Edward Jones-Financial Advisor: Jonathan Dobroskay

11/02/2026

Learning something new rarely happens in one big leap. It's usually built one step, one lesson and one good habit at a time.

The same can be said for building an emergency savings fund. It may start small, but having a financial safety net can help you navigate life's unexpected twists and turns with greater confidence.

Whether it's climbing a wall or working toward a financial goal, progress is often made one small step at a time.

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The Financial Fitness program is provided for informational and educational purposes only and should not be considered individualized financial, legal, tax or investment advice.

10/30/2026

When people hear the word "budget," they often think about restrictions.

I've always preferred to think about it a little differently.

A budget is really a tool that helps you decide what's most important.

More family experiences?
Building an emergency fund?
Helping your children in the future?
Retiring with greater confidence?

Every dollar has a job, and a budget can help ensure your spending today aligns with the life you're trying to build tomorrow.

I'm curious:

What financial goal are you currently prioritizing the most?

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10/28/2026

Most people spend time planning for retirement, but fewer spend time understanding what protections may already exist for their loved ones.

CPP survivor benefits can provide financial support to a surviving spouse, common-law partner, or eligible children, but the rules can be more complex than many people realize.

Understanding what benefits may be available, how they're calculated, and how they fit into your broader estate and retirement plan can help reduce uncertainty during a difficult time.

While nobody enjoys planning for life's "what ifs," having these conversations before they're needed can provide valuable clarity for the people you care about most.

If you've never reviewed how survivor benefits fit into your overall plan, it may be worth taking a closer look.

Learn more:

Here are three types of CPP benefits that are relevant at death.

10/26/2026

Life has a way of changing course when we least expect it.

Markets move. Priorities evolve. New opportunities and challenges appear along the way.

That's why I've always believed financial planning is about more than investments. It's about having a clear plan that helps keep your decisions aligned with what matters most.

The people who tend to feel most confident about their financial future aren't necessarily the ones with all the answers. They're often the ones who have a direction, review their plan regularly, and adapt as life changes.

Success isn't about predicting the future. It's about staying focused on your goals.

If you'd like to review whether your current plan still reflects your priorities, feel free to reach out.

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10/23/2026

When people think about leaving a legacy, the conversation often starts with assets.

But what about the things that can't be measured on a statement?

Values.
Life lessons.
Family traditions.
The stories behind the decisions you've made.

One of the key takeaways from this article is that many families place just as much importance on passing along memories and values as they do financial assets.

I'm curious:

When you think about your legacy, what's the most important thing you'd like to pass on to the next generation?

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Every family in Canada has its own structure, shared circumstances, memories, conflicts, beliefs and values that shape how they work and communicate to get things done. Strong family communication can help address concerns about providing support for loved ones and help establish financial security....

10/21/2026

One of the biggest surprises for some retirees is realizing that Old Age Security (OAS) doesn't operate on its own.

Your RRIF withdrawals, pension income, investment income, and even part-time work can all affect how much OAS you receive.

Once income reaches certain levels, OAS benefits may begin to be reduced through what's commonly known as the OAS clawback. That's why it's important to look at retirement income as a whole rather than focusing on one account or one source of income at a time.

In many cases, the conversation isn't about trying to avoid taxes entirely. It's about understanding how different income sources work together so you can make informed decisions and avoid unexpected surprises.

I've always believed retirement planning is about more than accumulating assets. It's about creating a strategy that supports the lifestyle you want while helping you navigate the decisions that come with retirement.

The more pieces you have, the more valuable it becomes to look at the big picture.

If you'd like to review how your retirement income sources fit together, feel free to reach out.

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Learn more:
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10/19/2026

The past few months have been a season of transition for our family, both personally and professionally.

This fall brought two significant milestones that I'm excited to share.

First, I completed the Certified Exit Planning Advisor (CEPA®) designation, expanding my ability to help business owners and families navigate major life transitions and align their financial decisions with what matters most.

Then, just days later, our family welcomed our second child into the world.

At first glance, those two events couldn't seem more different. One was a professional achievement, while the other was a deeply personal family milestone.

Yet both reinforced the same lesson.

Life is full of transitions. Some are planned. Some arrive with a little less sleep than expected.

Whether we're building careers, growing families, supporting loved ones, planning for retirement, or exploring what's next, life is constantly evolving. The decisions we make today shape the opportunities and experiences we enjoy tomorrow.

Completing the CEPA program deepened my appreciation for helping people navigate important transitions with intention and purpose. Becoming a father of two was a powerful reminder of why that work matters.

As our family adjusts to life as a family of four, I'm feeling grateful for both the professional opportunities and personal blessings that have come our way this year.

Life is a journey. Enjoy it.

10/19/2026

Life rarely follows a straight line.

Markets change. Tax rules evolve. Priorities shift. Major life events happen when we least expect them.

That's one reason I've always believed financial planning is about more than investments. It's about having a plan that can adapt as life changes and help keep you focused on what matters most.

Working toward long-term goals can feel much simpler when decisions are viewed within the context of a broader strategy rather than one decision at a time.

The people who tend to feel most confident about their financial future aren't necessarily the ones with all the answers. They're often the ones who have taken the time to build a plan, review it regularly, and make adjustments along the way.

Success isn't about predicting every outcome. It's about staying focused on your goals and making thoughtful decisions over time.

If you'd like to discuss whether your current plan still reflects your goals and priorities, feel free to reach out.

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Learn more:
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10/16/2026

When most people think about financial planning, they focus on saving, investing, and preparing for retirement.

But an equally important question is:

What are you trying to protect?

A thoughtful protection strategy can help support your family, your lifestyle, your business, and the goals you've worked hard to build. It can also help reduce the financial impact of unexpected events and keep long-term plans on track.

Insurance isn't a financial plan on its own. But when used thoughtfully, it can play an important role within one.

I'm curious:

When you think about financial protection, what matters most to you?

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10/14/2026

One of the biggest challenges investors face during market declines isn't the market itself. It's how we respond to it.

A stress-test analysis looked at how two retirement portfolios weathered the 2008 financial crisis. Both portfolios started with the same asset mix, but one continued to rebalance when markets declined while the other did not.

The difference wasn't about predicting markets. It was about maintaining a disciplined process during a difficult period.

The analysis highlighted an important lesson: when emotions are running high, having a plan and sticking to it can be just as important as the investments themselves.

That's one reason rebalancing can play such an important role in a long-term investment strategy. It helps keep a portfolio aligned with its intended objectives rather than allowing short-term market movements to drive decisions.

If you'd like to discuss how portfolio rebalancing fits into your overall strategy, feel free to reach out.

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