Newsletter

The trade-offs, and what they mean for you.

My job is to highlight the trade-offs, make sense of how financial markets work, and translate what a change in any area of your plan (tax, law, investments, insurance) means for you. Written for incorporated owners and retirees, in plain language.

What you get

Useful, and short.

  • One real question per issue, worked through the way I’d answer it on a call.
  • Plain language, with any jargon glossed the first time it shows up.
  • Sent when there’s something worth your time, from weekly to a couple of times a month. One-click unsubscribe, always.

Recent topics

The kind of thing that lands in your inbox.

Salary or dividends: how to actually decide

The trade-offs that matter: RRSP room, CPP, the corporate tax bill, and why the answer changes with your income.

What to do with cash sitting in your corporation

Working capital first, then the rest. A framework for the amount that isn’t doing anything.

Which account to draw from first

A withdrawal order that keeps you under the OAS threshold and out of a bracket you didn’t plan for.

How to read what global markets are doing

Making sense of a market move, and how a mix of asset classes is meant to behave through it.

What the asset classes are actually for

Stocks, bonds, cash and the rest: the job each one does in a plan, and why the mix matters more than any single pick.

How to read an investment performance report

What the numbers mean, what to compare them against, and what to ignore.