Robert Lamont - DFSIN

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Robert Lamont - DFSIN I help families gain peace of mind by protecting what matters and investing wisely.

With insurance and segregated fund solutions tailored to your needs, we’ll build a financial plan that works for your life — today and tomorrow.

10/09/2026

Here's something worth thinking about:

If you bought life insurance 10 or 15 years ago, is it still protecting the life you have today?

Maybe back then you had a smaller mortgage.

Maybe you had one child instead of three.

Maybe your income was considerably lower.

Or maybe the opposite is true, the kids are grown, the mortgage is almost gone and your needs have actually decreased.

Life insurance shouldn't necessarily be something you buy once and forget about for 30 years.

As life changes, it's worth occasionally asking whether your coverage still matches the reason you bought it in the first place.

10/07/2026

One financial decision I think is becoming harder for parents is knowing how much to help their adult children.

Help with a down payment?

Pay off some debt?

Help with a wedding?

Put money away for the grandchildren?

There’s nothing wrong with wanting to give your kids a head start.

But there’s an important question parents sometimes forget to ask:

Can I afford to help them without putting my own retirement at risk?

You can borrow for a house.

You can borrow for school.

You can't borrow for retirement.

Helping your children and protecting your own future don't have to be one or the other, but they should be looked at together.

10/05/2026

Something I still hear quite often is:

“I have a TFSA at the bank.”

Great, but what is actually inside it?

The name “Tax-Free Savings Account” can be a little misleading because a TFSA isn't really an investment itself. It's an account that can hold different types of investments.

And that distinction can matter.

If money you're putting away for the long term is simply sitting in cash earning very little, you may not be getting the full benefit of the TFSA.

The right choice depends on what the money is for, when you'll need it and how comfortable you are with investment risk.

Sometimes understanding what you already own is just as important as deciding what to buy next.

10/02/2026

I hear people say things like, “I'd love to retire at 60.”

But what does retiring at 60 actually look like for you?

Is the mortgage paid off?

Are you travelling?

Spending more time with the kids and grandkids?

Maybe working a little because you WANT to, not because you have to?

I think sometimes we get so focused on a retirement age that we forget to think about the life we actually want when we get there.

So I'm curious...

If money wasn't the deciding factor, what would YOUR ideal retirement look like?

09/30/2026

As life goes on, we seem to collect a lot of different financial pieces.

Maybe you have a pension or RRSP through work, a TFSA, some life insurance, a mortgage, maybe some savings somewhere else.

But here's something I've been thinking about...

When was the last time you actually sat down and looked at ALL of it together?

Not just “Do I have an RRSP?” or “Do I have insurance?”

But... is everything I'm doing actually getting my family where we want to go?

If you had to rate how confident you feel about your finances today from 1–10, what number would you give yourself?

09/28/2026

You can be making decent money and still wonder where it all went at the end of the month.

Mortgage, groceries, kids, vehicles, bills… and then somewhere in there you're supposed to be saving for the future too.

I think a lot of families are feeling that right now.

Sometimes the first step isn't finding another investment. It's simply sitting down, looking at where everything is going and deciding what you want your money to start doing for you.

If you had an extra $500 left over every month, what would be your first priority — paying down debt, saving it, or just having a little more breathing room?

09/25/2026

I've noticed that retirement means something different to everyone.

For some people, retirement means never working again.

For others, it means working because they want to, not because they have to.

And for some, it means spending more time with family, travelling, or finally tackling projects they've put off for years.

Here's my question:

If work became optional tomorrow, what would you do with your time?

I'd love to hear some answers.

09/23/2026

A question I've been asking people lately:

When you were 25, what did you think financial success would look like by age 50?

Then compare that to where you are today.

For many families, the mortgage is manageable, careers are established, and the kids are getting older.

But something interesting happens...

The financial decisions become bigger.

Helping children.

Supporting aging parents.

Preparing for retirement.

Managing taxes.

Protecting what you've built.

What financial goal is most important to you over the next 5 years?

09/22/2026

One thing I've noticed from talking with young families lately:

Most parents know exactly what they would do if their child got sick.

Most parents know exactly what they would do if their furnace broke.

Most parents know exactly what they would do if their vehicle needed repairs.

But many have never talked about what would happen financially if one parent couldn't work for six months.

Not because they don't care.

Life is busy.

Out of curiosity, if your household lost one income tomorrow, how long would things continue without making major changes?

A month?

Six months?

A year?

I'd be interested to hear what people think.

09/11/2026

Let's have some fun heading into the weekend.

What's one financial decision you've made in the last five years that you're really glad you made?

Maybe paying off a loan.
Maybe starting to save.
Maybe buying a home.
Maybe simply creating a budget and sticking to it.

Sometimes the best financial decisions aren't the biggest ones—they're the ones that put us on a better path.

Share yours below.

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3990 Wildwood Drive, Unit 2
Windsor, ON
N8N0B6

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