Matthew Bailey, Investment Advisor of RBC Dominion Securities Inc.

Matthew Bailey, Investment Advisor of RBC Dominion Securities Inc. I Partner With Loving Families To Find Clarity, Remove Stress, and Create Financial Confidence.

08/11/2026

Selling your business is an event.

Preparing for it is a process.

The owners with the most options are usually the ones who start preparing long before they need to sell.

Building a business that's worth owning, worth buying, and ready for the next chapter means thinking beyond the sale itself.

It means considering things like:

- Business quality and value creation.

- Ownership and tax structure.

- Personal financial independence.

- Exit and succession strategy.

- Owner readiness for what's next.

These are conversations every business owner should have.

The right answers are different for every owner.

Some plan to transition the business to family, others to management, employees, or a third party. Some may never sell at all.

The goal isn't to have all the answers today! It's to make decisions today that create more choices for tomorrow.

Those are some of my favorite conversations to have with business owners.

08/06/2026

One of the biggest communication mistakes I've made is trying to solve the problem too quickly.

More often than not, people aren't looking for advice.

They're looking to feel heard and understood.

Lately, I've been trying to remember three words:

Label. Listen. Lead.

Label - Help them feel heard and understood.

"It sounds like you're carrying a lot right now."

Listen - Give them space to think.

Resist the urge to fill the silence.

Lead - Ask how you can best support them.

"Are you looking to think this through together, or do you just need someone in your corner right now?"

If they invite your perspective, lead with curiosity, not answers.

"What's making this feel so difficult?"

The goal isn't to solve every problem....

It's to help someone feel heard, understood, and capable of finding their own way forward.

Bull markets usually last longer than bear markets. The best investment strategy is the one you can stick with! **Sourc...
08/05/2026

Bull markets usually last longer than bear markets.

The best investment strategy is the one you can stick with!

**Source: RBC GAM, Bloomberg. As of June 30, 2026. Reflects S&P 500 Index in USD. Bull market starts from lowest close reached after market has fallen 20% of more. Bear market starts from when the index closes at least 20% off its previous high.

08/04/2026

The value of a coach isn't telling you something you've never heard before.

It's helping you consistently do the things you already know matter.

That's why people hire trainers.

It's why business owners join peer groups.

It's why elite athletes hire multiple coaches and specialists.

It's why successful business owners work with a trusted team of advisors.

Good financial planning isn't a single decision.

It's hundreds of small decisions made consistently over decades.

Sometimes the greatest value an advisor brings is ensuring the important things actually get done.

07/30/2026

The conversation that business owners have with us is almost never about investments.

It's usually because life has become more complicated than it was before.

The conversations are usually about things like:

- Making sure the way they own their business has them structured for success.

- Building a business that's more valuable tomorrow than it is today.

- Protecting what they've spent years building.

- Knowing what "enough" looks like and how to turn their assets into the lifestyle they want.

- Making fewer expensive financial mistakes as the stakes get bigger.

The challenge usually isn't a lack of good advice...

Its that the advise is often siloed.

The greatest value often comes from making sure your accountant, lawyer, commercial banker, family enterprise advisor, and wealth advisor are all working together to help you achieve your family's goals.

Of course how investments are managed matters....

But that's rarely what brings them through the door.

They're looking for someone to help them connect the dots and give them confidence they're on the right track to achieving their business and personal goals.

07/29/2026

One of the biggest mistake I see is assuming the way you paid yourself five years ago is still the right way today.

That assumption may be costing you more than you realize.

For many business owners and incorporated professionals, the answer isn't salary or dividends.

Its the right blend at the right stage of your journey.

Early on, salary can be incredibly valuable because it creates RRSP contribution room.

An RRSP allows your investments to grow without paying tax each year, meaning more of your money stays invested and compounding over time.

As your corporate investment portfolio grows, the equation often changes.

Dividends can become more valuable for personal cash flow, tax efficiency, and making the most of corporate tax accounts such as RDTOH.

The key isn't salary or dividends.

It's recognizing that the right mix should align with your business and personal goals and as your wealth evolves.

That's why your compensation strategy shouldn't be put on autopilot.

It should be reviewed each year with your accountant and wealth advisor to make sure it still fits where you are today.

07/28/2026

What if inflation above 3% isn't temporary, but the new normal?

I found this conversation between macro strategist Jim Bianco and our Head of Fixed Income Strategy at RBC Dominion Securities, Louis Castillo, thought provoking and raised an important question.

Are we stress testing financial plans using more than just 2% inflation assumption?

If inflation averages closer to 3% over a longer period that can have a meaningful impact on retirement planning, investing, and preserving purchasing power over time.

Check out the link to watch the five minute clip below.

07/16/2026

Over the past five years, one retired couple has withdrawn roughly $750,000 from their investment portfolio.

Today, they have more money than when they retired.

Five years ago, the client’s portfolio was approximately $3.3 million.

Since then, they have been withdrawing roughly $150,000 a year to enjoy retirement, travel, and spend time with family.

Today, despite withdrawing roughly $750,000 over the past five years, their portfolio is approximately $4.6 million.

That’s not the outcome every retiree will experience, and it’s certainly not guaranteed.

But it is a powerful example of what can happen when decades of disciplined saving are paired with sustainable withdrawals and long-term investing.

That’s what good planning is really about…

The confidence to enjoy life and spend less time constantly wondering whether your money will last.

07/15/2026

How can I spend my nest egg guilt-free without getting crushed by taxes?

It's one of the most common questions we help retirees answer.

Tax planning is a tool, not the goal!

The goal isn't the lowest tax bill.

It's creating sustainable after-tax wealth that supports the life you want to live.

That starts by getting clear on what matters most to you.

Good planning gives you to confidence to enjoy what you've built while knowing what enough means to you.

07/14/2026

You can be enormously ambitious while still knowing what is enough.

The older I get, the more I notice that the happiest and freest people don't wait for the next milestone before enjoying the one they're living today.

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3100-201 Portage Avenue
Winnipeg, MB
R3B3K6

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