Edward Jones-Financial Advisor: Jonathan Dobroskay

09/07/2026

Happy Labour Day!

At some point, most of us dreamed about operating the big equipment.
Some of us never outgrow that dream and find ourselves making great careers out of it.
While this version may be a little smaller, it serves as a good reminder of something important: big things are often built one small step at a time.

The same is true with financial planning. Most long-term goals aren't achieved through one perfect decision. They're built through consistent saving, thoughtful planning, and years of small actions adding up over time.

Whether you're building a career, a business, a retirement plan, or opportunities for the next generation, progress usually comes from showing up day after day and continuing to move forward.

It's worth taking a moment to appreciate how far you've come and what you're continuing to build.
Here's to the value of hard work and the opportunities it creates.

09/05/2026

One of the most common surprises people discover when we review their finances is where their money is actually going each month.

Not because they're doing anything wrong. Life gets busy, habits form, subscriptions renew, and small expenses can quietly add up over time.

Before making changes, the first step is simply understanding the full picture.

How much is going toward necessities?
How much is supporting your long-term goals?
How much is being spent on the things that bring enjoyment to your life and family?

There's no judgment in that process. In fact, some spending is exactly where it should be.

The goal isn't to eliminate the things you enjoy. It's to make sure your spending aligns with what's most important to you and the life you're working hard to build.

When you have clarity, it's often easier to make confident financial decisions and reduce some of the stress that comes from uncertainty.

Life is a journey, enjoy it.

If you'd like help understanding where your money is going and whether it aligns with your goals, I'd be happy to have a conversation.

📞 250-768-8218

Learn more:
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09/03/2026

One of the biggest mistakes I see people make is underestimating the value of time.

When it comes to investing, the most powerful ingredient often isn't finding the perfect investment. It's giving your money time to grow.

The concept is simple: when investment growth stays invested, it has the opportunity to generate growth of its own. Over years and decades, that compounding effect can become surprisingly powerful.

It's one of the reasons why starting early, staying consistent, and avoiding the temptation to constantly make changes can be so important. The longer your plan has to work, the more opportunities compounding has to do the heavy lifting.

You don't need to be perfect. You just need to get started and stay committed to the process.

Life is a journey, enjoy it.

If you'd like to better understand how compounding could fit into your long-term goals, I'd be happy to have a conversation.

📞 250-768-8218

Learn more:
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09/01/2026

When people think about retirement planning, they often focus on a number.

How much do I need?

But in my experience, the better questions are:

What do I want retirement to look like?
How do I want to spend my time?
What experiences matter most?
What responsibilities will I still have to family, children, or aging parents?

Retirement isn't just about deciding when to stop working. It's about building a plan that supports the life you want to live before and during retirement.

That includes everything from saving and investing to healthcare considerations, income planning, and making sure your goals and values remain at the center of the conversation.

The good news is that you don't need all the answers today. Taking small, intentional steps now can help create clarity and confidence for the years ahead.

Life is a journey, enjoy it.

If you'd like to discuss whether your retirement plan still reflects the life you want to live, I'd be happy to have a conversation.

📞 250-768-8218

Learn more:
https://bit.ly/46zw3OZ

08/31/2026

This weekend was all about preparing for winter.

We headed out for some dog training and came home with a trailer full of firewood.
Around our place, heat doesn't just show up when the weather gets cold. It takes planning, effort, and a willingness to do some work long before the first snowfall arrives.

One of the things I've enjoyed most about becoming a dad is watching Noah learn those lessons alongside us. This weekend he got to help with the dogs, explore the woods, ride in the truck, and watch Dad work with the chainsaw. It doesn't get much better than that in his books.

Many of the best things in life work the same way. Whether it's heating your home, training a dog, or building a financial plan, the work you put in today often pays off months or years down the road.

Most people don't think about winter when it's still warm outside. But that's usually the best time to prepare for it.

For now, we've got a trailer full of wood, some tired dogs, and one happy little helper.
Enjoy the journey, not just the destination.

08/29/2026

One of the most common misconceptions I see in estate planning is that treating children fairly always means treating them equally.

In reality, every family is different.

One child may have a strong connection to the family cottage. Another may be involved in the family business or farm. Sometimes the assets people care most about aren't easy to divide into equal pieces.

That's where thoughtful planning can make a big difference.

With the right strategy, families may be able to preserve important assets while still ensuring everyone is treated fairly. In some situations, tools such as life insurance can help create flexibility and provide options that might not otherwise exist.

The goal is rarely just about dividing assets. It's about protecting family relationships, respecting individual circumstances, and helping your wishes carry forward the way you intended.

Life is a journey, enjoy it. Good planning can help ensure the things you've worked hard to build continue supporting the people you care about most.

Learn more:
https://bit.ly/4cgzIVc

Call : 250-768-8218

Edward Jones, its employees and financial advisors are not estate planners and cannot provide tax or legal advice. Please consult appropriate tax, legal and insurance professionals regarding your circumstances.

08/28/2026

Our colleague Julie Petrera, Director of Financial Planning at Edward Jones Canada, recently spoke with The Canadian Press about the RESP withdrawal mistakes families make as the school year approaches.

Why does this matter to us? Because RESPs are one of the most important tools Canadian families use to invest in their children's education, and the decisions around withdrawals can have a real impact on taxes, growth, and whether the money is there when it's needed.

We share our insights with credible media because we want to meet families where they are — with topical, practical guidance they can trust. Articles like this one help us extend our reach beyond our offices and into the homes of families across Canada who are navigating these moments for the first time.

Have a look, and if you're working through an RESP withdrawal, let's talk.

As the school year approaches, families across the country are getting ready to tap into their registered education savings plans.

08/28/2026

A new school year is just around the corner, and for many families that means it's time to start drawing from an RESP.

Julie Petrera, our Director of Financial Planning at Edward Jones Canada, shared some helpful perspective in The Canadian Press on the mistakes to avoid — like taking from the wrong portion of the account first, or leaving too much invested in equities too close to withdrawal time.

We work with media to share insights like these because the families we serve are asking these same questions every day. By contributing to credible publications, we help bring timely, trustworthy guidance to clients and families across Canada — not just in our own communities, but wherever these conversations are happening.

If education planning is on your mind, reach out. We're here to help.

As the school year approaches, families across the country are getting ready to tap into their registered education savings plans.

08/27/2026

Keeping up with the markets takes time, research, and ongoing attention.

Most mutual funds give you access to professional investment expertise. Experienced portfolio managers actively manage the fund by researching opportunities, adjusting the portfolio as markets change, and making investment decisions on your behalf.

You also have the confidence of knowing exactly what you own, with fund holdings available through regular reporting and the fund's prospectus.

Ready to put professional management to work for your long-term goals? Call me to set up an appointment and let's get started.