Edward Jones - Financial Advisor: Allison McCullough

08/31/2026

⚽ What a great season!

We were proud to sponsor this amazing group of young athletes. Congratulations to the players and coaches on a fantastic season! 👏⚽

06/21/2026

I’m proud to support the Terrace Churches Food Bank by sponsoring a hole at Centennial’s annual golf scramble! A fun event for a great local cause.

05/06/2026

Every family has a unique vision for the future.

For some, it may involve travel and new experiences. For others, it could mean helping their children with major milestones like purchasing a home, or simply enjoying a comfortable retirement close to nature. No single approach is better than another—each reflects personal priorities and circumstances.

My role is to help develop a financial plan that aligns with those individual goals. Much like a tailored fitness program, a financial strategy should be built around your needs, values, and lifestyle—not a one-size-fits-all approach.

When a plan reflects what matters most to you, it can make the path forward feel more structured and easier to navigate.

If you’re interested in building a plan that aligns with your long-term objectives, feel free to connect.

250-635-8806

Or reach out to us through my website: https://www.edwardjones.ca/ca-en/financial-advisor/allison-mccullough?y_source=1_MjQzMTM2NDQtNzE1LWxvY2F0aW9uLndlYnNpdGU%3D

04/30/2026

Your values often become clearer when the right questions are asked.

In conversations with clients about their families, priorities, and goals, common themes naturally emerge. Some individuals prioritize enjoying the wealth they’ve built during their lifetime, while others focus on supporting loved ones or contributing to causes that matter to them. These perspectives are usually easy to identify.

Where the discussion becomes especially meaningful is in how those stated priorities align with the decisions being considered. At times, there can be a disconnect. Revisiting what matters most and using that as a guide for evaluating options can be an important part of the planning process.

In many cases, values and legacy considerations are central to a financial plan rather than secondary elements.

👉 Have you ever noticed a gap between your stated priorities and your financial decisions? If you would like to explore this further, consider connecting for a conversation.
250-635-8806

04/30/2026

I’m currently accepting a limited number of new clients for financial planning and investment management in Terrace, BC.

My focus is on helping individuals and families build strategies that align with their goals, time horizon, and overall financial situation. This may include areas such as cash flow planning, retirement projections, estate considerations, and portfolio construction, depending on each client’s needs.

If you’re considering professional guidance or would like a second opinion on your current approach, you’re welcome to reach out to arrange an initial conversation.

250-635-8806

Or reach out to us through my website: https://www.edwardjones.ca/ca-en/financial-advisor/allison-mccullough?y_source=1_MjQzMTM2NDQtNzE1LWxvY2F0aW9uLndlYnNpdGU%3D

03/18/2026

I’m incredibly grateful to share that I’ve earned my CFP® (Certified Financial Planner®) designation.

This journey has been both challenging and rewarding, strengthening my ability to support clients through all areas of their financial lives — from cash flow and debt management, retirement planning, investment planning, tax strategies, insurance and risk management, to estate planning.

I’m thankful for the encouragement and support from my family, friends, colleagues, and especially my clients who trust me to walk alongside them in their financial journeys.

This milestone isn’t an endpoint — it’s a commitment to continue learning, growing, and serving with even greater depth and care.

Thank you for being part of the journey.

— Allison

03/05/2026

Canadian women live approximately four years longer than men on average which creates important planning considerations. A longer lifespan means your retirement savings may need to support 30+ years of living expenses, rising healthcare needs, and the effects of inflation.

According to Statistics Canada, women are also more likely to experience severe disabilities and represent the largest share of long‑term‑care residents in Canada. That can mean higher long‑term‑care and medical costs throughout retirement.

What a 30+ year retirement requires:

• Sustainable income streams – Coordinating CPP, OAS, GIS (for lower-income retirees), private pensions, and investment withdrawals strategically. For context, while the maximum CPP benefit a Canadian can receive at age 65 is $1,507.65 in 2026, the average monthly payment in October 2025 was $803.76.

• Healthcare planning – Accounting for increasing medical needs over time and the possibility of long‑term‑care expenses.

• Inflation protection – Ensuring your purchasing power remains strong over several decades.

• Income optimization – Choosing when to take CPP or OAS and understanding the CPP child‑rearing provision if you took time off to raise children up to age 7, which may remove lower‑earning years from your calculation and potentially increase your benefit.

Keep in mind: any expenses beyond what government and employer pensions cover must come from your personal savings and investments. That’s why it’s essential to have a strategy that aligns your income sources with the reality of longer retirement timelines.

I work with clients to build retirement income plans that consider all available resources, from government benefits to investment portfolios.

Let's review your retirement income strategy to help ensure it's built to last as long as you need it to.

Throughout retirement, you'll continue to need financial strategies to make sure your money lasts.

02/26/2026

Planning the future of your business is just as important as building it.

A thoughtful succession plan can help protect your legacy, support your employees, and provide clarity for the next generation of leadership.

Whether you’re planning to transition the business within your family, sell to a partner, or explore other options, having a strategy in place early can make all the difference.

If you're thinking about your next chapter or want to prepare for what's ahead, I’m here to help you navigate each step.

📩 Reach out and let's get started.

Business succession planning protects your legacy and wealth, helps ensure a smooth transition, and prepares successors to carry forward what you’ve built.www.edwardjones.ca/ca-en

02/19/2026

Moving retirement funds across borders is more than a simple money transfer; it requires knowledge of tax treaties, potential penalties, and timing.

A personalized plan can help you avoid penalties and keep more of what you’ve earned.

Let’s connect to talk through considerations and next steps.

Edward Jones, its employees and financial advisors, cannot provide tax or legal advice. You should consult your lawyer or qualified tax advisor regarding your situation.

If you're a Canadian who has worked in the U.S. and returned to Canada with a foreign retirement account, learn more about some of your options for your retirement plan accounts.

02/12/2026

Many people think legacy planning happens after we’re gone, but what if you could see the joy, relief, excitement and gratitude your generosity brings right now?

Lifetime gifting is a powerful way to support loved ones in their building years. A thoughtful giving plan is about finding the right balance between your needs and your desire to support others.

Questions like, How much can I give without affecting my retirement? What’s the best way to gift tax efficiently? are common, and they’re worth exploring thoughtfully.

If these questions resonate with you, let’s connect. Your legacy can start today.

Reach out and let’s explore your options together.