RLF Advisory

RLF Advisory Advise Meaningfully | Serve Honourably | Enhance the Lives of Others | Since 1976

🌟 Team Spotlight: Meet Erin NobessThoughtful service is built into everything we do, and Erin Nobess, our Director of Op...
06/17/2026

🌟 Team Spotlight: Meet Erin Nobess

Thoughtful service is built into everything we do, and Erin Nobess, our Director of Operations, plays a big part in making that happen. Since joining RLF in 2014, Erin has helped shape the client experience through care, organization, and a genuine commitment to helping others.

☕ What’s your go-to coffee order?
A good cup of coffee with a little cream – iced in the summer!

🧭 What brought you to RLF Advisory – and what’s kept you here?
I came to RLF looking for a team that truly puts clients first, and it quickly became clear that this was a place built on care and integrity. Since joining, I’ve continued to learn and grow every day. It’s rewarding to be part of a team where my voice is heard and the work I do makes a difference.

🤝 RLF talks about “Serving in a way that is meaningful, honourable and enhances the lives of others.” What does that mean in your day-to-day work?
To me, it means simplifying complexity and creating a space where clients feel comfortable bringing all their questions. We aim to become an extension of our clients’ families – celebrating successes, supporting them through challenges, and helping them plan for what matters most.

💙 What’s something you’ve learned from your time with RLF Advisory that’s stayed with you?
That the small things matter. Remembering details, reaching out for a conversation, or simply taking the time to listen can have a bigger impact than we realize.

💬 What’s a quote that’s had an impact on you?
“Nobody cares how much you know, until they know how much you care.” — Theodore Roosevelt.

As someone who naturally wants to solve problems, my instinct is often to jump in with advice. Over time, I’ve learned the importance of listening first and truly understanding someone before offering solutions.

3️⃣ If you had to describe RLF Advisory in just three words, what would they be?
Dedicated. Reliable. Thoughtful.

👨‍👩‍👧 What’s a simple pleasure or small daily habit that adds joy to your day?
Waking up my daughter each morning. Her excitement for life and eagerness to start the day brings me joy every single morning.

🌷 When you’re not working, where can we find you?
In the summer, usually in the garden or working in my flower beds. In the winter, cooking, playing games with family, or spending time with my very social daughter.

Erin’s proactive approach, strong problem-solving skills and thoughtful support help build lasting client relationships rooted in trust and connection. We’re so grateful to have her on the team!

Many senior executives put insurance in place early in their career (we love to see it!), but rarely revisit it as life ...
06/10/2026

Many senior executives put insurance in place early in their career (we love to see it!), but rarely revisit it as life evolves.

The challenge with this? Life doesn’t stand still.

A compensation package that once consisted primarily of salary may now include bonuses, stock options, deferred share units, supplemental pensions, corporate savings plans, or significant taxable assets. At the same time, mortgages shrink, children become independent, and retirement starts moving from “someday” to something more tangible.

Yet many executives still have insurance and risk management strategies built around an earlier stage of life and income.

Sometimes that means carrying coverage that no longer serves a meaningful purpose. Other times, it means important risks have quietly emerged without being addressed at all.

The bottom line? Risk management should evolve alongside your broader financial plan.

Questions worth revisiting include:

✅ If my income stopped tomorrow, what would need protecting?
✅ How would my compensation structures impact my family in the event of illness, disability, or death?
✅ Has growing wealth reduced some risks while creating others?
✅ Does our current plan align with the lifestyle and retirement goals we’re building toward?

We believe insurance planning works best when integrated into a comprehensive financial plan.

Because thoughtful planning isn’t just about growing wealth. It’s about protecting the flexibility, opportunities, and future your success has created.

A recent survey from Willful shows 41% of Canadians have never had a detailed conversation with their family about end-o...
06/03/2026

A recent survey from Willful shows 41% of Canadians have never had a detailed conversation with their family about end-of-life wishes.

For many families, conversations about aging, wealth transition, and future decision-making feel uncomfortable, so they get delayed – often until a health event, cognitive decline, or family crisis forces decisions to happen quickly.

That uncertainty can leave families asking:

➡️ Who has authority to make decisions?
➡️ Where are the important documents?
➡️ What were Mom or Dad’s intentions?
➡️ Does anyone fully understand the financial picture?

For families with businesses, investments, properties, or multi-generational wealth, these conversations become even more important.

At RLF Advisory, we believe wealth transition planning is about more than transferring assets. It’s about preserving relationships, communicating openly, and helping families move forward with clarity and alignment before important decisions become urgent.

One of the greatest gifts families can give each other is clarity before it becomes necessary.

Learn why having financial conversations matter (and see our tips for how to navigate these discussions!) in our latest article. https://bit.ly/4vKaS7F

Rising costs. More complexity. Less money at the end of the month. For many Canadians, financial stress has become a con...
05/27/2026

Rising costs. More complexity. Less money at the end of the month.

For many Canadians, financial stress has become a constant.

According to this year’s Financial Stress Index from FP Canada, 43% of Canadians say money is their biggest source of stress, and two in five Canadians say bills and everyday expenses are what cause them the most financial worry.

The financial pressure so many are feeling doesn’t stay at home – it shows up in the workplace every day.

The challenge for employers isn’t just offering benefits. It’s helping employees gain clarity.

We wrote about what this means, and what forward-thinking organizations are doing differently.

See the difference: https://rlfadvisory.com/blog/40912-Financial-stress-at-work-the-cost-employers-dont-measure

Team Spotlight: The RLF Advisory Coffee Bar ☕️ It may not be on the org chart, but it’s been part of our team for 50 yea...
05/20/2026

Team Spotlight: The RLF Advisory Coffee Bar ☕️

It may not be on the org chart, but it’s been part of our team for 50 years.

In the early days, coffee here meant a simple drip machine (and, if we’re being honest, not the best cup of joe you’ve ever had!) We later moved to pods (a step forward), but it still wasn’t the experience we wanted to offer.

When we moved to our home on Edmonton Street, we decided to change that. Coffee became a centerpiece.

What started with an automated espresso machine has since evolved into a semi-automatic setup, whole beans, and a growing menu: Americanos, cappuccinos, lattes, iced macchiatos, and more. To date, we’ve made more than 30,000 coffees and counting!

Today, many of us at RLF Advisory are enthusiastic amateur baristas, continually honing our craft. Although there are sometimes a few spills (scroll through for unfortunate evidence), the quality has come a long way.

But the real joy isn’t just in the coffee itself. It’s in sharing the experience.

Some of the best conversations we’ve had with clients have started over a cup of coffee. It’s a small detail, but an important one – and a reflection of how we think about the experience we create when you walk through our doors.

We’ve even partnered with local roaster Sunstone Coffee Roastery to develop a custom RLF blend, continually refining it to make it better.

Next time you’re in, feel free to challenge us with your favourite order. We may not get it perfect, but we’ll enjoy the process and the chance to share it with you. ☕️

Victoria Day long weekend is here, and with it is a chance to step back, spend time with the people who matter most, and...
05/15/2026

Victoria Day long weekend is here, and with it is a chance to step back, spend time with the people who matter most, and enjoy the unofficial start of summer.

Our office will be closed on Monday for the holiday, and we’ll be back on Tuesday.

Wishing you a safe and enjoyable long weekend!

Most executives spend years building complex compensation structures. Stock options, deferred plans, performance incenti...
05/13/2026

Most executives spend years building complex compensation structures.

Stock options, deferred plans, performance incentives, and so much more, all designed to create opportunity over time.

But complexity doesn’t just require strategy; it requires understanding.

Not just for you, but for the people around you.

Because at some point, the question isn’t just “Am I optimizing this?”

It becomes “If something unexpected happened, would someone else know how to step in?”

Who understands how it all fits together, and knows what decisions need to be made (and when)?

A coordinated team doesn’t just help you make better decisions today. It ensures that everything you’ve built can be understood, managed, and carried forward when it matters most.

We explore the benefits of taking a team approach to your compensation in our latest article. Check it out now!

https://rlfadvisory.com/blog/40882-Why-complex-executive-compensation-requires-a-team-approach

Mother’s Day is a chance to pause and recognize what sits quietly at the centre of so many families. A mother’s influenc...
05/10/2026

Mother’s Day is a chance to pause and recognize what sits quietly at the centre of so many families.

A mother’s influence often shapes more than day-to-day life. It shapes values, guides decisions, and brings a sense of direction to the things that matter most.

We see it in the way families support one another, celebrate milestones, and navigate both the expected and the unexpected.

These moments don’t happen by accident. They’re built over time, often led by that steady, thoughtful presence.

Today, we recognize and thank the mothers who play such an important role in the lives of those around them.

Happy Mother’s Day.

Legacy isn’t just something you plan for at the end of your life or after you’re gone. It’s something you build while yo...
05/06/2026

Legacy isn’t just something you plan for at the end of your life or after you’re gone.
It’s something you build while you’re still here.

Too often, legacy planning gets reduced to documents and distributions. Wills are drafted. Documents are signed. And the real conversations are deferred for another day.

A living legacy takes shape through action. It shows up when you:

✔️ Share the story behind how you built your wealth and worked for your success.
✔️ Involve the next generation in conversations early, not after a health scare, crisis, or other triggering event.
✔️ Clarify what matters to you, and why.
✔️ Create structures that support good decision-making over time.

When families address legacy proactively, they reduce uncertainty and avoid rushed decisions later. More importantly, they give the next generation context, confidence, and a clearer sense of responsibility.

This kind of planning isn’t about predicting the future. It’s about preparing people.

Because the most effective legacy plans don’t start with an estate event. They start with intention, communication, and leadership today.

If you want to take a more active approach to legacy, reach out. Let’s start the conversation.

https://rlfadvisory.com/contact-us

Earlier this week, our team had the privilege of volunteering with the Harvest Manitoba Meals to Go program. Each week, ...
05/01/2026

Earlier this week, our team had the privilege of volunteering with the Harvest Manitoba Meals to Go program.

Each week, this program delivers meal kits to 18 schools, reaching over 7,000 students so they have food to take home over the weekend. It’s done in a way that includes every child, ensuring no one is singled out. Just something simple, consistent, and meaningful that everyone can count on.

In just the past two years, they’ve increased their operations to nearly triple their impact.

During our shift, we packed 1,160 meal kits alongside an incredible team of volunteers. Each one included a variety of easy, kid-friendly foods that don’t require adult help. Things like yogurt tubes, fresh fruit, cucumbers, cheese, milk, and cereal. The items are rotated throughout the year and thoughtfully planned with a pediatric dietician to make sure they’re both nutritious and something kids will actually eat.

At about $5 per kit, the program invests more than $35,000 every single week to make this happen.

What stood out most wasn’t just the scale of the operation, but the care behind it. From the food itself to the small affirmation cards included in each kit, everything is designed to make kids feel supported and included heading into the weekend.

We were grateful to play a small part in that effort, both through our time in the warehouse and by helping fund additional meal kits for the weeks ahead.

At RLF, we believe it’s a privilege to serve, not just our clients, but the community around us. Experiences like this are a reminder of how important that is, and how much can be accomplished when people come together with a shared purpose.

Address

37 Edmonton Street
Winnipeg, MB
R3C1P8

Opening Hours

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

Telephone

(204)5942210

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