Edward Jones - Financial Advisor: Colin Duggan

10/01/2026

What a great birthday lunch with the best team in the biz. Thank you so much Lina S Green Joel King Sue Dominato Jen Desjarlais for a fantastic lunch at an incredible restaurant, with arguably one of the best burgers I’ve had in a long time.

09/26/2026

Global interest rates continue to rise, with a sharp sell-off in U.S. Treasuries last week lifting bond yields to new 20-year highs while Canadian government bonds are near their 2023 post-pandemic peak.

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

09/21/2026

Did you know dividends from Canadian companies can qualify for preferential tax treatment through the dividend tax credit depending on your individual circumstances? That's different from foreign dividends, which are generally taxed as ordinary income and may not qualify for the same tax credit treatment. It's an important distinction that can shape your overall tax picture.

As part of our tax planning strategies webinar series, we're breaking down practical insights like these, because smart financial planning matters all year long, not just at tax time. I can work with your tax professional to help make sense of what this means for your specific situation. Let's connect.

Edward Jones, its employees and financial advisors, do not provide tax or legal advice. Consult a qualified tax or legal professional regarding your personal situation. This content is for informational purposes only.

09/19/2026

The Federal Reserve raised the fed funds target range by 25 basis points, or 0.25%, to 3.75%-4.00%, as widely expected.

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

09/16/2026

In a recent survey conducted by Edward Jones Canada, low income, high costs, and existing debt emerged as the top barriers preventing Canadians from saving for retirement.

The data reveals:

• 42% of Canadians report financial challenges as their single biggest barrier, up from 39% last year
• Only 24% say they face no barriers and feel on track for retirement
• Just 9% of those aged 18-34 report feeling barrier-free
• Only 15% of those aged 35-54 feel on track
• Meanwhile, 45% of Canadians aged 55+ say they face no barriers

These pressures are real, and they require a thoughtful approach to financial planning. The goal isn't to ignore current obligations, it's to build a strategy that balances today's needs with tomorrow's goals.

This starts with understanding your complete financial picture: where you are today, what's influencing your resources, and what trade-offs may be appropriate for your situation.

Small, consistent contributions can compound meaningfully over time when they're part of a structured plan. And as your circumstances evolve, whether through career growth, debt reduction, or changing expenses, your strategy can be adjusted to keep you moving forward.

Financial pressure doesn't mean retirement planning has to wait. It means having a realistic, personalized strategy becomes even more important.

If retirement planning feels uncertain, let's start a conversation about building a strategy that makes sense for your unique situation.

Edward Jones Canada survey finds RRSP contribution intentions remain steady, despite feelings of confusion and uncertainty

09/14/2026

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.

09/12/2026

Oil prices briefly topped $100 a barrel as unresolved Middle East tensions kept energy markets on edge.

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

09/09/2026

Withdrawing from a U.S. retirement account?

Non-U.S. persons who do not hold a green card may face up to 30% withholding tax on IRA, 401(k), and 403(b) withdrawals, potentially reduced to 15% under the Canada-U.S. tax treaty.

Foreign tax credits may reduce the risk of double taxation.. Without proper coordination between your financial advisor and your qualified tax professional, you could end up paying more tax than necessary.

Before you withdraw, let's discuss your goals and work with your qualified tax professional to understand the potential implications.

Edward Jones, its employees and Edward Jones advisors are not estate planners and cannot provide tax or legal advice.

If you're a Canadian who has worked in the U.S. and returned to Canada with a foreign retirement account, learn more about some of your options for your retirement plan accounts.

09/07/2026

Business owners have unique income splitting opportunities - but they also come with strict rules and conditions.

Family members who actively work in your business may be eligible to earn a salary or dividends, potentially spreading income across lower tax brackets. However, Tax on Split Income (TOSI) rules impose complex requirements that must be carefully followed to avoid punitive taxation.

I work alongside your qualified tax or legal professional to help you evaluate income splitting strategies that comply with TOSI regulations. Reach out to discuss your business structure.

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

09/06/2026

From our Edward Jones family we would like to wish all of our hard working families a Happy Labour Day weekend.
It’s a great time to kick back and enjoy some family time, whether you’re having a BBQ, campfire or some family board games and great conversation.