If I had a nickel for every time a client told me, “Penny, I love what you do, but let’s circle back in three months once things settle down,” I’d probably be retired on a beach somewhere. But here’s the reality: Things don't settle down. Life doesn't just...
By Penny Stayropoulos, CFA CIM TEP CFP FMA, Owner and Total Wealth Planner If you’ve been hearing about capital gains changes for what feels like forever, you’re not alone. There was a lot of noise, a lot of debate, and (understandably) a lot of “So…...
By Penny Stayropoulos, CFA CIM TEP CFP FMA, Owner and Total Wealth Planner Here’s a number that might surprise you: 76% of Canadians turn to free advice from family, friends, banks, or the internet when making financial decisions. On the surface, that makes...
Ever noticed how many of us hesitate to reach out for financial guidance, even when we know we “should”? You’re not alone. Half of Canadians skip meeting with a financial advisor, even during crucial years when clarity matters most. But here’s...
I’ll never forget the conversation I had with Mark, a successful Toronto-based architect, last spring. He’d built an impressive investment portfolio worth over $2 million by age 45, but he looked miserable sitting across from me. “I’ve done...
