“If I only knew then what I know now.” - My Parents 

“If only. Those must be the two saddest words in the world.” - Mercedes Lackey

Growing up in Winnipeg, Manitoba, my sister and I lived under the care of my immigrant parents who were business owners. I felt I had lived a normal lifestyle that consisted of eating, sleeping, and watching the occasional episode of “Sesame Street”. Not once did I feel like we were in a difficult situation. I had everything I ever needed; food, a roof over my head, and a small bed to call my own. Looking back, I realized that what we had came with significant financial sacrifices.  

If you are a member of a share ownership plan (SOP), we suggest you review it on a regular basis. As with any portfolio, it is important to review the concentration you have in just one company. Modern portfolio theory suggests you diversify your holdings amongst various companies, industries, geographic locations, business cycles, etc.  Maintaining a diversified stock portfolio, particularly during turbulent times, is a key strategy at mitigating loses.


Employees periodically have the opportunity to transfer funds from your SOP to another account, to help you meet your long-term savings goals while staying in-line with your risk tolerance.


Take a look at your own share ownership plan and talk to us about whether you are overly concentrated, and need to diversify. We can accommodate your company stocks and advise on how they best fit within your full financial plan or make alternative suggestions.  

Our portfolio management teams remain optimistic on the outlook for Canadian equity markets.  Although we are likely in the later stages of the economic cycle, the Canadian economy is expected to continue benefiting from strong demand for goods and services from the United States.  This should allow for continued strength in corporate profits resulting in positive equity market returns. 

Now that Canadians are legally allowed to consume marijuana many clients are asking us how this will impact insurance. From existing life insurance and new applications to group insurance. I have summarized the details below, and please reach out if you have more questions.


Defining your savings goals is the first thing to do before you invest, especially when that investment will have an impact on your child's future. 

It is after-all your child's future that you are investing in and school finance cannot be avoided, as babies will grow into adults who need to be given the best opportunities we can offer as parents. 

Are you in your 20s entering the workforce or are you years away from retiring and living your golden years? 

Should YOU have a retirement plan?

The marijuana industry has been seen as a popular investment, but recent valuations have made the market less appealing for growth than before. 

Read the recent interview, Sean Harrell, Partner & Senior Advisor, had with Wealth Professional and what he suggests to do if you are thinking of investing in the marijuana industry.