Archive for August 2026
iWatchMarkets article: Ed Rempel, CFP, Explains Why Self-Made Dividends Are Better Than Ordinary Dividends, In Every Way
Most investors think dividends are one of the safest and smartest ways to create retirement income. But are they really? Ordinary dividends have some significant drawbacks that are often overlooked: There’s another option: self-made dividends. Instead of relying on companies to decide when and how much income you receive, you create your own cash flow…
Read MoreDebt After Separation: How to Regain Control Without Panic
A practical, emotionally grounded guide to sorting out post-separation debt, protecting cash flow, and rebuilding one clear step at a time. The debt is not your identity There is a specific, heavy feeling that can come with debt after a separation. It is not just financial. It is emotional, personal, and often tied to grief,…
Read MoreWhy Economic Freedom and the Stock Market Make Us All Richer
As equity investors, we put our money into companies through the stock market because we believe in the power of innovation, competition, and long-term growth. But for the stock market to deliver strong returns over time, we need economic freedom and free enterprise. When people can freely start businesses, invest, trade, hire, and compete without…
Read MoreYour First Real Paycheque: A Smart Money System for Young Professionals
The Habit That Builds Wealth Not the Amount A -friendly guide to using your first corporate paycheque with confidence, clarity, and a system that protects your future self. The first paycheque is exciting. The real opportunity is what you automate before lifestyle creep takes over. Your First Paycheque: What Actually Matters There is a moment…
Read MoreNational Post article: Everything changed when Kevin’s wife died. He now wants to retire next year, at 54, but can he afford to?
My latest article for the National Post looks at Kevin, 53, who is considering retiring next year after the death of his wife changed how he thinks about work, family and how he wants to spend his time. He has nearly $1 million invested, a $1.5 million debt-free home and an employer pension, but he…
Read MoreSecure Your Future Together: The Power of Trust Planning for Couples
Beyond the Will: How Canadian Couples Can Use Trusts to Protect Each Other A guide to achieve continuity, clarity, tax efficiency, and family harmony. Beyond the Will: How Canadian Couples Can Use Trusts to Protect Each Other Most Canadian couples believe their estate plan is complete once they have wills, powers of attorney, and beneficiary…
Read MoreStay Invested – Your “Behavioural Vitamin C” to Build Real Financial Freedom
As we hit the halfway point of 2026, it’s the perfect moment to step back and talk about what really builds lasting financial freedom: staying focused on your long-term plan amid all the noise. Think of your financial plan as the GPS for your life. It’s not a dusty document – it’s a dynamic, living…
Read MoreUnderstanding Credit Without Fear or Confusion
A Practical Guide to Building Credit Confidence in Canada Based on a previous article framework by Sabiha Mukadam, CFP Credit can feel intimidating when no one has explained it clearly. Many people grow up hearing warnings like: · Do not ruin your credit. · Credit cards are dangerous. ·…
Read More