Edward Jones - Financial Advisor: Lucy Fei Zhuang

09/08/2026

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

09/07/2026

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.

09/06/2026

Income splitting can be a powerful way to help manage household taxes, but only if you know what does and doesn’t qualify.

Eligible pension income, CPP sharing, and spousal RRSPs offer legitimate splitting opportunities. OAS, foreign pensions, and most employment income don't qualify.

Understanding which income sources can be strategically allocated between spouses directly impacts your household tax liability.

I help couples explore income splitting opportunities that apply to their specific situation. Reach out to review your household income structure.

Income splitting is a strategy to level out income earned by spouses to reduce tax bills.

09/05/2026

Investors will be watching the September 16 Federal Reserve interest rate decision closely.

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

09/04/2026

When clients ask about the difference between investing and financial planning, I remind them that investing is just one piece of the puzzle.

Financial planning starts with your priorities — whether that’s retirement, education savings or protecting what you’ve built — and brings together taxes, timelines, risk and family needs to support those goals.

My role is to help align every part of your plan, so your investments truly reflect the life you want to build.

Reach out to book a meeting and let’s start planning with purpose.

09/03/2026

Your financial future deserves professional guidance and long-term commitment – in a way that fits into your busy life.

Get the attention you deserve for the long term, right here in your community.

09/02/2026

I’m proud to support the Terry Fox Foundation and their investment in innovative cancer research that saves lives.

This September 20, Team Edward Jones will be showing up at events across Canada.

Whether you run, walk, or cheer, every act of support brings us one step closer to our goal. Will you join us?

Contributing to a cause and participating in or volunteering for a charity or charitable event is a personal decision and completely voluntary.

Welcome to the Team Edward Jones page. In 2026, Team Edward Jones will grow the over $1.3 million we have raised over the last 5 years in support of the Terry Fox Foundation (TFF). This year, we...

09/01/2026

Many people think financial planning means picking investments, but investing is just one piece of a much bigger picture.

A real financial plan starts with your goals:

• Paying for your child's education
• Buying that dream cottage
• Retiring on your terms
• Leaving a legacy

Those goals are supported by a strategy where seven components work together:

✅ Financial management
✅ Asset management
✅ Tax considerations
✅ Retirement planning
✅ Risk management
✅ Estate planning
✅ Business planning

Alignment across these areas is what turns a strategy into a real plan.

Let’s talk about building a plan that puts you in control of your financial life.

08/31/2026

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

08/30/2026

Helping your child buy a home? There’s more than one financial strategy to consider.

Each approach can open the door to homeownership but could affect your finances in different ways.

The key is choosing a strategy that supports your child while staying true to your long-term financial goals.

✨Want more guidance on balancing family and finances? Reach out and let's talk.

Here’s what to consider