Robert Lamont - DFSIN

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.

09/02/2026

The Biggest Financial Mistake Young Families Make

It's not buying too much coffee.

It's not taking one vacation.

It's delaying getting started.

I've seen families making average incomes build substantial savings simply because they started early and stayed consistent.

Small amounts invested regularly often beat waiting for the "perfect time."

08/31/2026

The Retirement Gap Nobody Talks About

Many families spend 20-30 years building wealth.

Then retirement arrives and suddenly the question changes from:

"How do I grow my money?"

to

"How do I make this last?"

The strategies that help build wealth aren't always the same strategies that help preserve it.

If you're within 10 years of retirement, what concerns you most?

08/26/2026

A Family Conversation

Many parents spend years building savings for their children.

Very few spend time explaining:

where the money is
how investments work
what happens if something happens to mom or dad

Financial planning isn't just about building wealth.

It's about preparing the next generation to manage it.

08/24/2026

The Financial Confidence Question

I ask most families a simple question:

"On a scale of 1–10, how confident do you feel about your financial future?"

Most people answer somewhere between 5 and 7.

What's interesting is that confidence usually has very little to do with income.

I've met families earning $60,000 who feel completely in control.

I've met families earning $200,000 who feel stressed every month.

Where would you rate yourself?

08/21/2026

When meeting with clients, I often ask a simple question:

"On a scale of 1 to 10, how confident do you feel about your financial future?"

Very few people answer 10.

Most people know there are things they could be doing differently or areas they'd like to understand better.

Financial planning isn't just about products and investments. It's about creating clarity and confidence around financial decisions.

If you had to rate your financial confidence today, what number would you choose?

08/19/2026

One of the most common misconceptions I hear is:

"I have a TFSA, so I'm maximizing it."

Having a TFSA and maximizing a TFSA are not the same thing.

A TFSA can be used for:

• Long-term investing
• Emergency savings
• Retirement income
• Saving for major purchases

The account itself is only a tool. The strategy behind it is what matters.

When was the last time you reviewed how your TFSA is being used?

08/17/2026

Most families don't have an income problem.

They have a cash flow problem.

I've met households earning strong incomes who still feel financial stress because they don't have a clear plan for where their money is going each month.

Before focusing on investment returns, consider these questions:

• Do you know exactly where your money goes each month?
• Do you have an emergency fund?
• Are high-interest debts being reduced?
• Are you saving consistently toward your goals?

Financial confidence isn't built overnight. It's built through small, consistent decisions.

What's the biggest challenge you see when it comes to managing cash flow?

08/14/2026

A lot of people believe they need to save hundreds of dollars every week before it's "worth it."

The truth?

Many successful financial plans start much smaller.

$25 a week.
$50 a week.
$100 a week.

The amount matters less than the habit.

The families who make progress financially aren't always the highest earners.

They're often the most consistent.

What's one financial goal your family is working toward right now?

08/12/2026

Here's a question that can make people uncomfortable:

If you couldn't work for the next 6 months, what would happen financially?

Would the mortgage still get paid?

Would the bills still get covered?

Would your savings be enough?

Most people insure their home, vehicle, and belongings.

Far fewer spend time thinking about protecting the income that makes everything else possible.

It's not a pleasant conversation.

But it's an important one.

Have you ever sat down and calculated how long your household could operate without your income?

08/10/2026

Most families don't get into financial trouble because of one massive mistake.

It's usually a series of small things.

The furnace breaks.
The vehicle needs repairs.
The kids need something unexpected.
A credit card balance starts creeping up.

None of these events are shocking.

They're normal parts of life.

The question is:

If your household faced a $2,500 surprise expense this month, how would you handle it?

Savings?
Credit card?
Line of credit?
Something else?

No judgment. Just an honest question.

Knowing the answer tells you a lot about your family's financial foundation.

Address

3990 Wildwood Drive, Unit 2
Windsor, ON
N8N0B6

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+15195512471

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