As a financial advisor, one of my favorite things is growing with my clients and having a front row seat to their life's successes. Over the years, we share great conversations and together find ways to achieve the optimal financial balance of planning for tomorrow while enjoying life today.
As a financial advisor, one of my favorite things is growing with my clients and having a front row seat to their life's successes. Over the years, we share great conversations and together find ways to achieve the optimal financial balance of planning for tomorrow while enjoying life today.
As a financial advisor, one of my favorite things is growing with my clients and having a front row seat to their life’s successes. Over the years, we share great conversations and together find ways to achieve the optimal financial balance of planning for tomorrow while enjoying life today.
As a second generation financial advisor, I was exposed to the financial industry at an early age and began working in the financial planning industry in 1993, after graduating from Simon Fraser University. I started my practice in 1995, acquired my Certified Financial Planner (CFP) designation in 2000, and joined RGF Integrated Wealth Management in 2003. In recent years, I have been invited to speak and participate in numerous industry organizations, both in Canada and internationally.
North Vancouver is my home with my wife, Barbie, and 3 young-adult children, Grace, Charlie, and Morgan. Away from the office, in the summer you may find me on Keats Island, on the golf course, or on a bike… and with skis or hockey skates on my feet in the winter.
Advocis – The Financial Advisors Association of Canada
FP Canada
Financial Planning Association (FPA)
Million Dollar Round Table (MDRT)
Conference for Advanced Life Underwriting (CALU)
BA (Simon Fraser University)
CFP® (Certified Financial Planner)
CIM® (Chartered Investment Manager)
FCSI® (Fellow of the Canadian Securities Institute)
Bryson is a Portfolio Manager with CIRO in BC and ON. He is a licensed insurance agent in BC and ON.
Over the past few weeks, the military conflicts in the Middle East have dominated headlines and contributed to increased market volatility. During periods like these, it is natural to feel uncertain about your investment portfolio. However, this is a great time to remain diligent and revisit one of the most important foundations of your investment … Why Diversification & Diligence Matters in Uncertain Times
Last month in its budget, the BC Government changed the interest rate policy for the Property Tax Deferment Program. For many who have been deferring their property taxes, this now raises a significant question about whether or not to keep deferring their property taxes. The details are that under the old rules, the interest rate … BC Property Tax Deferment Program
Quarterly Commentary: Geopolitics and Investment Implications for 2026 As we look ahead into 2026, geopolitics remains one of the most important, yet often misunderstood, forces that shape global markets. Political developments rarely move markets in straight lines, but they do influence long-term trends in growth, inflation, interest rates, and risk premiums. Understanding these dynamics helps … Quarterly Commentary – January 2026
WHAT TO MAKE OF INVESTING IN ARTIFICIAL INTELLIGENCE? I recently read an article in The Atlantic questioning if AI will really improve the global economy to the level it’s promoted to be. It was a good read and an idea I’ve been batting around in my head for a while. Which led me to wonder, … Quarterly Commentary – September 2025
WELL, ISN’T THIS INTERESTING?! For those of us who grew up in the 80’s, you might recognize this phrase. For me it will always make me think of Dana Carvey as the Church Lady on Saturday Night Live! Yes, many nights in my tweenaged years babysitting late on a Saturday night watching SNL… it was … Quarterly Commentary – July 2025
STAYING FOCUSED Appropriate phrases for the current global financial situation as created by President Trump… “It’s a riddle wrapped in a mystery inside an enigma!” – Winston Churchill “The dumbest trade war in history!” – The Wall Street Journal (stated many times recently) “Canada? We’re picking a fight with our most reliable and pleasant friend, … Quarterly Commentary – April 2025
Trump and Tariffs Again Four years ago, did you think we would be talking about Trump moving back into the White House?! I know I didn’t! But here we are, and the big topic is again… tariffs. Thus, as a refresher, here is the commentary I shared in the summer of 2018… “What’s old is … Quarterly Commentary – January 2025
It’s safe to say that the loudest conversation of 2024 has been the US presidential election. It’s almost a movie script, and we’re just building to the climax with no clear outcome! With the election in mind, many clients have asked me how much will the outcome shape the investment markets for the end of 2024 and into 2025?
Having a recreational property is really something special. Homes are where parents parent, but at the cottage/cabin/camp, parents are “way more fun!”
And just like that, we are in the middle of summer! Some years really seem to drag, but not 2024! Nonetheless, I wanted to give you a quick update of what we have seen so far this year in the investment markets.
You’ve often heard me say: “When it comes to investment returns over the next 10 years, you’re going to love us for 2, loath us for 2, and forget my last name for 6!”
Is it just me, or does it feel like we have been dealing with an uncertain economy for a long time? It has only been 2 years since things began to slide, but it feels like a decade!
I just returned from a conference where the global economy, investment markets, and the geopolitical situation were key topics.
Given the interest rate increases over the past 18 months, mortgage questions are now a very regular discussion.
We are now well into 2023 and a common question is, “How do I think the markets will behave for the rest of the year?”
Over a typical 10-year period based on investment returns – you’re going to love us twice, hate us twice, and be indifferent to us six times. What this actually means is that over a 10-year period, the market typically goes up dramatically twice (the years you love us), goes down dramatically twice (the years you … Why Market Volatility Is Normal
Let’s set the scene. It is the end of the day, and you are now finally able to relax for the evening. As you sit down on your cozy couch in your living room to relax, your brain starts to ponder your mental to-do list. You have managed to set aside some extra cash throughout … Your Savings Options Explained: RRSP, TFSA, and FHSA
The BC provincial government released its 2026 budget , which included proposedchanges to the terms of the property tax deferment program. Background Many BC homeowners use the province’s Property Tax Deferment Program, which lets themdefer property taxes on their principal residence through a low-interest provincial loan. Historically, interest was “simple interest,” sheltering participants from compounding … Changes to the Property Tax Deferment Program
For many families, supporting the next generation is a core financial value. Parents and grandparents often want to help their adult children (or grandchildren) get ahead, whether that means saving for a first home, investing early for long-term growth, or reducing the burden of education costs. The challenge? Doing so strategically, tax-efficiently, and without triggering … Smart Wealth Transfer to Adult Children: Using FHSAs, TFSAs, and RESPs
The death of a loved one is a significant emotional event, and navigating the administration of their estate can be complex. Central to this process is the executor – also known in some provinces as the estate trustee or liquidator (in Quebec). The executor plays a crucial legal and fiduciary role in ensuring the deceased’s … The Role of the Executor
To help you organize for the upcoming tax season, here is some pertinent information regarding estimated tax receipt mailing dates. Document Mailing Deadline RRSPContribution Receipts Investors will receive an RRSP contribution receipt for any contributions made after the first 60 days of 2025 and one or more separate contribution receipts for any contributions made in … Important Year-End Tax Filing Information 2026
Sometimes I ask myself, “Are our clients utilizing all the savings plans offered by our government?” For example, one type of government savings plan is the RDSP or Registered Disability Savings Plan. It is a long-term plan designed to help individuals (i.e. beneficiaries) with disabilities and their families to save for the future. To qualify … RDSP Basecamp: Learning the Basics of an RDSP and How It Can Help You
Case Study: Jack and Jill, both 60, are a few years from full retirement. They own a mortgage-free townhouse and have accumulated $1.5 million in retirement assets split evenly between fixed income and global equities. Jill has a defined benefit pension of $3,400/month starting at age 62. They also hold $350,000 in cash from downsizing … Emotions and Equities —The Dissection of a Market Correction
Dealing with unforeseen medical complications can be stressful. This stress is only compounded when trying to determine the best way to claim your medical expenses for tax purposes. If you have ever felt overwhelmed, you are not alone. Here is an overview and a few strategies to help you navigate your medical expenses in the … Navigating Medical Expenses from a Tax Perspective
Let’s be honest – no one wants to think about dying. But if you’ve taken the time to write a will and name an executor, you’re already ahead of the curve. But naming someone to carry out your wishes is just the first step. The real kindness comes in making their job as easy as … 5 Ways to Make Your Executor’s Job Easier
Losing a spouse or close family member is one of life’s most emotionally devasting experiences. Amidst the grief, there is a new financial reality that sets in. From funeral costs to a sudden change in household income, the loss can alter financial stability just as deeply as it shakes emotional foundations. The theoretical case study … Financial Impacts of Losing a Spouse
For decades, retirement was seen as a finish line – a moment when work stopped and leisure began. But it’s no longer a one-size-fits-all concept. As one client said to me when looking toward retirement, “I am figuring out what I want to do when I grow up.” As financial advisors, we’re seeing retirement take … Redefining Retirement
Jack (age 75) and Jill (age 62) are a retired couple with three children and six grandchildren. They’ve built a strong foundation with more than $2.9 million in investments, a mortgage-free home, and a solid pension plan paying $50,000 per year. They are looking for a plan to help their children without jeopardizing their own … Case Study: Optimizing Retirement Income and Estate Planning for Multi-Generational Support
This is a complicated question with many variables. We will argue that what you really want to know is what your after-tax income will be over your expected lifetime. Stages of Retirement Spending There are three stages to retirement – the first stage is called the “Go-Go” stage, the second the “Slow-Go” stage, and the … How Much Do I Need to Save to Generate an Income in Retirement?
To help you organize for the upcoming tax season, here is some pertinent information regarding estimated tax receipt mailing dates. Document Mailing Deadline RRSPContribution Receipts Investors will receive an RRSP contribution receipt for any contributions made after the first 60 days of 2024 and one or more separate contribution receipts for any contributions made in … Important Year-End Tax Filing Information 2025
Let’s set the scene. It is the end of the day, and you are now finally able to relax for the evening. As you sit down on your cozy couch in your living room to relax, your brain starts to ponder your mental to-do list. You have managed to set aside some extra cash throughout … Your Savings Options Explained: RRSP, TFSA, and FHSA
The BC provincial government released its 2026 budget , which included proposedchanges to the terms of the property tax deferment program. Background Many BC homeowners use the province’s Property Tax Deferment Program, which lets themdefer property taxes on their principal residence through a low-interest provincial loan. Historically, interest was “simple interest,” sheltering participants from compounding … Changes to the Property Tax Deferment Program
For many families, supporting the next generation is a core financial value. Parents and grandparents often want to help their adult children (or grandchildren) get ahead, whether that means saving for a first home, investing early for long-term growth, or reducing the burden of education costs. The challenge? Doing so strategically, tax-efficiently, and without triggering … Smart Wealth Transfer to Adult Children: Using FHSAs, TFSAs, and RESPs
To help you organize for the upcoming tax season, here is some pertinent information regarding estimated tax receipt mailing dates. Document Mailing Deadline RRSPContribution Receipts Investors will receive an RRSP contribution receipt for any contributions made after the first 60 days of 2025 and one or more separate contribution receipts for any contributions made in … Important Year-End Tax Filing Information 2026
Sometimes I ask myself, “Are our clients utilizing all the savings plans offered by our government?” For example, one type of government savings plan is the RDSP or Registered Disability Savings Plan. It is a long-term plan designed to help individuals (i.e. beneficiaries) with disabilities and their families to save for the future. To qualify … RDSP Basecamp: Learning the Basics of an RDSP and How It Can Help You
Case Study: Jack and Jill, both 60, are a few years from full retirement. They own a mortgage-free townhouse and have accumulated $1.5 million in retirement assets split evenly between fixed income and global equities. Jill has a defined benefit pension of $3,400/month starting at age 62. They also hold $350,000 in cash from downsizing … Emotions and Equities —The Dissection of a Market Correction
Dealing with unforeseen medical complications can be stressful. This stress is only compounded when trying to determine the best way to claim your medical expenses for tax purposes. If you have ever felt overwhelmed, you are not alone. Here is an overview and a few strategies to help you navigate your medical expenses in the … Navigating Medical Expenses from a Tax Perspective
Losing a spouse or close family member is one of life’s most emotionally devasting experiences. Amidst the grief, there is a new financial reality that sets in. From funeral costs to a sudden change in household income, the loss can alter financial stability just as deeply as it shakes emotional foundations. The theoretical case study … Financial Impacts of Losing a Spouse
To help you organize for the upcoming tax season, here is some pertinent information regarding estimated tax receipt mailing dates. Document Mailing Deadline RRSPContribution Receipts Investors will receive an RRSP contribution receipt for any contributions made after the first 60 days of 2024 and one or more separate contribution receipts for any contributions made in … Important Year-End Tax Filing Information 2025
Having a recreational property is really something special. Homes are where parents parent, but at the cottage/cabin/camp, parents are “way more fun!”
What a year it has been for trust reporting rules. There have been many twists and turns in this ongoing saga.
As the days get longer, we look ahead to summer vacations and time with loved ones. For Dana, this means more time at her family cottage in the Gulf Islands.
For many British Colombians, a large amount of their net worth is tied up in the equity of their principal residence. There are four main avenues to access this equity – all with some advantages and disadvantages
Many people believe that managing their money is only about math, but did you know that your mental health is related to your money too?
To help you organize for the upcoming tax season, here is some pertinent information regarding estimated tax receipt mailing dates. Document Mailing Deadline RRSPContribution Receipts Investors will receive an RRSP contribution receipt for any contributions made after the first 60 days of 2023 and one or more separate contribution receipts for … Important Year-End Tax Filing Information
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My goal for you is you will know where your money is going, why it is going there, and what the end result is intended to be. When these things are known, generally money-related stress is relieved and there are no sleepless nights because of money.
You will need to compile certain documents and information to bring with you to our Discovery Meeting.
Mortgage and debt management is an important element of your financial plan.
Pilot Mortgage Group is one of the top mortgage brokerage companies in Canada. They work with over 50 different lenders to secure the best mortgage financing for your specific needs. Pilot also has a large emphasis on ongoing mortgage management that ensures your mortgage remains the right fit. Should you wish to get started with Pilot, you can start on the online application below or speak with our advisory team to hear more about how they may be able to help you with your upcoming financing needs.
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