Edward Jones Financial Advisor: Tammy Scuralli

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.

06/05/2026

Open conversations about family finances can bring clarity and help everyone feel more confident about the future.

A structured family meeting is a great place to start. As your financial advisor and in partnership with our Client Consultation Group and Family Enterprise Advisors, I can help you prepare and guide the conversation so it’s productive and meaningful.

Reach out to book a meeting and start planning together.

Every family in Canada has its own structure, shared circumstances, memories, conflicts, beliefs and values that shape how they work and communicate to get things done. Strong family communication can help address concerns about providing support for loved ones and help establish financial security....

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 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.

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.

05/29/2026

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)

05/28/2026

If you’re preparing to use your Registered Education Savings Plan (RESP) for post‑secondary costs, understanding the different types of withdrawals is essential.

What seems like one pool of savings is viewed by the Canada Revenue Agency as three separate components, each treated differently for tax purposes. Knowing how they work can help you plan withdrawals in a way that maximizes funding and minimizes tax.

If you’d like support building a withdrawal strategy, I’m here to help.

Reach out to book a meeting.

Understand RESP withdrawal rules and limits. Learn about EAPs, tax implications, and strategies to maximize education savings.www.edwardjones.ca/ca-en

05/27/2026

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

05/26/2026

In a recent survey conducted by Edward Jones Canada, only 53% of Canadians feel confident understanding what happens when an RRSP matures, and that gap is even wider among younger Canadians, with just 36% of those aged 18-34 reporting confidence.

Knowledge confidence levels vary by topic:

• 66% were confident in having knowledge of the annual contribution deadline (highest confidence)
• 56% understand the value of tax deductions
• 55% grasp tax implications of withdrawing funds
• 53% were confident in what happens when RRSP matures
• Only 37% were confident in the Home Buyers' Plan (HBP)
• Just 28% were confident in the Lifelong Learning Plan (LLP), the lowest across all topics

RRSPs are powerful tools within a comprehensive retirement strategy, but they're just one component of the broader picture. Understanding contribution deadlines, the implications of early withdrawals, and how an RRSP fits alongside other registered accounts like TFSAs is also important.

If retirement planning feels uncertain, let's start a conversation about building a strategy that makes sense for your unique situation.

Edward Jones Canada survey finds RRSP contribution intentions remain steady, despite feelings of confusion and uncertainty