From Financial & Associates

From Financial & Associates We are a family financial planning team who enjoy working with other families to help them discover

A story out of Nova Scotia highlighted something many families do not realize until it becomes a problem: registered acc...
05/28/2026

A story out of Nova Scotia highlighted something many families do not realize until it becomes a problem: registered accounts like RRSPs can pass outside of a will even if the beneficiary designations are outdated.

In this case, an old RRSP beneficiary designation redirected access to approximately $685,000 after an unexpected death, despite the family believing their estate plans had been properly handled.

Situations like this are a reminder that financial planning is about much more than investment performance. A financial plan should evolve alongside major life changes like marriage, children, business ownership, retirement, or divorce. Otherwise, important details can quietly become outdated over time.

One of the most valuable parts of working with a financial advisor is having someone regularly review the areas people rarely think about until life changes unexpectedly.
Reach out to our team and schedule a review.

Most people begin investing with information they find online, through social media, or from conversations with friends ...
05/27/2026

Most people begin investing with information they find online, through social media, or from conversations with friends and family, but long-term financial planning becomes much more personal over time.

Managing emotions during market volatility, preparing for retirement, planning for taxes, protecting family wealth, and making major financial decisions all require a strategy built around your specific goals and circumstances.

45% of Canadians working with an advisor* say they feel closer to reaching their financial goals because they have support making thoughtful decisions during periods of uncertainty.

The strongest financial plans are collaborative. Regular conversations help ensure your strategy continues supporting both your current priorities and your future goals.

*Fidelity’s 2025 Retirement Report

Only 11% of non-retired Canadians know how much income they will need in retirement. That is a problem when CPP decision...
05/25/2026

Only 11% of non-retired Canadians know how much income they will need in retirement. That is a problem when CPP decisions have a permanent impact on your monthly income for life.

Waiting from 65 to 70 increases your benefit by 42%. Knowing your numbers before you retire makes all the difference.

Not sure how CPP fits into your plan? That is a great place to start the conversation.

What if your child couldn't get life insurance at 21?It sounds like a worst-case scenario. But for many families, it's a...
05/21/2026

What if your child couldn't get life insurance at 21?
It sounds like a worst-case scenario. But for many families, it's a reality: a sudden diagnosis, a health change, and suddenly the door closes.

This family started a participating life insurance policy for their newborn daughter at ~$100/month. By the time she was 21 and received an unexpected diagnosis, she already had:
- A fully paid-up permanent policy
- Growing cash value she could access at major life milestones
-The ability to add more coverage with no health check required

Life insurance for a child is about locking in their insurability, building a financial asset, and giving them a head start before life gets complicated.

Swipe through to see what this kind of planning can actually look like. Contact us for more information.

Lianne has been part of our team for a year now, and it honestly feels like she has always been here. She brings humour,...
05/20/2026

Lianne has been part of our team for a year now, and it honestly feels like she has always been here. She brings humour, heart, and a steady kind of energy that makes the days better just by being around.

She’s thoughtful in the way she works and in the way she shows up for people. She cares deeply about her family, and that same care shows up in everything she does at work. Lianne also has a strong background in Quality Assurance and a career path that’s been shaped by growth, curiosity, and a willingness to keep moving forward.

Outside of work, she’s usually spending time with her fiancé and son, staying busy with family life, or getting out around Winnipeg to enjoy good food and good moments.

We’re lucky to have her on the team. If you know Lianne, drop some love in the comments and help us celebrate her one year 🎉

Taking CPP early reduces your monthly benefit, while delaying increases it.In many cases, the break-even point is around...
05/14/2026

Taking CPP early reduces your monthly benefit, while delaying increases it.
In many cases, the break-even point is around age 74–78, meaning you may receive more total income over time if you delay.

The right choice depends on your income needs, health, and overall tax strategy. If you have questions about when to take your CPP, contact us today.

Source: Government of Canada CPP estimates, 2026

05/12/2026

When a shareholder agreement includes life insurance, it creates a clear plan for the unexpected. Each owner is covered, the business pays the premiums, and if something happens, the policy provides the funds needed to buy back shares. That means stability for the company, protection for the remaining owners, and a smoother path forward during a difficult time.

If you’re not sure how your agreement is set up, now is a good time to review it. Let’s connect and make sure everything is aligned.

05/05/2026

A shareholder agreement lays the groundwork, but without funding, it can fall short when it matters most. Life insurance often turns that plan into something actionable, allowing the business to buy back shares and move forward without added financial strain.

If this hasn’t been reviewed in a while, it may be worth a closer look. Reach out when you’re ready to put the right pieces in place.

Join us for a Ladies’ Night filled with great food, easy conversation, and meaningful connections. 🥂This evening is all ...
05/01/2026

Join us for a Ladies’ Night filled with great food, easy conversation, and meaningful connections. 🥂

This evening is all about bringing women together to connect, unwind, and support the local businesses that help our community grow.

We’ll be gathering at Bistro Dansk on May 25 for appetizers, a three-course dinner with a beverage, all for $85 per person, including taxes and gratuity.

Bring a friend or come on your own. It’s a welcoming space to meet new people and enjoy a night out that feels both relaxed and worthwhile.

Spots are limited to the first 30 guests who send an EFT to [email protected].

Save your seat: https://lb.benchmarkemail.com/listbuilder/signupnew?IkfHTmyPVq9QccN81mdx2v5pwVnAjsSIT6n6B0Hq72PtO5iNRn8gS049TyW7spdJ

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100 Osborne Street North (1C)
Winnipeg, MB
R3P0X7

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