time and may be affected by when you start and how OAS fits with your other income sources.

Understanding these details can help you make more informed retirement decisions.

You asked – we answered! Here are the top 10 questions about Old Age Security (OAS)

06/06/2026

Markets experienced gain in April, bringing new life to diversified portfolios after a volatile first quarter. The broader backdrop has stayed constructive:

• Resilient economic activity in certain sectors
• Rising corporate profits
• Continued opportunity in energy, industrials, and materials for Canadian investors
• Longer-term bonds offering support as yields stabilize

Instead of trying to predict the exact peak of the market, our guidance focuses on a forward-looking approach built around two timelines: a longer-term strategy anchored to your goals, and a shorter-term, opportunistic view for timely adjustments with discipline.

If any of this raises questions, or you'd like to talk through what recent market shifts mean for your portfolio, please reach out. I'm here, and I'm happy to help.

Learn more about your portfolio’s performance, and check out our recommendations for disciplined investors.

06/04/2026

Geopolitical news can spark many questions from clients and investors. I’m sharing our Daily Market Snapshot to help bring a bit of perspective.

Our Investment Strategist breaks down the news of the day and what it might mean for markets. It’s a helpful reminder that staying focused on long-term goals can help keep your financial strategy on track, especially when the headlines feel overwhelming.

Have questions about what this means for your financial strategy? Connect with me anytime.

Stay up to date with latest developments, trends, and daily insights on the market. Get a comprehensive look at market movements, international updates, economic indicators, and our expert's analysis.

06/02/2026

Markets are showing us exactly why diversification matters.

While headlines focus on the S&P 500's pause, the real story is happening elsewhere:

• Canadian stocks up on the strength of energy and materials
• Overseas developed markets performing well, helped by expansionary fiscal and looser monetary policies
• Emerging market stocks continue to deliver gains on the back of its large tech sector
• Bonds delivered positive total returns as interest rates drifted lower, benefiting investors on both income and price appreciation.

This market rotation underscores a crucial principle: different sectors and regions lead at different times.

For clients navigating today's environment, I'm focused on three priorities:

1. Revisiting goals to ensure investments align with what matters most
2. Maintaining strategic diversification across asset classes and geographies
3. Viewing volatility as an opportunity to strengthen portfolios

The fundamental backdrop remains constructive with corporate earnings growth and steady economic momentum.

A disciplined, goal-focused strategy positions portfolios to weather uncertainty and capture opportunities as market leadership evolves.

Learn more about your portfolio’s performance, and check out our recommendations for disciplined investors.

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.

05/31/2026

Some clients hesitate to meet with an advisor because they worry financial planning is too complex or costly. In reality, working with an advisor can help you achieve more than you might on your own.

A trusted advisor can simplify the process, tailor strategies to your goals, and help you feel more confident about your future.

👉 Want to explore an approach that might work for you? Let’s start the conversation - no pressure, just planning.

05/30/2026

Honoured to be part of a Dementia Friendly community in Port Perry. Dementia touches so many families, and this is an important step in better supporting the clients and community I serve every day.