Edward Jones - Financial Advisor: Lucy Fei Zhuang

06/17/2026

Financial fulfillment reflects more than income and wealth.

That's the foundation of new 2026 research from Edward Jones and Gallup, spanning 2,117 Canadians. What they found, fulfillment shows up in four ways:

• Financial alignment and freedom
• More positive emotions
• Fewer negative emotions
• Financial confidence

Fulfillment isn't out of reach, but it takes purpose, a clear plan, and goals that reflect what matters to you. I'd love to be part of that conversation. Book a call with me today.

Source: Gallup & Edward Jones - Money and Meaning: Understanding Financial Fulfillment, 2026

06/16/2026

Research shows that Canadians who work with a financial advisor tend to feel more optimistic and less stressed about money.

That’s because financial planning brings purpose to your money. It’s about more than reducing stress; it’s having the freedom to pursue your passions, and the security to handle life’s uncertainties.

At Edward Jones, we start by looking at your full financial picture, from day-to-day decisions to long-term goals, and building a comprehensive plan that supports what matters most to you.

So how do you get there? Getting started may be easier than you think. Contact me to take the first step.

Investments are tools. A financial plan is the blueprint. Together, they help you build and experience the life you want.

06/15/2026

Beyond investing, financial planning is about building a fulfilled life.

It gives your money purpose by aligning it with your goals, your priorities, and your life. It looks at all areas of your financial life, helping you prepare for challenges like inflation, life changes and unexpected events. With a clear plan, decisions feel simpler and more manageable.

True financial fulfillment means having the freedom to pursue what matters to you, security for your family, and confidence about the future. Many people assume financial planning is complex or expensive, but it is often more accessible than expected.

Reach out to me to create a financial plan built around your life and goals.

Investments are tools. A financial plan is the blueprint. Together, they help you build and experience the life you want.

06/14/2026

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

Key factors behind the decision:

• Job seekers are unemployed longer with youth most impacted
• A temporary rise in inflation from higher oil and gas prices
• Ongoing risks from CUSMA negotiations and geopolitical uncertainty

If you have questions about how the Bank of Canada's latest rate decision impacts your financial plan, reach out. I'm happy to help.

06/13/2026

Financial planning is often misunderstood.

It is not a product, a one-time document, or simply choosing investments. Real financial planning is about designing a life you truly want to live and understanding how your money can support that.

The process starts with your goals, priorities, and values, not the markets. From there, financial planning brings together multiple components, including:

• Cash flow and day-to-day decisions
• Protection strategies
• Tax considerations
• Retirement planning
• Estate considerations
• Investments

Financial planning is ongoing and adaptive. It evolves as your life changes, helping you prepare for the future.

Reach out and I can help bring these pieces together in a thoughtful, coordinated way so your plan continues to reflect what matters most to you.

06/13/2026

Tech is cooling, not breaking: The recent pullback in semiconductors reflects profit-taking after a “too far, too fast” rally, with improving breadth signaling a healthier market backdrop.

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

06/12/2026

Planning to pass your cottage to the next generation? Many cottage owners assume leaving it in their will is enough, but there's a significant tax issue to address. When you pass away, your cottage is taxed as if you sold it. If it has appreciated substantially over the years, that creates a tax bill your heirs will need to cover.

Without proper planning, your family could face liquidity challenges, which in some cases may result in the need to sell the property.

The good news is there are four strategies to transfer cottage ownership:

• Make adult children joint owners: Deal with the capital gain now and have a tax-free transfer on death through joint tenancy with right of survivorship
• Set up a personal trust: Maintain control while sheltering future capital gains from tax for 21 years
• Buy permanent life insurance: Cover the projected tax bill with a joint last-to-die policy that pays when the second parent dies
• Designate the cottage as your principal residence: Benefit from the principal residence exemption if the cottage is appreciating faster than your other home

Each approach has unique benefits depending on your situation, timeline and family dynamics.

Let's discuss which strategy makes sense for your family's situation.

Edward Jones, its employees and financial advisors do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your personal situation. This content is for informational purposes only.

06/11/2026

Owning U.S. property as a Canadian comes with tax considerations that are easy to overlook. From time spent in the U.S. to rental income, estate taxes, and sale proceeds, there are multiple rules that can affect your overall financial picture. Understanding these key areas can help you avoid surprises and plan more confidently, whether you already own property or are considering buying.

👉 Reach out to me, and I can help you understand these tax considerations and work with cross border tax professionals to support informed decisions.

💡 Edward Jones, its employees and financial advisors do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your personal situation. This content is for informational purposes only.

Interested in snowbirding south? See the tax implications of purchasing or selling property in the U.S.

06/10/2026

Dreaming of a home in the U.S. for winter escapes? You’re not alone.

But when planning a property purchase south of the border, it’s critical to understand the potential tax implications:

• U.S. estate tax may apply over $60K USD
• Foreign property over $100K CAD? Reporting may be required in Canada
• Rental income may face a 30% withholding tax (or require U.S. filings)
• Selling? Up to 15% may be withheld on the proceeds
• Too much time in the U.S. could make you a tax resident

You can enjoy your winters in the sun, but knowing your tax obligations upfront can help you avoid costly surprises.

Before signing a purchase agreement, speak with a cross-border tax professional to understand how it fits into your overall financial plan.

Edward Jones, its employees and financial advisors do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your personal situation. This content is for informational purposes only.

06/09/2026

Asset location is an important part of building and maintaining a thoughtful financial strategy. It focuses on where investments are held across different account types and how those choices affect taxes over time with the goal of maximizing after-tax returns.

This approach does not change your goals, your asset allocation, or your risk level. Instead, it helps ensure your investments, accounts, and tax considerations are working together efficiently.

As your Edward Jones financial advisor, my role is to help you make informed, well-coordinated decisions and revisit them as your life and priorities evolve.

Where you hold your assets could have an impact on tax treatment.