Financial Flight Plan

Did you know that when you vote for Gaining Altitude Financial in the WestShore Chamber of Commerce Best of the WestShore Awards you have a chance to win $200?

And you can increase your chances of winning by voting everyday!

Big changes are coming to your investment statements! 📊👇

Starting in January 2027, Canadian investors will see total transparency on their annual investment statements, thanks to new Total Cost Reporting (TCR) regulations.

Here is what you need to know:

No New Fees: These aren't added costs—they are fees that have always existed (like fund management and trading expenses) that will now be shown clearly in exact dollar amounts for the first time.

The Full Picture: You'll see a complete breakdown combining direct advisor fees and embedded product costs (Fund Expense Ratios) in one place.

Better Clarity: Knowing your exact costs makes it easier to measure performance, compare products, and evaluate the true value of professional advice.

Transparency is a win for every investor. When you know exactly what you’re paying, you can make more empowered decisions about your financial future.

Have questions about how your portfolio is structured or what fees look like right now? Drop a comment or send me a DM! 💬📩

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Hannah Relleve is starting the next chapter of her career in Powell River. We will miss having her (and the kids) in the office regularly but are excited for her to grow the practice in a new town. The folks in Powell River don't know (yet) how lucky they are to have this terrific financial advisor arrive in their midsts.

Near the entrance of the Dan Lorenzo Cathedral in Genoa, you will find a sleeping dog carved at the base of a column. Legend claims the sculptor was so bereft by the death of his pet that leaving this momento eased his grief. It's said to be good luck to rub the dog, so it's the smoothest feature of the whole church!

Don't leave your financial wellbeing to luck. Uncontrolled events will occur in your life that can destroy your family's financial future. Life, disability and critical illness insurance are built to check in when you check out.

Many people find the process of applying for the Disability Tax Credit to be a puzzle. The good news is that more conditions qualify all the time. Just this year, I've had two clients approved with ADHD who had been declined before.

It's worth getting the DTC to receive a greater tax refund AND open an RDSP investment with a 300% federal match.

Contact me to discuss how I can help you put the pieces together.

If you feel Hannah Relleve and I provide a financial advising experience that helps you reach your goals, please vote for Gaining Altitude Financial in the WestShore Chamber of Commerce Best of the WestShore!
Check it out now!

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I had a conversation today with a (potential) business owner client. She told me she had an accountant as well as RRSP & TFSA investments on WealthSimple.

I said it was great she was taking action on both aspects of her financial wellness. When I asked if the actions she'd taken will get her to her goals, she didn't know. When I asked what contingencies she'd put in place to handle any interruption of income or market volatility, she was unsure.

An investment portfolio isn't a financial plan any more that filing your taxes helps you achieve your dreams.

🧠 The secret to financial success isn’t actually a secret. It comes down to two distinct phases:

1️⃣ Building a rock-solid financial plan. 2️⃣ Being disciplined enough not to screw it up.

Honestly, setting up the plan is the straightforward part. The real test? Managing your own behavior.

When the market takes a dip, or a shiny new trend triggers your FOMO, the smartest thing you can often do is... absolutely nothing. Financial intelligence isn't about constantly tweaking your portfolio or trying to outsmart the system; it’s about having the grit to let your money work for you without getting in your own way. 🛑

Set the foundation. Trust the process. Step back.

What’s your biggest hurdle when it comes to sticking to your financial plan? Let me know below! 👇

StickToThePlan FinancialAdvisor

Imagine an insurance policy where you literally can't lose. 🤯
​People buy Critical Illness insurance from me for two main reasons:
👉 If you get sick: You get a tax-free cash payout to focus on recovery, not bills.
👉 If you stay healthy: You can get every single dollar you paid in premiums back.
​Protection if you need it, a refund if you don’t. Let’s chat about securing yours today. 💬