DLD Financial Group Ltd.

10/13/2026

A little Moab adventure for Dave. 🚵‍♂️🏜️

He recently traded meetings and spreadsheets for mountain bikes, red-rock trails, off-roading, and some seriously impressive scenery.

There was even a perfectly named pit stop at Dave’s Corner Market along the way. 😄

A great trip, good company, and plenty of adventure packed into a few days.

Here are a few highlights from Dave’s time away from the office.

10/08/2026

Family Trusts Explained: Living vs. Testamentary Trusts 🍁

Trusts can be useful estate-planning tools, but not all trusts work the same way.

In this video, Dave explains the difference between:
✅ Living (inter vivos) trusts, which are created during your lifetime
✅ Testamentary trusts, which are created through your will and take effect after death

Each structure can be used to manage and transfer assets, but the right approach depends on your family situation, estate goals, and the level of control or flexibility you want.

🎥 Watch the video to learn more.
https://youtube.com/shorts/Srs_3LY-9t8

📅 Want to review how trusts may fit into your estate plan? Book a meeting with Dave:
https://dldfinancialgroup.as.me/schedule/9dd7e895/appointment/92270827/calendar/3482441?appointmentTypeIds[]=92270827

Learn the key differences between living and testamentary trusts, i...

10/06/2026

Retiring Soon? Why Your RRSP May Need a Meltdown Plan 🍁
Waiting until 71 to start drawing from a large RRSP can sometimes create a bigger tax problem later.

In this video, Dave explains how an RRSP meltdown strategy may help certain retirees intentionally withdraw money earlier and manage taxable income over time.

✅ Why RRIF withdrawals can increase taxable income
✅ How RRIF income can affect OAS
✅ Why the years before 71 may create a tax-planning opportunity
✅ How earlier RRSP withdrawals may use lower tax brackets
✅ How CPP and OAS timing can affect the strategy

The goal isn’t to eliminate tax — it’s to manage when taxable income is recognized.

🎥 Watch the video to learn more.
https://youtu.be/Urx4DIoJQ3c

📅 Want to map out your RRSP withdrawal strategy? Book a meeting with Dave:
https://dldfinancialgroup.as.me/schedule/9dd7e895/appointment/92270827/calendar/3482441?appointmentTypeIds[]=92270827

Schedule a conversation: https://dldfinancialgroup.as.me/?appointme...

10/02/2026

How Could $100,000 of Retirement Income Produce a Much Lower Tax Bill? 🍁

The amount you withdraw in retirement is only part of the story.
Where that income comes from can make a major difference.
In this video, Dave explains how retirement income can come from a combination of:

✅ TFSA withdrawals
✅ RRIF income
✅ Capital gains
✅ Eligible dividends
✅ Pension income splitting
✅ CPP and OAS

Different income sources receive different tax treatment, which is why relying entirely on RRSP/RRIF withdrawals may not always produce the most tax-efficient result.

In certain illustrated situations, coordinating these sources can significantly reduce the effective tax rate — but the outcome depends on your province, household structure, accounts, and overall financial situation.

🎥 Watch the video to learn more.
https://youtu.be/LJg53Q75Weo

📅 Want to review how your retirement income could be structured? Book a meeting with Dave:
https://dldfinancialgroup.as.me/schedule/9dd7e895/appointment/92270827/calendar/3482441?appointmentTypeIds[]=92270827

09/28/2026

How the Wealthy Pull Money Out of Their Corporation More Tax-Efficiently 🍁

Many Canadian business owners build significant retained earnings inside their corporations.

The bigger planning question is what happens when you eventually want to use that money personally.

In this video, Dave explains how tools such as:
✅ The Capital Dividend Account
✅ Corporate class funds
✅ Return of capital
✅ Donating appreciated securities
✅ Tax-efficient retirement withdrawals

may work together as part of a broader corporate investment strategy.

He also reviews a Fidelity illustration involving a $2 million corporate portfolio, where two different investment structures produced materially different illustrated after-tax shareholder proceeds.

The right approach depends on the corporation, province, portfolio, and long-term goals.

🎥 Watch the video to learn more.
https://youtu.be/C68OyRQAlBM

📅 Want to review your corporate investment strategy? Book a meeting with Dave:
https://dldfinancialgroup.as.me/schedule/9dd7e895/appointment/92270827/calendar/3482441?appointmentTypeIds[]=92270827

Schedule a conversation: https://dldfinancialgroup.as.me/?appointme...

09/25/2026

7 Things Quietly Wealthy Retirees Do Differently 🍁

Some retirees live very well without having the largest investment portfolios.

What often makes the difference is how they approach spending, taxes, withdrawals, investing, and risk.

In this video, Dave shares seven habits that can help create a more confident retirement, including:

✅ Knowing your retirement numbers
✅ Coordinating CPP and OAS
✅ Planning RRSP, RRIF, and TFSA withdrawals
✅ Managing taxes throughout retirement
✅ Keeping investments diversified and straightforward
✅ Maintaining a cash buffer
✅ Stress-testing the plan for unexpected events

The retirees who feel the wealthiest are often the ones who understand what they can spend and how all the pieces of their plan work together.

🎥 Watch the video to learn more.
https://youtu.be/B0xBl2Tc6HU

📅 Want help building more clarity into your retirement plan? Book a meeting with Dave:
https://dldfinancialgroup.as.me/schedule/9dd7e895/appointment/92270827/calendar/3482441?appointmentTypeIds[]=92270827

Schedule a conversation: https://dldfinancialgroup.as.me/?appointme...

09/23/2026

Estate Planning: Avoiding Probate with Beneficiary Designations 🍁

Beneficiary designations can play an important role in how certain assets are transferred after death.

Depending on the account or policy, naming a beneficiary may allow assets to pass directly to that person rather than through the estate.

That can make the transfer process simpler — but outdated beneficiary information can create problems.

In this video, Dave explains why regularly reviewing your beneficiary designations should be part of your estate planning.

🎥 Watch the video to learn more.
https://youtube.com/shorts/yme-LVG-eQQ

📅 Want to review how your estate and financial planning work together? Book a meeting with Dave:
https://dldfinancialgroup.as.me/schedule/9dd7e895/appointment/92270827/calendar/3482441?appointmentTypeIds[]=92270827

Learn how beneficiary designations may allow certain assets to tran...

09/21/2026

How Much Do You Need in Your TFSA to Never Work Again? 🍁

The answer depends on much more than the balance in your account.

In this video, Dave explains why your retirement number should be based on after-tax income and actual spending, not simply a savings target.

He covers:

✅ Why TFSA withdrawals are generally tax-free
✅ Why an RRSP and TFSA with the same balance can produce very different retirement income
✅ How the 4% rule can help estimate a starting target
✅ How CPP and OAS fit into the picture
✅ Why withdrawal taxes matter
✅ How different accounts can work together in retirement

The goal isn’t to build the biggest account possible — it’s to understand how much income your savings can realistically provide.

🎥 Watch the video to learn more.
https://youtu.be/exv6Cg2GEbI

📅 Want help calculating your real retirement number? Book a meeting with Dave:
https://dldfinancialgroup.as.me/schedule/9dd7e895/appointment/92270827/calendar/3482441?appointmentTypeIds[]=92270827

Schedule a conversation: https://dldfinancialgroup.as.me/?appointme...

09/17/2026

Bank of Canada Rates: What Homeowners Should Be Thinking About 🍁

Kelly Ho from DLD Financial Group recently joined Global News Morning BC to discuss interest rates and what homeowners — particularly those with variable-rate mortgages — should be watching.

She explains the difference between variable mortgages where payments fluctuate and those with fixed payments, why trigger rates matter, and why having a contingency plan is important if rates move unexpectedly.

Kelly also discusses how homeowners can think about using savings from lower-rate periods — whether that means building an emergency cushion or paying down mortgage principal.

The Bank of Canada most recently held its policy rate at 2.25%.

🎥 Watch Kelly’s full Global News segment here:
https://dldfinancial.com/global-canadas-interest-rate-prediction/

09/15/2026

Constellation Explained: A Deeper Look at the Strategy 🍁

What actually sits underneath the investments in a Constellation portfolio?

In this conversation, Kelly Ho from DLD Financial Group joins Keyridge Asset Management to look under the hood of Constellation — including the thinking behind the strategy and what differentiates it from other market solutions.

🎥 Watch the full conversation here:
https://dldfinancial.com/video-constellation-explained/