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Tag: financial goals

  • So you fell short of your financial goals in 2025—here’s how to do better – MoneySense

    Many Canadians missed key goals

    A year ago, 51% of respondents to a similar poll said they wanted to pay off their debt in 2025 but only 26% managed to do so. A similar number, 49%, aimed to save for the future over the past year but only 30% of this year’s respondents reported accomplishing that task. In late 2024, 36% of respondents said they wanted to make or update their wills in 2025 but only 9% actually did. Of the 18% who were in the market for a home in 2025, just 4% bought one. 

    In fact, the share of the population with major financial to-dos crossed off their list may have taken a small step backwards in 2025. Forty percent reported having a will (versus 41% in 2024), 34% had life insurance (from 35% a year earlier) and 24%, power of attorney (compared to 27% in 2024). Only 30% of respondents said they have discussed a financial emergency plan with their families and have the related planning documents, such as a will, in place.

    The findings all came from an online survey of 1,503 Canadian adults who are members of the Angus Reid Forum. The poll took place in October. The results are considered accurate within 2.5 percentage points 19 times out of 20.

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    Why Canadians fell behind

    Although inflation has eased off as a threat somewhat—72% of respondents said they worried about its impact on their finances, compared with 86% a year ago—new risk factors such as tariffs (53%) and unemployment (44%) rank high among the reasons for not reaching financial goals. More than a third (37%) felt worse off than last year and 46% said they had to dip into savings to cover expenses. The share of Canadians who feel optimistic about their financial future dropped to 46% in 2025 from 53% in 2024.

    “All of these factors caused Canadians to by and large put off these financial to-dos related to their long-term financial health and wellness in favour of just dealing with the day to day,” says Erin Bury, Willful’s co-founder and chief executive officer. Also interfering with people’s ability to hit their objectives are generally low levels of financial literacy and the difficulty of making hard decisions and delaying gratification in the face of marketing, peer pressure and social media that urges us to do the opposite.

    “Ignorance comes into it. It’s really common to avoid thinking or planning for the future and avoiding thinking or planning for anything uncomfortable,” Bury says. “Most people are just focused on ‘How am I going to get through 2026?’, not ‘What’s my financial picture going to look like in 2056?’”

    Steps to get back on track in 2026

    Bury recommends writing down your financial goals as a first step towards getting ahead in 2026. Refer to and adjust them if necessary throughout the year. Put reminders on your calendar. The month-to-month contributions don’t have to be huge to make a difference over the long haul.

    “I have an RESP for my kids. I’m not putting in thousands of dollars a month, just a small amount,” she says. “The biggest asset we have in investing is time.”

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    Willful has created a month-by-month checklist to help keep estate and other financial objectives top-of-mind in 2026. They include topping up your RRSP for the 2025 tax year in February, centralizing your account information in one place in April and setting up a password manager for your various accounts in October.

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    Read more about financial planning:



    About Michael McCullough


    About Michael McCullough

    Michael is a financial writer and editor in Duncan, B.C. He’s a former managing editor of Canadian Business and editorial director of Canada Wide Media. He also writes for The Globe and Mail and BCBusiness.

    Michael McCullough

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  • Why You Should Let Financially Savvy Female Employees Guide Your Company’s Benefits

    Perks on the job are usually a nice bonus to have, and can actually help boost performance, as a recent report on offering frontline workers food and work-sponsored outings shows. Other perks hit the headlines for different, sometimes quirky reasons, like the current trend for of Silicon Valley startups letting people go shoeless in the office. Now a new report focuses on how some benefits have a more direct appeal to working women. Its findings could make a difference at your company.

    The most significant finding in the new data shows that women with a high degree of financial literacy are the least satisfied with their company’s benefits programs.

    The data, from Oregon-based insurance and investments provider The Standard, show that three-quarters of women who identify themselves as highly financially aware said employers really need to consider benefits more carefully, including offering caregiving benefits, according to HRDive. More than half of the survey respondents said they should also have different benefits from other members of their household so that their overall needs are met. We can interpret this as meaning that one partner’s job has benefits like flexible hours that line up with the school run, while the other partner’s work offers perks that, for example, offers an end-of-year bonus that will help during the holiday season.

    The report also notes that as women’s wages rise, their confidence in their own financial acumen rises, and this confidence leads to dissatisfaction with company benefits. Higher wages also correlate with “women feeling more limited in their choices for family and career,” the report says. Data, for example, show that for women earning over $200,000, 35 percent admitted to wanting more children but felt they couldn’t afford to expand their families, compared to just 29 percent of women earning under $50,000. Meanwhile, 42 percent of women in the top pay bracket said they’d like to shift their careers, compared to 35 percent of lower-paid women, suggesting that the top earners definitely feel more stuck. 

    Anecdotally, this makes sense: higher wages can be perceived as “golden handcuffs,” and taking time off to have children may impact working women’s household earnings (especially if an employer doesn’t offer family-centric perks). 

    The data also show that women report less confidence in understanding benefits and matters like insurance. That’s important, because two-thirds of women are the primary providers of household-related benefits, and this figure is 72 percent for women making less than $50,000 — the group that also reports the lowest level of financial confidence.

    The report quotes The Standard’s senior vice president for External Affairs, Marketing and Communications, Justin Delany, who outlined why the data is important for companies considering tweaks to their staff benefits packages. “To be most effective at retaining and engaging employees, workplace benefits need to meet the unique needs of different employee populations,” Delaney said, adding that the data show “employers have a significant gap — and opportunity — in meeting the needs of women employees with tailored employee benefits and financial education.”

    The report also points out that tailoring benefits packages for women, as well as benefits education programs to help them better understand what’s on offer, could help people choose their best options. Offering flexible benefits packages, tailored to women workers’ needs, could be key to recruiting and then retaining female staff.

    In March this year, for example, Citigroup CEO Jane Fraser landed her company’s benefits system in the spotlight because, unusually among Wall Street firms, she decided to make a concerted effort to support working mothers. While many other industry giants are pushing for strict return-to-office rules, citing vague team-building notions to explain the mandates, Fraser told her staff they’re sticking to the hybrid working model that evolved during the pandemic, allowing most workers to be remote at least two days a week. As well as being what she thinks is truly a “new way of working,” the policy is also extremely family-friendly, and may specifically appeal to working mothers who (as The Standard’s data underlines) typically have more family duties than male workers. 

    What can you take away from this for your company?

    First, if your company offers flexible benefits packages, then you may want to offer, repeat or maybe even rejig an in-house educationaa program explaining the benefits to your staff, particularly since The Standard’s data show women have less confidence in their understanding of these topics.

    Secondly, you have an opportunity to carefully tailor your benefits packages to appeal to female staff — particularly your higher-paid workers. Offering suitable benefits could act as a competitive advantage in the job market, and you could attract talented workers who’d perhaps balk at rival firms’ less-promising benefits packages. It may even help you retain your most valuable female workers for the long term.

    Kit Eaton

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  • When working with a financial advisor, understand what fees you’re paying – MoneySense

    When working with a financial advisor, understand what fees you’re paying – MoneySense

    Fee-based advisors, who charge based on asset size, typically work better for people with more assets and dollars to invest. 

    Tam said fee-based financial planning aligns the motivation of an advisor with the client. 

    “They’re not going to be motivated to do what we call churning your accounts, or selling and buying similar mutual funds, so they can make a commission,” he explained.

    On average, fee-based planners charge a flat rate of 1% and provide holistic advice such as tax planning, estate planning or even everyday financial planning during uncertain economic times. 

    While uncommon, fee-only, advice-only financial planners are another way to seek help with your money. This type of planner reviews the client’s finances and makes recommendations. It’s then left up to the client to implement those recommendations.

    These advisors simply provide guidance and do not sell investment products, Tam said. 

    “It truly is a decoupling of advice versus sales, which we think is a very positive thing,” he said. 

    The fee is typically charged at a flat rate, Tam added. 

    The Canadian Press

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  • How much money should I have saved by age 40? – MoneySense

    How much money should I have saved by age 40? – MoneySense

    All the while, you’ve got a serious case of FOMO every time you check social media—all those friends who are jetting off on lavish vacations, buying new cars and splurging on cottages. How are ordinary Canadians actually doing this? And how can you get ahead and save more?

    What’s the average savings for Canadians in their 30s? How much should they have saved?

    A lot of Canadians are managing to save, despite the above financial challenges and obligations. According to Statistics Canada’s 2019 figures (the most recent available), the average person under age 35 had saved $9,905 towards retirement (RRSPs only) and held $27,425 in non-pension financial assets. For Canadians aged 35 to 44, these numbers are $15,993 and $23,743, respectively.

    The table below shows the average savings for individuals and economic families, which Statistics Canada defines as “a group of two or more persons who live in the same dwelling and are related to each other by blood, marriage, common-law union, adoption or a foster relationship.” In 2019, the average household savings rate was 2.08%.

    Financial assets, non-pension No private pension assets, just RRSPs Private pension assets and RRSPs
    Individual under age 35 $27,425 $9,905 $25,263
    Economic family under age 35 $105,261 $140,662 $60,305
    Individual aged 35–44 $23,743 $15,993 $39,682
    Economic family aged 35–44 $131,017 $138,488 $399,771
    Source: Statistics Canada

    The pandemic had a positive effect on savings; the disposable income of the average Canadian rose by an additional $1,800 in 2020, according to the Bank of Canada. That meant most Canadians were able to save an average of $5,800 that year.

    Despite this pandemic silver lining, most Canadians aren’t saving enough for their age groups. When CIBC polled Canadians in 2019 on how much money they’d need in retirement, on average they guessed they would need $756,000. The actual amount you’ll need depends on many factors—to estimate your own number, check out CIBC’s retirement savings calculator.

    How to prioritize financial goals and obligations in your 30s

    With so much going on in your 30s, it can be very challenging to save when you have so much to pay for. After all, you may be carrying a lot of debt due to student loans, a car loan or a mortgage. In the third quarter of 2023, Canadians aged 26 to 35 owed an average of $17,159, and Canadians aged 36 to 45 owed $26,155, according to a report from Equifax.

    Maybe debt is less of a concern for you, but you’re saving for a big goal—like a down payment on a home—and you’re feeling the strain of a high interest rate and inflation. Perhaps you’d like to start a family, but you’re worried about the costs of raising a child. Or you’ve dabbled a bit in the stock market and want to make a few more investments.

    Whatever your situation, talking to a financial planner about your finances and your priorities can help you map out a customized financial plan that factors in your immediate goals—as well as long-term savings and retirement strategies. This might include focusing on paying off high-interest debt, putting aside money for a home, shopping around for life insurance and ensuring that you save each month.

    Anna Sharratt

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  • MoneySense at the Wealthy Women’s Summit – MoneySense

    MoneySense at the Wealthy Women’s Summit – MoneySense


    MoneySense editor Lisa Hannam will open the conference, sharing an overview covering current economic climate and financial trends in Canada.

    What: Wealthy Women’s Summit
    Who: MoneySense editor Lisa Hannam
    When: Wednesday, March 6, 2024, 9 a.m. to 6 p.m. MST
    Where: The Brownstone, Calgary, AB
    How: Visit wealthbuildingacademy.com/summit
    Cost: $175 for general and for $399 VIP

    What is the Wealthy Women’s Summit?

    Visualize your very own financial glow-up at the Wealthy Women’s Summit on March 6, 2024, at the fabulous Brownstone in Calgary, AB.

    This isn’t your typical finance workshop; it’s a glitter-fueled experience of empowerment, designed for a jaw-dropping transformation that will boost your financial confidence, decode economic mysteries, and shatter the boundaries of traditional financial norms.

    Picture a lineup of powerhouse speakers ready to spill the tea on just how to radically transform your financial game. And guess what? Every Wednesday Janine Rogan is unveiling a new speaker or surprise guest live on Instagram.

    Imagine unlocking the secrets to building your wealth, gaining insights that give you those big exciting a-ha moments, and joining a squad of fierce humans rewriting the game.

    Secure your spot, mark your calendars, call up your bestie and get ready to sparkle. This isn’t just a personal finance conference—it’s a movement of women taking back their financial power and owning their futures.




    About MoneySense Editors

    MoneySense editors and journalists work closely with leading personal finance experts in Canada. Since 1999, our award-winning magazine has helped Canadians navigate money matters.





    MoneySense Editors

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  • Money tips from Jordan Heath-Rawlings: “Make sure you can afford a sudden expense” – MoneySense

    Money tips from Jordan Heath-Rawlings: “Make sure you can afford a sudden expense” – MoneySense

    Jordan Heath-Rawlings shares your frustration. In November 2023, he launched In This Economy?!, a podcast that helps Canadians tackle financial challenges. Described as “Your guide to understanding an unpredictable economy,” the show explores topics such as inflation, employment, debt, home ownership and repaying CERB.

    Heath-Rawlings, who lives in Toronto, is a long-time Canadian journalist—he was a newspaper reporter, a founding editor of Sportsnet, and director of special projects at Rogers Media, among other roles. In 2018, he started Frequency Podcast Network, along with Canada’s first daily news podcast, The Big Story, which he still hosts (he also oversees 30-plus other shows). Below, Heath-Rawlings shares what he thinks about credit, debt, real estate and more—plus why he’s now a “huge points guy.”

    Check out In This Economy?!, available on these podcast players. New episodes are released on Thursdays.

    Who are your finance heroes?

    So, In This Economy?! is designed to come from a curious person, not someone who has studied the financial industry extensively and has formed opinions about it. I don’t really have a finance hero. Except, I’ll say this: My career as a sports journalist, including a lot of time writing about fantasy sports and gambling, has made me keenly aware of the concept of the “mass market miss”—a player or investment that doesn’t seem to match stereotypical norms, so it’s overlooked compared to others, creating easy value for those willing to value results over aesthetics. So, can I say, like, baseball writer Bill James or baseball executive Billy Beane?

    How do you like to spend your free time?

    I’m a homebody for the most part, so hanging around the house, watching sports, being with family. My partner is a travel junkie, though, so we try to find the time—and money—to take a few trips a year.

    If money were no object, what would you be doing right now?

    Golfing—somewhere warm. With my wife and daughter on the beach waiting for me to meet them afterwards. We’ll be doing this in a few weeks from now, and I’m already dreaming about it.

    What was your first memory about money?

    My first money memory—besides making like 25 cents per row weeding the garden for my grandfather—is my parents wisely not spending $200 to buy me Air Jordans that I would have wrecked in two weeks anyway. I grew up in the burgeoning sneaker era, when they were just becoming big-time status symbols, and I wanted what the cool kids had.

    What’s the first thing you remember buying with your own money?

    Oh, baseball cards. It is absolutely 100% baseball cards. And I still have them in a box in our basement. Sadly, I came of age during the absolute peak popularity for kids collecting cards, so they aren’t worth anything, save for the memories. But in 1988, I—and every other kid I knew—would have told you they’d have made me rich by now.

    MoneySense Editors

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  • 10 SMART financial goals to set for 2024 – MoneySense

    10 SMART financial goals to set for 2024 – MoneySense

    You may have to book more sessions after your initial visit, or one might suffice to help you get organized. Heath says, it’s ultimately up to you to determine if you need an ongoing relationship that’s valuable to you and justifies the ongoing fee. “Some clients like the peace of mind and discipline,” he says. “Many couples appreciate having an impartial third party to mediate their financial decisions. Plenty of singles benefit from having someone to talk to candidly about finances in lieu of a partner.”

    The best way to prep for a financial planning session is to ask the planner what they require from you, and then have your documents ready to meet with them, Heath says. That way you can get the most out of your time together, and come out with a solid plan. 

    7. Invest in GICs or other investments

    Arguably, the best financial gift you can give your future self is investments. Depending on where you put your money, you could grow it with compounded interest.

    GICs, for example, are low-risk investments that are great for saving towards life goals like tuition or a wedding. Putting your money in a GIC is like making a loan to a financial institution. You deposit your money for a set amount of time like 30 days up to 10 years, depending on the term, and the institution gives you back your money plus the interest earned on your deposit at the end of the period. If you think there’s a chance you’ll need the money sooner, consider a cashable or redeemable GIC. The interest rate will be lower than with non-redeemable GICs, but you can cash out anytime. 

    One thing to note is the risk/return tradeoff with investments. Riskier investments like stocks can come with higher potential returns. Many young investors start out with exchange-traded funds (ETFs), which are a basket of assets like stocks. ETFs have built-in diversification, which helps reduce your portfolio risk. If you’ve never invested before and you’re not sure how to begin, consider speaking with a financial advisor and signing up for the MoneySense Invest newsletter. And keep reading. Find out if investing is right for you and how to get started:

    8. Make a will and powers of attorney 

    An Angus Reid survey found that 80% of Canadians under 35 don’t have a will. If you’re just starting out in your career and haven’t accumulated many assets, you might wonder why you’d need a will.

    If you were to pass away without a legal will, the government would divide up your estate—your bank accounts, possessions, investments and other assets—between your parents or next of kin. It might not be split up in the way you wish it to be, and if you have a common-law spouse, they would likely be left out. This could cause a lot of worry and distress for your loved ones in an already difficult time. 

    If you want to write a will and you don’t have a complicated tax situation, an online will platform like Willful or Canadian Legal Wills could work. However, if your situation is a bit more complicated, you may wish to speak with a financial advisor or lawyer who works with estate plans.

    Margaret Montgomery

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  • MoneySense’s free Excel template for your monthly budget – MoneySense

    MoneySense’s free Excel template for your monthly budget – MoneySense

    Download: 

    MoneySense monthly budget Excel template

    Instructions:

    • Click the link above to download the spreadsheet tool.
    • Open the file. Enter your personal and household expenses in the columns titled “Planned” and “Actual.” You can use the “Insert” function to add new rows or the “Delete” function to remove them as needed. The “Budget balance” table will calculate the total automatically, even if you delete rows or cells. Note: Avoid deleting the “Subtotal” row in each table, as this will affect the budget balance calculation.
    • If you customize the spreadsheet, be mindful of the formula in the “Budget balance” section. Remember to update it if you add another category to the budget, for instance.

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    More on budgeting:

    The post MoneySense’s free Excel template for your monthly budget appeared first on MoneySense.

    Margaret Montgomery

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  • Study: Too Many Americans Are Making This Retirement Mistake

    Study: Too Many Americans Are Making This Retirement Mistake

    SmartAsset: Alarming number of working Americans cash out retirement accounts when changing jobs

    The very essence of a retirement nest egg lies in the concept of patient growth and compounding of investments over time. Its purpose is to offer a bountiful reserve of funds when one bids farewell to the workforce, ensuring a comfortable retirement. However, a disconcerting trend has emerged, as a significant portion of younger workers succumb to the temptation of prematurely shattering their nest eggs.

    The result is a tax bill, fines for early withdrawals, lost contributions and a diminished – or vanished – account balance likely to come up short at retirement time. We’ll discuss the details.

    A financial advisor can help you organize your retirement savings and make sure you are set up to meet your financial goals.

    Workers Are Cashing Out Their 401(k) When Leaving Their Jobs

    According to a study from the UBC Sauder School of Business, more than 41% of workers who were leaving their jobs cashed out their employer-sponsored 401(k) retirement plans early. That’s up from the pre-pandemic level when about one of every three departing workers withdrew cash or completely emptied their accounts.

    There are a number of financial problems with such a move. One of which is because contributions are tax-deferred, the withdrawals are treated as ordinary income, subject to the worker’s marginal tax rate.

    In addition, the internal revenue service (IRS) takes a second cut, adding a 10% penalty for withdrawals made before age 59.5 (although there is an exception available to workers 55 and older).

    If you’re ready to be matched with local advisors that can help you achieve your financial goals, get started now.

    Other Financial Consequences

    Workers may also sacrifice some of their 401(k) employer’s match if their account isn’t totally vested, which can take as long as four years. In addition, the worker loses out on the valuable long-term compounding for all of that untaxed money.

    And workers who take loans against their 401(k) balances must repay the entire balance before the next federal tax filing deadline. If workers don’t repay the balance before then, the remaining loan balance is treated as a distribution and is treated as taxable income.

    Cashing Out Depending On the Balance

    SmartAsset: Alarming number of working Americans cash out retirement accounts when changing jobsSmartAsset: Alarming number of working Americans cash out retirement accounts when changing jobs

    SmartAsset: Alarming number of working Americans cash out retirement accounts when changing jobs

    There also are situations where employers can choose to cash out your account when you leave the job, depending on the balance:

    Less Than $1,000 Account Balance

    The employer can cut you a check. But it won’t be for the full amount. The IRS requires the employer to withhold 20% to cover income taxes.

    Between $1,000 And $5,000 Loan Balance

    The accounts can be involuntarily rolled over to an individual retirement account (IRA) in your name. That IRA is at least tax-deferred, so you don’t take the tax hit. The bad news is that so-called “forced-placed” IRAs can hit you with big fees that can drain your account over several years.

    More Than $5,000 Balance

    The employer can’t force you out of the plan. You’re free to leave the money right where it is.

    In all cases, your best bet as soon as you know you’re leaving is to contact your benefits department for instructions on having your money rolled over into an IRA at an institution you choose. Any financial institution offering IRAs can handle the rollover for you.

    You also may be able to roll your money directly into your new employer’s 401(k) plan, if that’s allowed. If you have received a check, you have 60 days to deposit that money in an IRA along with enough cash to cover the 20% of the balance that was withheld.

    Bottom Line

    SmartAsset: Alarming number of working Americans cash out retirement accounts when changing jobsSmartAsset: Alarming number of working Americans cash out retirement accounts when changing jobs

    SmartAsset: Alarming number of working Americans cash out retirement accounts when changing jobs

    Workers who cash out their 401(k) balances when they leave a job will be hit with taxes and penalties on the money immediately. And it may not have enough long-term investments to cover their retirement needs.

    Tips for Getting Retirement Ready

    • Retirement planning is complex and can be stressful. If you’re not sure what your vision looks like, consider speaking with a financial advisor. Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.

    • Social Security is another source of income you can expect during your senior years. While you shouldn’t depend on it, it can help cover smaller expenses during retirement. Find out the amount you’ll receive with our free Social Security calculator.

    Photo credit: ©iStock.com/Kemal Yildirim, ©iStock.com/Drazen_, ©iStock.com/shapecharge

    The post Alarming Number of Working Americans Cash Out Retirement Accounts When Changing Jobs appeared first on SmartAsset Blog.

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  • What is financial freedom in Canada? – MoneySense

    What is financial freedom in Canada? – MoneySense

    What is financial freedom?

    Financial freedom is the belief that a certain amount of savings is the ultimate ticket to living a life you want without worrying about money. However, this often means tight budgets, excessive saving and putting off simple pleasures. That could mean not dining out or not taking a spontaneous weekend getaway just to save money, so that one day you can enjoy these things. But when? What happens if it never comes and our time runs out?

    Does financial freedom work?

    To answer this, remember that happiness and a fulfilling life go beyond money. I looked at this in my column “Does money buy happiness?” As you can expect, the answer is: “It’s complicated.”

    The classic novel The Great Gatsby by F. Scott Fitzgerald explores how lavish parties and the impression of having excess money can imply financial freedom. Though fictional, its message resonates. The plot also uncovers the void that material wealth cannot fill. Gatsby tries to win back Daisy Buchanan, his lost love. He discovers money can’t fix the hurtful past. Similarly, Daisy’s husband, Tom, shows that riches don’t protect him from his own personal troubles. Financial freedom isn’t just about reaching a money goal. It urges readers to explore beyond the pursuit of hard work, savings and investments. 

    Let’s move beyond fiction.

    What is Ken Honda’s method for financial freedom?

    Ken Honda is an expert in money and happiness. His bestselling book Happy Money (Gallery Books, 2019) introduces a unique perspective, in that achieving financial freedom involves a delicate balance of two key components: money IQ and money EQ.

    What is money IQ?

    IQ stands for intelligence quotient. This focuses on the knowledge of finance, such as investing, budgeting, taxes and financial literacy—the technical side of money. It’s about the know-how for managing money effectively. From a financial freedom perspective, it means earning and growing enough money until we reach a stage where our investment returns and savings can sustain a life without working.

    What is money EQ?

    Emotional quotient, in contrast to money IQ, revolves around our emotional relationship with money. It is about how money makes us feel, the meanings we attach to it, and its role in our identity. Money EQ delves deep into our attitudes and beliefs towards money and how they affect our well-being. According to Honda, showing your appreciation toward money—thanking it, even—is a vital step towards achieving emotional financial freedom. Honda often says, “when we appreciate our money, it appreciates.” Money EQ involves how we receive, enjoy, share and relate to money.

    Finding balance between money IQ and money EQ

    To find balance between money IQ and money EQ, Honda suggests inviting the concept of “happy money” into our lives. This notion reflects money that not only funds our needs but also adds a positive dimension to our emotional and psychological wellbeing.

    Shaun Maslyk, CFP

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