I believe starting your financial journey is like setting sail toward a meaningful destination, you need a steady compass and a reliable map. I guide young professionals with independent advice and holistic planning to build confidence in our decisions, align goals with values, and turn dreams into milestones.
I believe starting your financial journey is like setting sail toward a meaningful destination, you need a steady compass and a reliable map. I guide young professionals with independent advice and holistic planning to build confidence in our decisions, align goals with values, and turn dreams into milestones.
As a Financial Advisor specializing in young professionals, I take pride in helping clients navigate their financial journey with clarity and confidence. I believe that dreams and goals are achievable by creating a solid and sound financial plan and following through with it. By taking the time to understand each client’s unique values, aspirations, and circumstances, I craft personalized strategies that align with their long-term objectives. Building lasting relationships and growing alongside my clients is at the heart of everything I do.
I hold a BA in Economics from the University of Calgary (2009) and have worked in the financial industry since 2007. In 2016, I joined RGF Integrated Wealth Management, where I continue to provide independent advice and holistic planning tailored to each stage of life for our clients.
When I’m not at my desk, you’ll find me out and about in Port Moody with my wife and our two wonderful young kids. I’m a passionate hockey fan, love attending live concerts, and enjoy being actively involved in my children’s extracurricular activities.
FP Canada
BA (Economics) – University of Calgary
Dipl (Accounting) – University of British Columbia
CFP® (Certified Financial Planner)
CIM® (Chartered Investment Manager)
Ryan is a registered representative with CIRO in BC. He is a licensed insurance agent in BC.
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
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, the labradoodle … Stay Focused
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!
It is not a surprise that global conflicts are known to create a feeling of uncertainty among investors. This uncertainty can cause investors to want some level of control by wanting to hold more cash.
I just returned from a conference where the global economy, investment markets, and the geopolitical situation were key topics.
For the professionals I work with, you may find these articles helpful:
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
Jack and Jill are excited to welcome their granddaughter, Kate, to the family and would like to set aside funds to help her with future post-secondary education costs. They plan to contribute the lifetime maximum of $50,000 to a Registered Education Savings Plan (RESP) for Kate and currently have this cash available. An RESP is … Case Study: Thoughtful Planning for RESP Contributions
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
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, the labradoodle … Stay Focused
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?
In the world of investing, volatility often gets a bad reputation. For many, it conjures up images of erratic price swings and uncertainty. However, for the disciplined long-term accumulator of wealth, volatility is not an enemy to fear—it’s a powerful ally. Volatility represents the degree of price fluctuation in financial markets. While it may seem … Volatility: An Accumulator’s Best Friend
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
Markets have been doing well this year and many investors have been rewarded with strong returns for their patience, sticking to their long-term investment plans coming out of 2022 & 2023.
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.
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