David Koppe, CFP Financial Advisor

08/27/2026

For many business owners, the business represents much more than an asset. It's part of their family's legacy.

One of the biggest estate planning challenges is determining how to transfer a business to a family member while preserving its value and minimizing tax implications.

In some situations, life insurance can play a role in a corporate estate transfer strategy, helping create liquidity and support a more tax-efficient transfer of wealth.

As an advisor, I help my clients plan what comes next–for their business and their family’s next generation. If you're thinking about the future of your business, let's connect and explore your options.

Edward Jones, its employees and Edward Jones advisors are not estate planners and cannot provide tax or legal advice. Please consult appropriate tax, legal and insurance professionals regarding your circumstances.

Life insurance can play a powerful role your estate planning, helping you to secure your family’s financial future.

08/25/2026

For many Government of Canada employees, choosing between staying in a defined benefit pension and taking the commuted value is one of the most consequential financial decisions you’ll face as you approach retirement or a career transition.

There’s no universal answer. Your health, tax position, risk tolerance, estate goals, and the specific details of the federal public service pension plan all play a critical role in determining the right path forward.

I’ve outlined some key factors that should guide this decision. Understanding how each one applies to your circumstances is essential to making a confident, well informed choice.

If this decision is on your horizon, I work with federal government employees to evaluate their options and align pension decisions with their long term retirement vision.

Feel free to reach out for a personalized conversation.

08/22/2026

Upward pressure on global long-term bond yields weighed on investor sentiment, sending stocks lower last week.

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

08/20/2026

You’ve spent decades building your defined benefit pension — it’s a big part of your retirement story.

Understanding your options is the first step toward making confident decisions about what comes next.

This guide is designed for federal employees, and others who are weighing an important choice: staying in their pension plan or transferring the commuted value. There’s no one size fits all answer — only what’s right for your situation.

If this decision is on your horizon, let’s talk it through. I specialize in helping government employees make sense of their pension options and plan a smooth transition into retirement.

Message me to start a conversation about your retirement planning.

08/18/2026

This September, our Edward Jones community is coming together for the 3rd Annual Edward Jones Golf Tournament in support of the Terry Fox Foundation.

It takes place on Monday, September 14th, 2026 — across two locations for the very first time: Lionhead Golf Course in Brampton, Ontario and The Wilds in Holyrood, Newfoundland.

Two tournaments. One day. One goal: to raise funds for cancer research for the Terry Fox Foundation.

So proud to be part of an organization that turns community, compassion and purpose into action.

08/15/2026

Inflation has displayed an encouraging trend.

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

08/13/2026

What's new on your 2026 annual cost report?

New regulatory requirements are enhancing what appears on your 2026 annual cost report, and the result is a more complete, transparent view of your investment costs.

You will see three key enhancements:

• Investment fund costs, now visible. Costs built into many common investments like mutual funds and ETFs, including management fees, trading within the fund, and operations, will now appear in your report as both percentages and dollar amounts.

• Fund Expense Ratio (FER), a complete view. FER combines a fund's Management Expense Ratio (MER) and Trading Expense Ratio (TER) into one number, giving you the complete annual cost of each fund you own.

• Total Investment Costs, the complete picture. Your report will now sum fund costs, transaction costs, and operating costs into one clear total, capturing your full cost of investing with Edward Jones for the year.

These enhancements show the total cost of owning many common investments.

If you have any questions, please schedule an appointment with me to review your report together.

Starting in January 2027, your 2026 annual costs report will be enhanced to offer a clearer picture of what you pay to invest.

08/12/2026

Tax season is done. Your returns are filed. Now what?

Tracey McLennan of Edward Jones highlights a common challenge for business owners: tax season often focuses on this year's deductions and results, while the bigger picture can be overlooked.

Now is the best time to sit down with your financial advisor, align your personal and business plans, and ask the bigger questions including who else should be part of that conversation (a spouse, your kids, your senior managers).

Every business owner's situation is different. Your plan should be too.

Moneris blog videoswww.edwardjones.ca/ca-en

08/11/2026

🏡Many Canadian homeowners assume that the principal residence exemption only applies to a traditional family home. But the home doesn’t have to be a house or condo.

The exemption generally allows homeowners to sell their principal residence without paying tax on the increase in its value.

Depending on the circumstances, the exemption could apply to a cottage, mobile home, trailer or even a houseboat.

📍 To qualify, the property must generally be owned by you and ordinarily inhabited by you, your spouse or common-law partner during the year.

Understanding what qualifies as a principal residence is an important step in making the most of this valuable tax exemption.

Wondering how the rules apply to your property? Let's connect.

Edward Jones, its employees and Edward Jones advisors cannot provide tax or legal advice. Consult qualified tax and legal professionals regarding your specific situation.

08/11/2026

A great financial plan doesn't happen in isolation.

In this clip, Tracey McLennan Edward Jones breaks down why the team you surround yourself with matters so much; a financial advisor, a tax advisor, and a legal advisor, all working in sync.

A key role your financial planner plays is making sure all those pieces connect. Short-term trade-offs. Long-term goals. Freedom, flexibility, legacy, whatever your business is meant to enable.

That's when the real planning begins.

Moneris blog videoswww.edwardjones.ca/ca-en