COMMENTARY & INSIGHTS

Most financial plans do not fail. They drift. The numbers can still look fine, but life changes faster than the plan gets updated. A good review is not a dramatic reset. It is maintenance. The goal is simple: make sure your plan still reflects the life you are living now, not the one you were living when it was first created.

Financial gifts last far beyond the holidays. Instead of giving items that are forgotten in a year, you can give something that grows, compounds, and creates long-term opportunity. From RESP and TFSA contributions to FHSAs and starter investment accounts, even small amounts can shape someone’s future and build real financial confidence.

Canada’s Fall 2025 budget marks a shift toward long-term investment and fiscal discipline. With $280 billion committed to infrastructure and productivity, no major tax changes, and a focus on “invest now, constrain later,” the message is clear: stability today, prudence tomorrow. For investors and families, this is the time to strengthen savings, review portfolios, and plan ahead while the financial landscape remains steady.