The term “elder abuse,” so commonly used today, evokes images of caregivers physically mistreating the elderly. However, there is much more to elder abuse than physical mistreatment.

The Government of Canada has defined elder abuse as “any action by someone in a relationship of trust that results in harm or distress to an older person.

Whether markets are trending up or down, investors can benefit psychologically and financially by focusing on their time horizon.

Psychologically, it’s helpful to focus on the long-term objective and recognize that, historically, markets have tended to trend upward over time. Financially, a down market is a buying opportunity.

A great many of the situations that arise among family members involve not only personal issues but also a financial element. Managing a situation may go more smoothly if you involve us on the wealth planning side.

Here are a few examples of how individuals and their advisor may approach a family matter.

The Old Age Security (OAS) program provides a guaranteed stream of income to Canadians in retirement – but those with taxable income above a threshold (in 2025, $93,454) start losing some of their OAS to the pension recovery tax (commonly referred to as the clawback).

It’s a rapidly growing social media phenomenon in Canada and worldwide. Financial influencers, or finfluencers, use YouTube, Instagram and other platforms to reach millions of followers.

We expect Donald Trump in power to be, on balance, positive for U.S. markets. Trump also has 11 billionaires in his cabinet, whereas Biden’s cabinet had a combined net worth of $100M.

Meeting numerous goals can be a challenge in itself, but you don’t need a long list of goals to face a dilemma. A younger millennial could be diligently saving for a down payment and wondering how important it is to also save for retirement right now.

Interestingly, when stock markets reach new highs, different investors may react in opposite ways. Some investors are elated and want to make the most of a booming market. Others are fearful that what goes up must come down.

A donor-advised fund (DAF) is a flexible charitable vehicle you can use to flow donations through to your favourite charities today and as part of your estate planning. However, the administrative burden and costs are much lower with a DAF.

Even if you are a registered donor, there is no guarantee you will be one, but there is a chance you can save someone’s life and give them the opportunity to enjoy a better quality of life.

Remember that many people would not be alive today if it weren’t for all the families who, in the midst of their heartbreak, made the decide to donate organs and give the biggest gift of all.