In Canada, the difference comes down to scope and standard of care. A Financial Advisor typically manages investment assets (stocks/bonds), while a Financial Planner maps out retirement scenarios and tax efficiency. A Personal CFO, however, functions as a strategic governor for your entire financial life—integrating tax, legal, and family governance into a ratified Constitution to verify solvency and protect against decision fatigue. The Confusion of Titles In the Okanagan, t

Is the Economy Heating Up or Cooling Down? (The Answer First) The Canadian economy is showing unexpected strength heading into 2026, with a surprisingly robust job market and a stabilizing dollar. However, this good news comes with a paradox: a stronger economy might pause interest rate cuts or even bring hikes later in the year. For you, this means volatility is not over—especially with looming US trade talks. The wisest move right now is not to chase market predictions, but

The Short Answer (For the impatient) Is "Set and Forget" a good strategy for sudden wealth? No. While we avoid frantic trading, total passivity is dangerous. We call this "Passive Avoidance." In Canada, tax liabilities (CRA) and estate complexities do not sleep just because you do. The wisest approach is Active Stewardship: not moving the money constantly, but actively verifying that your "Sanctuary" cash reserves are funded and your spending aligns with your values. You must