Mason Leite - Martin Christopher

04/15/2026

Ever come into a chunk of money and freeze up trying to figure out what to do with it? 💰
You're not alone. One of the most common questions I hear from clients: "Should I invest it all right away, or spread it out over time?"
The answer is genuinely nuanced — and The Wealthy Barber breaks it down really well in this short video.
Here's my take: the data actually favours investing all at once. The longer your money is in the market, the more it can grow. But — and this is a big but — if a market dip right after you invest would cause you to panic and sell? That wipes out any advantage.
The strategy that works best is the one you can stick with. For a lot of people, that means going in partway right away and easing the rest in over a couple of years.
Worth a watch if you've got a windfall, inheritance, or lump sum you're trying to figure out 👇
https://www.youtube.com/watch?v=fjlzmBLgiR4
Questions? Send me a message — happy to talk through your situation.

You’ve just come into some money! Woohoo! But now what? You want to invest it in equities for the long term, but do you put it all in immediately, or invest ...

11/19/2025

Thinking about retiring early? You’re not alone—but here’s the catch.
If you step away from work in your 40s or 50s, your money might need to last 30–40 years. That’s a long time! The good news? With the right plan, it’s possible.
Check out this article for practical tips on making your financial strategy work for you:
👉 https://mcadvisorgroup.ca/bulletins-2025-10-1/

In recent years, the F.I.R.E. movement—short for Financial Independence, Retire Early—has gained traction among Canadians looking to leave the workforce decades ahead of the traditional retirement age. While the dream of stepping away from work in your 40s or 50s is exciting, it also raises a bi...

10/08/2025

I would make the argument that long-term success with money often comes down to avoiding the wrong turns, not chasing the biggest wins.

It’s not always big spending — sometimes it’s the quiet, sneaky habits that drain your future.

We just shared a list of 9 common money-wasters that could be costing you more than you realize. A few of them might surprise you 👀
👉 https://mcadvisorgroup.ca/bulletins-2025-07-1/

Managing money isn’t always glamorous, but small missteps can quietly chip away at your nest egg. Avoid these nine wealth-killers, ranked from “minor leak” to “financial sinkhole.” 9. Chasing Loyalty Points We all love a deal, but loading up on loyalty points by spending more than you plan...

08/06/2025

💡 Just said "I do"? Now say yes to a solid financial game plan.

Start your future off strong — here’s what every newlywed couple should know:👉 https://mcadvisorgroup.ca/bulletins-2025-08-2/

John and Jane spent months planning their dream wedding—and a lot of money to make it happen. Now that the big day is behind them, it’s time to shift focus from flowers and guest lists to something just as important: their financial future. Here’s a quick and practical checklist for…

07/09/2025

🌟 Markets are hitting new highs — but should you change your plan?

It’s exciting to see strong performance, but it’s also a time when people start wondering if they need to “do something.”

The real question is:
Are your investments still aligned with your goals?

I’ve been having lots of conversations lately helping clients stay focused on their bigger picture — making smart, long-term decisions rather than chasing market moves.

Check out our latest article for some helpful perspective:
👉 https://mcadvisorgroup.ca/bulletins-2024-10-1/

If it’s been a while since you reviewed your investment strategy with an advisor, I’d be happy to help.

As Canadian and US stock market indexes hit new highs this year, many investors began expressing anxiety about a possible 'correction'. Financial media personalities have also been speculating about the timing of correction from these recent market highs - following a strong run over the past year.....

07/02/2025

💡 A smart withdrawal strategy can make a big difference in how long your savings last.

Lately, I’ve been working with clients to optimize RRSP withdrawals — helping them avoid unnecessary taxes and keep more of their hard-earned savings. The right approach can mean tens of thousands of dollars saved over time.

Our latest bulletin shares timely strategies worth considering:
👉 https://mcadvisorgroup.ca/bulletins-2025-07-3/

📲 If you’re thinking about how to make the most of your retirement savings, I’m happy to help review your plan.

05/08/2025

Feeling uneasy about the markets lately? You’re not alone.
I’ve had a lot of chats recently with people who are anxious about where things are headed financially. If that sounds like you, I get it—and I’ve been sharing this resource with clients to help them stay grounded during uncertain times.
Check it out here: 👉 https://mcadvisorgroup.ca/bulletins-2025-03-1
Let me know if you'd like to chat through your situation—I'm here to help.

With all the media talk about US / Canada trade tensions these days it’s a good time to discuss some wise strategies for times of economic uncertainty. Whether you're still saving for retirement or already enjoying it, negative economic news can shake confidence. The good news? A solid plan can…

03/26/2025

Tax season is here, and even small mistakes can lead to penalties, delays, or missed savings! 🚨 Don't let common filing errors cost you—check out this article on the Top 10 Tax Filing Mistakes to Avoid and make sure you're on the right track. Whether it’s unreported income, missed deductions, or RRSP contribution limits, staying informed can help you maximize your return and avoid headaches. Read more here: https://mcadvisorgroup.ca/bulletins-2025-04-1/

Filing taxes isn’t exactly fun, but making mistakes can turn an already frustrating process into an expensive one. The last thing you want is to deal with penalties, delays, or an unexpected audit. So, let’s go over the top 10 tax filing mistakes and how to avoid them. 1. Missing…

03/05/2025

Having your investment allocations match your time horizon is so important, especially in times where there is volatility in the stock market (like now!). It is important to have your investments set up appropriate to your situation before volatility happens!

It is not uncommon for an individual or organization, such as a charity or community tennis club, to consult a financial advisor regarding investment returns that can be generated on some spare cash that is not needed in the immediate future. As a result, the issue of investment “time horizon”.....

10/02/2024

Speaking with retirees there seems to be a misconception of what "Safety" is when investing. People don't tend to consider the fact that running out of money during your lifetime is a key risk and by earning low returns on "guaranteed" investments dramatically increases this risk. Costs of living continue to increase, and it is important to achieve a balance of low risk investing and still earning enough to maintain your standard of living throughout retirement!

Aug 12 2024 As John nears retirement, he is becoming concerned about covering his future living costs with income from only interest-bearing investments. Along with many other investors globally who have poured trillions of dollars into government bonds over the past decade, John wants to feel safe....

09/25/2024

One of the topics that I find most people have the most misunderstandings about is education savings for their children. RESP's can be a great tool but are complex - meaning they also have lots of flexibility if used right! Here we posted an article sharing some of the considerations and benefits you can get from an RESP account.

Aug 12 2024 A new baby in the family brings many hopes, dreams and expectations. This can often include thoughts about how their lives can be better than that of their parents. And that often includes hopes about careers and the education that goes with them. It is also the time to start planning ho...