What I noticed after 8 years inside a major bank

For eight years, I worked as a Financial Planner with a major Canadian bank. I learned structure,
discipline, and the importance of long-term planning. I also saw how most portfolios are built
and maintained inside large institutions.

Over time, one pattern became clear: many portfolios are designed once, placed into a balanced
model, and revisited far less often than markets — and life — actually change.

The quiet problem with “set-and-forget” portfolios

Markets aren’t static. Interest rates change. Economic cycles shift. Tax rules evolve. And
personal circumstances change as well.

Yet many portfolios remain largely unchanged. That approach can be simple — but it isn’t
always adaptive when conditions move meaningfully.

So why did I go independent?

Four years ago, I moved into independent practice so I could work more closely with clients
and take a more hands-on approach to financial planning.

• Reviewing portfolios as markets and rates evolve
• Rebalancing when allocations drift
• Considering tax efficiency, protection, and lending together
• Aligning strategy with real goals — not just a model portfolio

What “active management” really means

Active management isn’t about chasing headlines or constant trading. It’s about staying
engaged, revisiting assumptions, and making thoughtful adjustments when conditions change.

In short: less autopilot, more intention.

Why this matters heading into 2026

As we head into 2026, I’m opening conversations with individuals and families who value a more
adaptive, coordinated approach to financial planning — across investments, insurance, and
mortgage strategy.

A simple question worth asking

Is my portfolio still aligned with today’s market environment and my real goals?

Better outcomes often start with better questions — and a plan that can evolve.

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