Edward Jones - Financial Advisor: Dave Freeman

06/16/2026

Financial fulfillment reflects more than income and wealth.

That's the foundation of new 2026 research from Edward Jones and Gallup, spanning 2,117 Canadians. What they found, fulfillment shows up in four ways:

• Financial alignment and freedom
• More positive emotions
• Fewer negative emotions
• Financial confidence

Fulfillment isn't out of reach, but it takes purpose, a clear plan, and goals that reflect what matters to you. I'd love to be part of that conversation. Book a call with me today.

Source: Gallup & Edward Jones - Money and Meaning: Understanding Financial Fulfillment, 2026

06/13/2026

Tech is cooling, not breaking: The recent pullback in semiconductors reflects profit-taking after a “too far, too fast” rally, with improving breadth signaling a healthier market backdrop.

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

06/11/2026

Before you commit to helping your child financially with a home purchase, it's worth understanding how this decision might ripple through the rest of your financial picture.

1. Your retirement and savings: Large gifts or loans can influence your long-term savings or retirement goals. If you need to liquidate investments to provide a gift, there could be tax consequences you'll want to plan for.

2. Your credit and borrowing capacity: Co-signing affects your own credit and borrowing ability. It shows up on your credit report and could limit what you can access for your own needs or to help other children down the road.

3. Fairness across your family: If you have multiple children or a blended family, you'll also want to think through fairness considerations. How will you ensure equal treatment over time? What happens if you pass away before you're able to help all your children equally?

4. Documentation and protection: Regardless of which approach you take, clear documentation helps avoid family misunderstandings later. This is especially important if you're loaning money or if there's any possibility of a relationship breakdown in your child's future.

If you're considering helping your child buy a home, reach out. I can help you understand the full financial impact and help make sure this decision supports rather than compromises your own future.

Here’s what to consider

06/08/2026

Edward Jones Canada and Gallup just released (2026) national research on financial fulfillment in Canada, here’s what the data shows:

• Only 12% of Canadians are financially fulfilled
• 47% feel financially conflicted, feeling both gratitude and stress about money at
the same time
• 41% are in consistent financial stress

What stands out most: in an analysis controlling for net worth, age, and other factors, professional advisors were the only source of financial guidance with a positive association with financial fulfillment. Guidance from other sources including friends, family, personal internet research, news, social media, and AI had no or negative relationships with fulfillment.

If you're not sure your money is working toward what matters to you, that's worth a conversation. Reach out, I'd love to help you.

Source: Gallup & Edward Jones - Money and Meaning: Understanding Financial Fulfillment, 2026

06/06/2026

Last week's blowout U.S. payroll report underlined the improvement in the U.S. labour market this year, with hiring accelerating and broadening across sectors, signaling a more durable foundation for growth. Canadian employment data were also surprisingly strong, reversing some of the weakness in hiring this year.

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

06/05/2026

Ottawa's proposed national sovereign wealth fund, the Canada Strong Fund, is generating a lot of headlines. Before drawing any conclusions, it's worth pausing on what we actually know, and what we don't.

The details that matter most to investors are still undefined. Governance structures, safeguards against political influence, liquidity terms, lockup periods and realistic risk and return expectations have not been established. The fund's focus on areas where private capital hasn't stepped in suggests these investments may carry meaningful risk. And unlike Norway's sovereign wealth fund, which invests globally and excludes direct retail participation, the Canada Strong Fund would invest domestically and include a retail investor component. That's a significant distinction.

A strong financial plan doesn't react to headlines. It's built on quality investments, diversification and a long-term perspective grounded in your goals, your timeline and your comfort with risk. Those principles don't change because of a political announcement.

If you'd like to talk through what this means for your plan, reach out and let's talk.

Learn about what Canada's proposed Sovereign Wealth Fund means for your financial plan.

06/01/2026

Happy Pride Month! 🌈

This June, we celebrate love, authenticity, and the courage it takes to live as your true self.

Pride is about visibility, acceptance, and progress. It's about creating spaces where everyone feels safe to plan for the life they envision, whether that's marriage, family planning, retirement, or legacy building.

05/30/2026

Markets closed last week hopeful that a U.S.–Iran peace deal will finally help unwind the shock to global energy markets seen this year, with equities hitting new record highs and bonds rebounding.

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

05/29/2026

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.

05/25/2026

Old Age Security, or OAS, is an important part of retirement income for many Canadians, but how and when you receive it can vary.

Your eligibility is based on residency, not work history. Payment amounts can change over time and may be affected by when you start and how OAS fits with your other income sources.

Understanding these details can help you make more informed retirement decisions.

You asked – we answered! Here are the top 10 questions about Old Age Security (OAS)