This episode covers a full check-up: a cash flow review using the categorization your bank has already done, a realistic approach to emergency savings, and the registered accounts with December 31 deadlines. That includes the FHSA, where room only starts building once the account is open, RESP grant timelines that end sooner than most people expect, the RDSP match, and TFSA withdrawal timing that can cost or save you a year of contribution room.

We also get into RRSP contribution versus deduction timing, tax-loss harvesting and the superficial loss rule, and how to fund holiday spending over the next 15 weeks rather than in December.

Four months is enough time to make a few of these decisions well.

Informational purposes only — not legal, tax, or financial advice.

In this episode:

• Rent vs. own in retirement — including the landlord risk most people never think about
• The hidden costs that quietly turn a "downsize" into an accidental upgrade
• Carrying a mortgage into your 70s, 80s, and beyond — and when it actually makes sense
• Reverse mortgages: how they really work, who they're for, and what to watch out for
• Estate myths that cost families dearly — probate, putting your kids on title, and joint bank accounts
• Multi-generational living and ADUs: the pros, the tax traps, and the cleanest way to set it up

In this episode, we cover: • Navigating the First Home Savings Account (FHSA) • Leveraging the RRSP Homebuyers’ Plan • Breaking down the new Federal/Provincial HST rebate for new home builds and significant renovations

Important FHSA Note: While contribution room accumulates when you open an FHSA, you can only contribute a maximum of $16,000 in any given year ($8,000 for the current year plus $8,000 carried forward). Keep this in mind if your strategy is simply to open the account to let the room build!

If you missed Part 1 covering our comprehensive Windsor Essex real estate market update, be sure to go back and give it a listen.

Subscribe and leave a review if you found this episode helpful!

In Part 1, we are diving deep into the current state of the Windsor-Essex real estate market. Whether you are looking to buy or sell a home in 2026, you'll hear essential tips, market trends, and insider insights to help you make the best financial decisions.

Joining Ben for this premier series is a powerhouse panel of local experts: • Sebastian Schmoranz – Lawyer (Kingsville, ON) • Alyssa Ismail – Real Estate Agent (Windsor-Essex) • Rob & Sandra Zanet – Mortgage Brokers, Indi Mortgage Co. (Windsor-Essex)

Coming up later in this series: Make sure to subscribe so you don't miss our upcoming roundtable episodes where we'll cover incentives for first-time home buyers, and a special deep dive for retirees (including downsizing, reverse mortgages, and keeping a mortgage in retirement).

Tune in and get your mindset ready for the 2026 market!

From the new "Middle Class Tax Cut" reducing the lowest marginal rate to 14%, to the often-overlooked tax implications of buying and selling precious metals like gold and silver, we cover it all. Josie also shares critical advice for pension holders who might be over-contributing to their RRSPs and explains the latest updates to the Canada Disability Benefit.

In this episode, we cover:

• The Middle Class Tax Cut: How the rate reduction from 15% to 14% impacts your take-home pay starting July 2025.

• Disability Tax Credit: Updates to the benefit amount (now over $10,000) and how to transfer credits to a supporting family member.

• Precious Metals: Why the CRA treats gold and silver as capital assets and the importance of keeping your receipts.

• The RRSP Trap: Why having a good pension might mean you should think twice before maxing out your RRSP.

• Filing Tips: How to organize your T4s and receipts.

We break down exactly how an RRSP works, why it’s described as a "container" rather than the investment itself, and how it can help you lower your tax bill today while saving for tomorrow.

In this episode, you’ll learn:

• A "Container": Why an RRSP isn't an investment itself, but a home for your stocks, bonds, and ETFs.

• Tax Hacks: How contributions reduce your taxable income (and might even boost benefits like the Canada Child Benefit).

• Strategic Planning: The difference between Individual and Spousal plans and when to use them.

• RRSP vs. TFSA: A simple comparison to help you decide where to put your money first.

• Hidden Perks: How to use your RRSP to buy your first home or fund your education.

Whether you are rushing to meet the contribution deadline or just starting your financial journey, tune in to ensure you aren't missing out on potential tax savings!

Listeners will learn:

• Why charitable giving adds purpose to your finances and helps support causes you care about.
• How charitable donations can teach children that money isn’t just about personal gain.
• The mechanics of Canada’s donation tax credits, including federal and provincial rates, eligibility, and strategies for maximizing your tax benefit.
• Special considerations for high-income donors, donations of publicly traded securities, and unique credits for farmers in Ontario.
• Practical examples, such as how a $1,000 donation can result in significant tax savings, and tips for carrying forward donations or grouping them with a spouse.

If you’re among the many Canadians who donate to charity but aren’t sure how it helps at tax time, this episode will give you clear, actionable insights to thrive financially while making a difference.

Are you really getting the most out of your TFSA? Tune in to find out.

We explore key legal differences, financing challenges, hidden costs, and how to navigate builder contracts. From zoning surprises and Tarion warranties to construction loans and mortgage timelines, this episode covers everything buyers should consider before committing to a pre-construction or newly built home in Ontario.

Whether you’re a first-time buyer or just curious about the process, this episode will help you feel informed and confident when considering a new home build.

You'll learn:

• Why starting to save early (even small amounts) is a game-changer

• How diversification protects not just your money, but your peace of mind

• The dangers of overanalyzing short-term market movements

• What ancient wisdom from Solomon can teach us about smart investing today

This episode isn’t about chasing the next big thing—it’s about building a stable, long-term plan that actually works.

In this deep dive, she explores common estate planning issues, including: 

• The biggest mistake people make in estate planning. 

• Financial indicators that suggest that it’s time to set up a trust. 

• Different types of trusts. 

• How certain trusts can help bypass probate, maintain privacy, or expedite asset transfers to beneficiaries. 

• The potential fee structures associated with trusts. 

• Strategies for second marriages—ensuring assets pass to children while providing for a spouse. 

• The role of pre-nuptial agreements in estate planning. 

• Essential information for those named as a Power of Attorney (POA). 

• Joint finances and bank accounts—their pros, cons, and relevance in estate planning. 

This discussion is packed with valuable insights, resources, and practical advice for anyone looking to build a solid estate plan. Don't miss this opportunity to empower yourself with knowledge! 

As a lawyer with Hogarth Hermiston Severs, Ashley is passionate about helping individuals secure their hard-earned legacies and pass them on to future generations in practical, tax-efficient ways. Her expertise spans Estate Planning, Probate, Estate Litigation, Estate Administration, Adult Guardianships, and Real Estate. 

We'll discuss:

• How the markets performed in 2024
• Economic challenges and key updates
• Upcoming tax information and rebates
• Practical steps for financial planning in the new year

Amid the hustle and bustle of the season, we’ll remind you of the importance of sticking to your financial plans and maintaining a long-term perspective on savings and investments.

Join us for a special Clear Money Mindset episode as we wrap up 2024 and prepare for a strong 2025!

Grab a seat and take a listen as your favorite neighborhood lawyer breaks down essential topics like: 

• Should you incorporate? Key advantages and disadvantages 

• Taxation and liability considerations 

• Partnerships vs. sole proprietorships 

• Transitioning between corporate structures 

• Family business succession 

• Share structure 

• The role of a lawyer and accountant in business setup 

In today’s podcast, we’ll break down the powerful RESP (Registered Education Savings Plan). This savings tool is designed to help parents and guardians save for their child’s post-secondary education, offering some amazing perks.

We'll cover how the RESP works, the types of contributions you can make, and how the government boosts your savings through the CESG (Canadian Education Savings Grant) and CLB (Canadian Learning Bond). Plus, we'll dive into some lesser-known facts and share tips on how to maximize the value of this account.

Grab your notebooks—class is in session! We’re here to guide you on how to start, manage, and fully take advantage of this account, helping you set your child up for success in their post-secondary education.

We've got mystery, excitement, and all things real estate! Ben is joined by Rob & Sandra Zanet from Team Zanet Mortgage Brokers, Alyssa Ismail from Century 21 Local Home Team Realty Inc., and Sebastian Schmoranz from MSSH Lawyers. Tune in as we dive into bridge financing, peak closing times, non-negotiable conditions, commercial vs. residential, quirky properties, and much more. This info packed conclusion is chock full of everything you need to know to purchase/sell a home in 2024.  

Answer: An informative podcast that can help empower you if you are buying or selling a home. 

Navigating the real estate market is no joke, especially with the ever-changing climate of interest rates, mortgage rules, affordability, inflation, and post-pandemic recovery. Luckily, we've assembled a dream team of real estate professionals to provide a comprehensive view from start to closing and beyond. 

The Roster Includes: 

• Ben Davies – Your host and financial advisor, and the overall referee of the podcast. 
• Rob and Sandra Zanet – A dynamic husband and wife mortgage broker team with Team Zanet, discussing mortgage rates and today's lending climate. 
• Alyssa Ismail – A knowledgeable and caring real estate agent with Century 21, Local Home Team Realty Inc., sharing tips and experiences. 
• Sebastian Schmoranz – A straightforward and honest lawyer with MSSH Lawyers, offering the legal advice you didn’t know you needed but will be happy to have. 

Expect laughter, banter, and plenty of “aha” moments as our experts share their real-life experiences, tips, and practical advice in this roundtable discussion. 

Grab your favorite beverage, sit back, and let’s talk real estate! 

Tune in to our latest episode of The Clear Money Mindset, where we provide a spring update on the ever-evolving real estate market of 2024. Joining Ben is special guest Sebastian Schmoranz, a seasoned lawyer from McGregor, Sims, Schmoranz, Hart Professional Corporation based in Kingsville, Ontario. 

In this episode we explore current trends in the real estate market. This year looks to be a game changer for real estate, from rates coming down to the return of purchasing conditions. Other things we are musing about include: 

• Commercial & Private Real Estate 
• Conditions you should include on your home offer 
• How to protect yourself from a simple mistake that could cost you thousands 
• Appraisals, Overbidding and multiple bidders 
• Investment Property Market, rentals & flipping 

Whether you're a first-time homebuyer, a seasoned investor, or a real estate professional, this episode provides you with the latest information that you need to know to navigate the dynamic real estate landscape in 2024. 

• Multigenerational home renovation tax credit 
• Property flipping changes 
• Changes to the temporary flat rate method for home office expenses 

 Whether you're a seasoned investor or just trying to stay ahead of the tax game, this episode is packed with invaluable information to help you navigate your 2023 return.  

“Think of success as a four-legged table, with each leg representing a quadrant. Each quadrant depends on the other.  If they don’t all play their part equally, the table collapses. If one leg is spindly or cracked, it’s tough to maximize your life satisfaction, no matter how solid you might be in the other quadrants.” 

In our latest podcast Ben had the pleasure of chatting with Andrew Hallam, author of the personal Finance book Balance. Andrew is the first person to have a #1 selling finance book on Amazon USA, Amazon Canada and Amazon UAE. Balance is a book about finding the harmony between money management and living a fulfilling life.  

In this podcast Andrew talks in depth about the experiences in his life that have helped shape his attitude towards money. His focus and inspiration for this book is about recognizing the things you want in life, and redefining success, using money as a tool to help fund the things in your life that bring you joy and fulfillment.  

You will not want to miss this podcast that can help you learn how to master the art of balancing your financial health with your overall happiness. 

Don’t miss out on the general merriment of: 

• Dad Jokes 
• Eggnogonomics 
• Christmas Trivia 
• Fun Festive Facts  

Grab a cup of Christmas cheer (and whatever you put in it to get it that way), throw your mistletoe outside & get ready to learn while you listen to a podcast that we hope is as fun to hear as it was to make. If it is not, don’t say we didn't warn you. 

The Clear Money Mindset & Davies Financial wish all of our listeners and clients a happy and safe holiday season. See you in 2024! 

- 🚀 Elevate your financial knowledge and make informed decisions for you and your family. - 📈 Learn why Critical Illness Insurance is a key player in your financial portfolio. - 🔒 Your greatest asset is yourself, and from a financial perspective, it's your capacity to generate income so you can provide for you and your family.

This episode is dedicated to exploring Disability Insurance, Jamie Kenrick of RBC insurance joins Ben and offers his expert advice as we navigate this critical aspect of financial security that will empower you to protect you and your families future.

A Will is a great start to an Estate Plan and sometimes a properly done Will is enough, but sometimes a Will is not the best option when it comes to our final planning needs, and it can fall short - leading to a costly and stressful settlement after our death. In today's podcast we have Ashley Harmon, a Lawyer, and Partner with Hogarth Hermiston Severs LLP. Ashley specializes in Estate Planning. Ben and Ashley shine some light on a topic that is not always openly discussed but is important to understand, having a proper plan in place is essential and it can help relieve some of the burdens on your family after you pass away.  

Some of the topics include:   

➡️The difference between a Will and an Estate.  

➡️The scope of a Will.  

➡️The various components of Estate Plans.  

➡️How and when an Estate plan may be more advantageous than a Will. 

➡️The legal considerations of both Wills & Estates.  

Many people think of life insurance as a product that protects your loved ones in case of your death.  We don't always think of using it as an overall investment strategy, but there are some interesting ways you can use life insurance to build and transfer wealth. In this latest episode Ben spills some creative ways that you can use life insurance. Some highlights include using insurance in retirement to optimize your income, using life insurance to offset inheritance taxes on a property, topping off retirement savings and, using life insurance to receive tax deduction or lower taxes on your estate through charitable donations.

The First Home Savings Account – A unique new investment account that we are excited to share with you. This is the multitool of savings vessels and offers the non-taxable withdraw of a TFSA with the Tax deduction of an RRSP. You can contribute up to $8,000 a year with a lifetime maximum of $40,000. This plan is designed to be used as a down payment on your first home. If for some reason you decide against buying a home with it, it rolls into a RRSP or RRIF. Ben talks about this product on the podcast today, where he gets into the nitty-gritty details that you should know.  

You have heard of it, you may have some, or at least know that you should have it.  

Life insurance is something you, yourself, will not use but could mean everything to your family. In a world of ever-increasing costs and expectations, peace of mind in knowing that your loved ones will be taken care of in the event of your death is important (this is especially true in single-income homes with dependents). 

The life insurance industry does not have to be scary or intimidating, in this episode of The Clear Money Mindset Savings Snippets Ben demystifies the life insurance industry by quickly talking about some of the questions our listeners have about life insurance.  Unfortunately, we know first-hand how having this type of insurance in place can help someone, at least financially, through one of the most challenging times in their lives. From funerals to mortgage payments to supplemental income, life insurance can help though a broad array of final expenses and beyond.  

Be sure to watch Davies Financial –Sterling Mutuals on Facebook and Instagram for more information on life insurance, facts about it and how to make sure that you are covered.  

On our cast today we are chatting about: 

-TFSA Contribution Limits. 

- Canada’s First-Time Home Buyers Incentive. 

- RRSP Contribution deadlines (you still have time to contribute for 2022). 

- The important latest information regarding CRA my account and changes to account logins and how to share with your tax professional. 

- Working from home and self-employed write-offs. 

- What you can do now to start getting your taxes ready. 

The Davies Financial Team is at it again, bringing on the holiday season with our Christmas Special Podcast Version 2.0. Ben, Andrea and Victoria get in the holiday spirit with some holiday trivia, fun festive facts, nostalgia, laughs and we’ve even thrown in some facts on how to stay safe when buying online (after all, it is a financial wellness podcast).  

To all of our listeners and clients, we wish you a Merry Christmas and a Happy New Year, see you in 2023! 

When we think of a budget, we don’t always jump up and down with excitement. It can seem daunting and make us feel restricted. What good is a budget if it is too rigid to stick with? 

Enter PocketSmith, a New Zealand based budgeting app company, this app is as unique and individual as the person using it, it can help create flexible and sustainable budgets. When a client recommended this to us, Ben contacted the company, and they were an absolute joy to deal with. Ben was able to chat with Jason Leong, CEO and Co-Founder and the rest...well, you can listen to in this episode.  

Whether this is your first-time using budgeting software or you are a seasoned veteran, this app has it all: integrations from your bank account, customized and flexible budgeting options, future forecasting and even  allows budget sharing with your financial advisor. This podcast is highly informative and as an added bonus, we are teaming up with PocketSmith to give away a couple of one-year subscriptions so you can see what is under the hood and really get to know the app.  

To enter, send us a screenshot of a 5 star review on Spotify or Apple Podcasts of your favourite podcast (The Clear Money Mindset 😉). Good luck to all of our listeners and happy budgeting! 

Want to know more about Pocketsmith?

PocketSmith – The Best Budgeting & Personal Finance Software

On this episode of "The Clear Money Mindset" we will walk you through the basics of the Registered Education Savings Plan.

• Who can open an RESP?
• What does the government contribute?
• What kind of school can I use the funds for?

All these questions and more on the first of our "Savings Snippets" episodes!

Rob Zanet of Axiom Mortgages continues his conversation with Ben as he provides more professional insight into the mortgage world. In the second part of this 2 part podcast Rob discusses his experiences with re-financing (this may be a big trend over the next few years), private mortgages, stress tests, and much more including variable versus fixed mortgages. 

With the cost of housing going up, those who are looking to buy a home (or refinancing your current home) must work hard to save money. This is where the mortgage broker – a professional whose job is to find you the best mortgage rate, enters the conversation. Rob Zanet of Axiom mortgage walks you through what you need to know in part one of this 2-part podcast including: 

• The benefits of using a Broker. 
• Sources that Brokers can use. 
• What are the types of lenders and should you be concerned about “lesser known” lenders. 
• How Brokers are compensated. 
• Tips and Advice that could save you thousands in interest. 

Rob Zanet and his wife Sandra have collectively over 50 years of mortgage experience in Windsor & Essex Country and currently operate Axiom Mortgages that locally has 2 offices located in both Tecumseh and Leamington.  

• Any of y0ur p@$$w0rd$ l00k l!k3 Th!S. 
• You have used any password or part of a password more than once. 
• You use words, patterns, or personal information in your password.
• You use verification questions that are easy.

We also discuss: 

• Are call phone biometrics safe/secure? 
• How to protect your account and information. 
• Why 2-way authentication is so important (tip, you can set this up in your Sterling portal) . 

In the second and final part of this two part podcast Ben continues his talk with Chris Martin – Staff Software Engineer with Mozilla Firefox as they discuss the password debacle and gives some suggestions on how you can increase your security in the online world.  

- The importance of credit monitoring - The problem with pools and how to protect yourself - What your Real Estate Lawyer does and why it is important - Home warranty tips and tricks

Thank you to Sebastian Schmoranz, Managing Partner at McGregor, Sims, Schmoranz Law Office

Todays podcast is exactly that. We will begin a two part series with  Sebastian Schmoranz, Managing Partner at McGregor, Sims, Schmoranz Professional Corporation.

Sebastian obtained his Bachelor of Arts (Hons.) in French & Business from the University of Waterloo in 2009. He graduated from Western University's Juris Doctor program in 2013 and was called to the Ontario Bar in 2014. He began his career at a large Bay Street firm which helped him develop a strong work ethic and the ability to solve complex problems while under pressure. He came home to practice law in Kingsville in 2016 and purchased the firm from Terrence L. Sims in 2020. 

In this and the following podcast Sebastian will walk us through all things Real Estate, and give us a sense of the market conditions today. In this insightful discussion Sebastian walks us through the Real Estate process from beginning to end and gives some great insight for any who are looking to get into the market.

Law Office | McGregor, Sims, Schmoranz Law Office | Ontario (msslawyers.ca)

We have also issued a newsletter on this topic, it can be found at the link below.

Global Uncertainty & Your Investments 

Josie Hope, CPA, CMA is a Partner at LJ Business Solutions. More information on Josie can be found at Income Tax | Bookkeeping | LJ Business Solutions | Ontario (ljbizsolutions.com)

Ashley Harmon - Lawyer | Facebook

Do you how many tons of turkey are produced in Canada?

What do you know about the lucrative Christmas tree industry?

Who at Davies Financial is on the naughty or nice list? 

Grab yourself a bowl of fish soup, crack some eggs into your mug and chew a stale candy cane because this podcast is a must listen and is sure to help to put the HA in HAppy holidays. 

A Very Davies Christmas Special - Davies Financial

Life is busy, and managing spending can be a challenge.

If you are like most people, and you struggle to find a way to plan your spending each month, this episode is for you.

We are going to be talking budgeting with Jesse Mecham.

BIO

Personal finance expert, speaker, and business leader, Jesse Mecham is the Founder of You Need A Budget (or YNAB if you are very busy and important). Jesse hosts the You Need A Budget Podcast, the Beginning Balance Podcast and is the Wall Street Journal best-selling author of, You Need A Budget. (He’s nothing if not consistent!) A self-proclaimed “recovering CPA,” he is deeply passionate about teaching individuals, families, and business owners YNAB’s Four Rules to help them gain total control of their money. Jesse first developed the YNAB method and original spreadsheet as a broke, newly married college student who really needed a budget. In an attempt to make an additional $300/month to cover rent, he sold his spreadsheet online and YNAB was born. Since 2004, the software has grown into a leading personal finance platform and has helped hundreds of thousands of people break the paycheck-to-paycheck cycle, get out of debt, and save more money. Now, YNAB has a growing team living and working all around the world, and has built a thriving remote culture that earned recognition as Fortune’s #1 best small company to work for. (YNAB was doing remote work before it was cool!) When not teaching people how to budget, Jesse loves gardening, woodworking, marksmanship, and travel. He also spends a good bit of time with his wife and the seven small people that live in their house. To learn more, visit www.youneedabudget.com.

Continuing our 2021 Fall Market update mini-series we speak with Derek Reinhart, District Vice President, Sales at CI Global Asset Management. He and Ben discuss the outlook on current and future markets. Derek gives us a sneak peek into the minds of some of CI’s fund managers, their take on the current volatility, inflation, as well as the 'nervous bull market.' 

So many people are wondering what is next for markets and the economy. We have had a lot of phone calls lately, you are wondering what the next phase in the recovery looks like. And you should, if you are invested, its your money, you should care.

So, we are doing something new. 3 Podcasts over 1 week, giving you three different fund companies perspectives on the markets. We will start off with Ogi Todorovic from Fidelity Investments, he will let us know Fidelity's current outlook on the final months of 2021 as well as a look into 2022. Keep your open for the next two interviews within the 7 days.

We also take a quick look at market conditions, and review some things to keep in mind as the market experiences a bit of volatility.

Today we will talk with Josie Hope, CPA, CMA as she walks us through some ways we can stay financially fit, in a fast paced world.

BIO

Josie is an accountant and a co-founder of LJ Business Solutions. She is also a fitness professional. Josie blends her passions for fitness and finance by educating and empowering others to create healthy habits to optimize their physical and financial health.

Sterling has a unique story and perspective on the Industry. Today we will talk with Nelson Cheng the founder & CEO of Sterling Mutuals. We will discuss how Sterling began and the national success this local company has become.

Chief Executive Officer

As the founder of Sterling Mutuals Inc. in 1996, Nelson entered the mutual fund industry in 1987 where he assisted in building one of the largest financial planning offices in the Windsor area. Nelson's background as an advisor represents a key asset to the firm, as he is thoroughly familiar with the day-to-day realities faced by Sterling's advisors. Nelson's inherent understanding of the needs of advisors, along with his natural talent for computer programming, have also been instrumental in helping him to build Sterling's robust back-office software system.

If you are expecting to get a decent tax return cheque this year, it is a good idea to make a plan for that money before it gets here, and a 75" TV magically appears on your wall.

It is not hard to spend a big cheque, especially if you have no plan.

Today we want to talk about some things you could do with your tax refund to help improve your financial situation.

We will be discussing the Market Outlook for 2021 and we are also going to be giving some tips on how to use an RRSP to make the most of your 2020 tax return. 

You could argue that this is a year where charities are greatly needed, but this will also be a year where they may receive less donations than usual.

We want to walk through some of the tax benefits of a Charitable donation and the different ways you can support your favorite charity this holiday season.

www.canada.ca/en/services/taxes/charities

Free Market Volatility & Markets Chart

In this Episode we want to ask our listeners if you are getting the most out of your TFSA?

Get a free TFSA Factsheet 

When asked what TFSA's are used for, many Canadians will tell you its a simple savings account where you pay no tax on what you make. Many institutions have sold them this way.

Short term savings is one of the many uses for a TFSA, but it certainly is not the only use. Today we are going to discuss how you can get the most out of your TFSA.

Check out this TFSA Vs. Regular Investment Calculator https://ci.com/en/resources/TFSA-vs-taxable-investment.html

Visit our website today and get your free "Financial Benchmark" www.daviesfinancial.ca 

Philip Petursson - Chief Investment Strategist and Head of Capital Management at Manulife Investment Management

Listen in as we discuss the outlook for the coming months and years.

Manulife Viewpoints Link: Stay on top of recent market movements with timely insights from our experts.

Link to Philip Petursson’s Podcast

There is a lot of uncertainty right now in peoples finances, I want to take a few minutes to provide you with some tips that will help you and your family create more financial certainty in an uncertain time.

A lot of us suffer from the problem of worrying about the things we cannot control and not worrying about the things we can control. For many, your biggest chance of financial success lies more in taking care of the things we can control and worrying less about things outside of our control.

Today I'm joined by Ogi Todorovic from Fidelity Investments, he will take us through current market conditions, and give us some perspective on where we stand as we look ahead to the recovery from the pandemic.

The opinions expressed are those of the participants, are for informational purposes only, and do not necessarily reflect the views or opinions of Sterling Mutuals Inc. Mutual Funds provided through Sterling Mutuals Inc.  Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. 

He gives some great insight and tips for managing your emotions in a difficult market.

The opinions expressed are those of the participants, are for informational purposes only, and do not necessarily reflect the views or opinions of Sterling Mutuals Inc. Mutual Funds provided through Sterling Mutuals Inc.  Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.