Joumaa-Johnson Financial Group Inc

Joumaa-Johnson Financial Group Inc Insurance & Investments
Disability & Life Insurance
Critical illness Insurance
planning & more Our goal? At Joumaa-Johnson Financial Group we work for you

Life is constantly changing, which is why you need a plan, and a pro-active advisor, that can adapt with your evolving needs and goals. We help you create a financial plan that adapts and changes as your life does. To improve your financial well-being and help you make decisions for today and tomorrow that allow you to embrace all of life’s possibilities. Our Joumaa-Johnson Financial Plan is a det

ailed financial plan that takes your entire life into account and is reviewed and updated regularly. We want to ensure that you have the financial resources to stay on track and meet all your goals. We also believe in building long-term relationships with clients so that we can help you and your family explore all your options at every stage of your life. Whatever your short or long-term financial goals – buying a home, paying for education, reaching your retirement goals or leaving a legacy – we will work with you to develop a tailored-to-you plan that covers all aspects of your financial life.

The Bank of Canada is holding its key interest rate at **2.25%**.For Canadians, that means some stability for now — whil...
09/02/2026

The Bank of Canada is holding its key interest rate at **2.25%**.

For Canadians, that means some stability for now — while the Bank continues to watch inflation and the economy closely.

Understanding what rate decisions mean for your financial plan matters.

An RRSP refund can feel like extra money — but it’s really about **when you pay the tax.**Understanding the difference b...
08/18/2026

An RRSP refund can feel like extra money — but it’s really about **when you pay the tax.**

Understanding the difference between **tax-deferred and tax-free** is an important part of financial literacy. 🇨🇦

A TFSA can be more than a place to hold cash.Understanding what you can hold inside it can help you make better use of t...
08/05/2026

A TFSA can be more than a place to hold cash.

Understanding what you can hold inside it can help you make better use of this Canadian savings and investing tool. 🇨🇦

One simple rule. One powerful lesson.The Rule of 72 is an easy way to estimate how long it may take for your money to do...
07/28/2026

One simple rule. One powerful lesson.

The Rule of 72 is an easy way to estimate how long it may take for your money to double.

Let's start talking about your Future

The products you need most are often placed at the back of the store.It's a simple strategy designed to expose you to mo...
07/21/2026

The products you need most are often placed at the back of the store.

It's a simple strategy designed to expose you to more products—and more buying opportunities.

Sometimes the biggest financial decisions are hidden in the smallest monthly payments.Always look at the total cost, not...
07/08/2026

Sometimes the biggest financial decisions are hidden in the smallest monthly payments.

Always look at the total cost, not just the monthly payment.

Happy Canada Day
07/01/2026

Happy Canada Day

Your bank balance doesn't tell you how much money you actually have.It only tells you how much cash is in your account t...
06/30/2026

Your bank balance doesn't tell you how much money you actually have.

It only tells you how much cash is in your account today.

To understand your financial picture, you need to know your net worth.

Net Worth = What You Own − What You Owe

For example:

Assets:
• Savings: $15,000
• Vehicle: $20,000
• Investments: $40,000

Total Assets = $75,000

Liabilities:
• Car loan: $8,000
• Credit card: $2,000

Total Liabilities = $10,000

Net Worth = $65,000

Your income can change.
Your bank balance changes almost every day.

But tracking your net worth over time is one of the best ways to measure your financial progress.

Don't focus only on what's in your bank account.

Focus on building your overall financial picture.

— Joumaa Johnson Financial

💡 What Does "Pay Yourself First" Actually Mean?Most people pay everyone else first.Mortgage.Rent.Utilities.Groceries.Sub...
06/23/2026

💡 What Does "Pay Yourself First" Actually Mean?

Most people pay everyone else first.

Mortgage.
Rent.
Utilities.
Groceries.
Subscriptions.

Then whatever is left over goes into savings.

The problem?

For many people, there isn't much left.

"Pay yourself first" means treating savings like a bill that must be paid.

Instead of saving what's left over, save first and spend what's left over.

Even setting aside 1–5% of your income can create a habit that grows over time.

The amount isn't what matters most.

Consistency is.

Small amounts saved regularly often outperform big savings goals that never get started.

**Saving money isn't about what's left over.**
It's about making yourself a priority.

— Joumaa Johnson Financial

The cheapest option isn't always the least expensive.Many people focus on price when making a purchase.But price and cos...
06/16/2026

The cheapest option isn't always the least expensive.

Many people focus on price when making a purchase.

But price and cost are not the same thing.

A $50 pair of shoes that lasts six months may end up costing more than a $150 pair that lasts five years.

The same principle applies to appliances, tools, vehicles, and even professional services.

Before making a purchase, ask yourself:

**"Am I buying based on price, or value?"**

Sometimes spending a little more upfront can save money, time, and frustration in the long run.

Smart financial decisions aren't always about spending less.

They're about getting the best value for your money.

— Joumaa Johnson Financial

Address

535 Yates Street
Victoria, BC
V8W2Z6

Opening Hours

Tuesday 8:30am - 8pm
Wednesday 8:30am - 8pm
Thursday 8:30am - 8pm
Friday 8:30am - 8pm
Saturday 8:30am - 8pm
Sunday 10am - 3pm

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