Jarrett Holmes, CFP®

@justinmanningv @bdkoepke Thanks for sharing Justin! I'd have to agree with the article!

Thought you guys would like this @bdkoepke @JarrettHolmesFP

The analysis by dNovo Group, a Toronto-based digital agency, looked at categories like overall cost of living, pollution scores and cultural and entertainment attractions to determine the Canadian cities with the highest quality of tinybfs.com/t/zsBj9S

@markcecchini Congratulations!!!

Beckham James made his arrival last night at 7:41 coming in at 8 pounds 9 ounces! Mom and Baby are both healthy and recovering well. B, I cannot guarantee much of anything in this life except for the fact that you will never, ever walk this life alone. Love, Dad

@jonrgibson @MarkMcGrathCFP Appreciate that Jon!

@JarrettHolmesFP @MarkMcGrathCFP Hey, here's a referral link for a free month of the Pro version. wisprflow.ai/r?WISPR3631

Wispr's finally launching their android app. One of the most fun waitlists I've seen: wisprflow.ai/waitlist?WISPR…

@jonrgibson @MarkMcGrathCFP Also very curious about this!

@MarkMcGrathCFP @JarrettHolmesFP Dude you're putting in *work*... What are these agents you speak of?

@MarkMcGrathCFP @jonrgibson Wow I haven't stopped thinking of this since I read it yesterday! Even just to send e-mails alone there's so much time to be saved.

Literally everything. I haven't typed anything in 2 days, so I'm using it for multiple conversations with multiple agents across both my MacBook and my Windows PC. I'm using it for some vibe-coding stuff I'm working on. I'm using it to draft emails, and I even used it to draft the response to this tweet This is 2 days of usage. I type around 70 WPM, so it's more than double my typing speed.

@MarkMcGrathCFP @jonrgibson Mark and Jon - I'm curious what specifically you guys are using it for?

@jonrgibson I started using this yesterday and omg I can't believe I slept on dictation for this long Game changer

@j_stock_ @bdkoepke @Byte_Sized_Blog Facts. West Bank land is literally a stone's throw from my deck, but I live in West Kelowna haha.

@bdkoepke @JarrettHolmesFP @Byte_Sized_Blog Jarrett like to remind us it’s West Kelowna not the West Bank

People in Kelowna like to say that we're Canada's California. I disagree. If we're going to be compared to any state, it's definitely Florida.

@j_stock_ @Byte_Sized_Blog @bdkoepke Yikes it sounds like Winnipeg's reputation followed me to Kelowna!

@Byte_Sized_Blog @bdkoepke @JarrettHolmesFP

Originally from Toronto, Maggie now live in the Eastern Townships, Quebec where she spends her summers gardening, and enjoys the winters by cross-country skiing and playing shinny. Welcome Maggie Flynn, QAFP™!!!

She loves working closely with clients to understand what matters most to them and to help them take practical, personalized steps toward their goals.

@j_stock_ and I are very excited to announce that due to exceptional support & demand from the medical community across Canada, we are adding Maggie Flynn, QAFP™, to our tight knit financial planning team at Evidence Based Finance.

@JasonWattBCC @j_stock_ @Cdn4Nortel @MarkMcGrathCFP At a retainer of $3,000/year, an advisor can make a really good living with 80-100 clients, while providing a high level of attention to every client. The client can get really good advice for $3K/year + between .20 and .50% depending how they choose to invest.

@JasonWattBCC @j_stock_ @Cdn4Nortel @MarkMcGrathCFP The mass affluent segment can be well served by a combo of advice only planning via one time plan or retainer engagements, coupled with a robo-advisor or self-directed single asset allocation ETF.

Unlicensed finfluencers giving specific stock purchase advice to individuals you say?

For folks in 🇺🇸 trying to understand 🇨🇦 rn. 🇨🇦’s government powers in order: - The king - Guy who rigged bread prices - China - Prime Minister - Hells Angels/Triads/Mob/Cartel - Bell/Telus/Rogers - Deputy Prime Minister - Prince Andrew - Big Fentanyl - Premiers - ISI

@JasonWattBCC @CanadaTaxGuy @Hintonburgooner For sure - the contract quality is generally not as good in my experience, and I might argue the contracts aren't as well understood given there is less focus on those professions.

@JarrettHolmesFP @CanadaTaxGuy @Hintonburgooner Just concerned about the plumbers and electricians reading this. Disability insurance is so important there, but so much harder to get right.

Accountants: Pay yourself salary from your corporation instead of dividends because it’s better for qualifying for a mortgage. Mortgage brokers: It literally makes no difference. There are good reasons to pay salary. I don’t think qualifying for a mortgage is one of them.

@JasonWattBCC @CanadaTaxGuy @Hintonburgooner Good clarification Jason. I was referring to professional series policies (RBC Ins. and Canada Life) which the bulk of my experience is with.

@CanadaTaxGuy @JarrettHolmesFP @Hintonburgooner What Jarrett is talking about assumes the correct coverage was put in place. Plenty of policies will not respond well to non-salary comp.

@CanadaTaxGuy @Hintonburgooner If you're an owner operator or an incorporated professional, it doesn't matter. The insurer will look at your corporate net income in determining insurable income. If you income split with a spouse but it's clear the corp. income was generated by you, they'll even add that back.

@Hintonburgooner Yeah that’s my understanding but I’m curious if that’s case even if you own your own company. I know that they have riders which can capture other income but would be curious what the base policy is.