Money Architect
@MoneyArchFP
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At first, financial planning is all about money and numbers. But ultimately, it’s about contentment. Russell J. Sawatsky CFP® Owner | Financial Planner
London, Ontario
Joined April 2019
I don't actually fish... this is an update on my financial planning practice and plans for retirement by the end of 2026. I explain what’s changing and how I’m thinking about continuity and client care. https://t.co/LwV1LcMKjL
#FinancialPlanning #AdviceOnly #MoneyArchitect
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Why do Canadians often use a #cashwedge while American investors rarely mention them? What should you do when you #retire? My latest blog post digs into the differences. https://t.co/Ag3CjuUZ0y
#adviceonly #FinancialPlanning #investmentplanning #RetirementPlanning
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#RRIF minimum withdrawals have no automatic withholding. My new blog post explains why withholding matters and how to choose an amount that keeps CRA instalments at bay. #RetirementPlanning #AdviceOnly
https://t.co/u7MoMktNxX
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When markets rise sharply, it’s easy to “let your winners run.” But when volatility returns, confidence fades fast. My latest blog post explores how disciplined #rebalancing helps manage #risk and #emotion in #investing. Read more here: https://t.co/OGM5mErhdT
#adviceonly
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Many "index investors" behave like stock pickers, chasing yield, sectors, or the next hot ETF. True index investing is about owning the whole market, not finding the perfect slice of it. Read my latest blog post for more: https://t.co/FAcQCAErHD
#adviceonly #FinancialPlanning
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It looks like CIBC Asset Management is not paying attention to @benjaminwfelix or @RationalRemind. They just launched 4 new covered call ETFs. Sigh...
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A CTV story called it a #ConsumerAlert when a family faced a $660,000 #tax bill. But this wasn’t a scam or trap; it was the tax rules working as written. In my latest blog post, I discuss what happened, and what families can do to #plan ahead: https://t.co/wNLGF0Kwos
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Most #investors believe they’re above average. But in #investing , as in driving, not everyone can be. Stock picking feels right but the data show it rarely works. Read my latest blog post here: https://t.co/Knuqcam8kH
#adviceonly #financialplanning
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#Stewardship isn’t just for the wealthy. Even on minimum wage, there are ways to steward what you have: benefits, tax tools, generosity of time and action. Read my latest blog post for more: https://t.co/JCRLQ12ior
#adviceonly #FinancialPlanning
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Is an #RRSP really “unfair”? Meet Susan, who started working in 1984 and begins #retirement in 2026. This "case study" pits the classic RRSP/RRIF path (with reinvested tax refunds) against a non-registered investing strategy. https://t.co/lJ6By55R2t
#RetirementPlanning
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Great thread on RESPs.
RESP account type thread Some parents ask: Should I open one family RESP with multiple kids? A separate family RESP for each child? Or just individual RESPs? Here’s a deep dive into the pros & cons of each. 👇🧵
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Your child got into university. Congrats! But now comes the tricky part: withdrawing from the #RESP you’ve built over the years. Should you take EAPs or PSE first? Here’s a guide to making RESP withdrawals work for you. #adviceonly #FinancialPlanning
https://t.co/Kg1FIsRz7P
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Can a typical Canadian couple retire comfortably with average savings? Linda and David just turned 65. They have CPP, OAS, and modest pensions and savings. In this blog, I walk through their retirement math. #adviceonly #retirementplanning
https://t.co/XLCSgpNycq
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Some investors want reliable #income. Others focus on long-term #growth. Christopher and Ashley—fraternal twins with different investing philosophies—reach a crossroads. What do their choices reveal about covered-call ETFs vs. total-return investing? 🔗 https://t.co/8hSkRXH0r2
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The link to the article isn't working. Try this:
theglobeandmail.com
Regulatory probe says sales practices at big five can lead to staff offering products and services not in customers’ best interests
The Globe headline says it all about a recent OSC and CIRO study: "Big banks’ sales targets can pressure mutual fund advisers to skew advice to clients, review finds"
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Big banks’ sales targets can pressure mutual fund advisers to skew advice to clients, review finds https://t.co/r3UzFB3K73
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Some investors want reliable #income. Others focus on long-term #growth. Christopher and Ashley—fraternal twins with different investing philosophies—reach a crossroads. What do their choices reveal about covered-call ETFs vs. total-return investing? 🔗 https://t.co/8hSkRXH0r2
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Summer often promises rest, but #vacations can leave us more exhausted, financially and emotionally. In my latest blog, I explore what it means to #budget for true #rest in a culture that doesn’t stop. https://t.co/x9zw3q4FDp
#adviceonly #financialplanning
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Planning for poor #health isn’t pessimism—it’s wisdom. In my latest blog, I consider how illness and #personalfinance intersect and how smart planning can soften the blow when life hits hard. https://t.co/W4dSUBUGIf
#AdviceOnly #FinancialPlanning
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Jessica chases big wins. Michael avoids any risk. Both are stuck. My latest blog post explores the stories of fraternal twins whose extreme investing behaviours reveal lessons about #risk, fear, and financial discipline. #adviceonly #FinancialPlanning
https://t.co/3QuZMJWusj
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