Blog
Practical, plain-language money insights
Financial planning and wealth-management notes from Marcel LeBlanc, CFP®, CIM, written for Canadians.
Your Wealth Summit: A Four-Stage Guide to Financial Success
Discover the four stages of your financial journey: cash flow, security, advancement, and reaching your summit. Learn how to build and protect your wealth.
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The Estate Planning Gap Most Canadians Don't Know They Have
Your will isn't always the final word. Learn why beneficiary designations can override it, and how to align your estate plan and avoid conflicts.
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Receiving a Bonus or Retirement Allowance? Don't Let the “Tax Filter” Eat Your Lump Sum
How to keep more of a lump sum when the tax withholding takes its first bite.
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2025 Market Review: Staying the Course
2025 rewarded business health over fear as investors looked beyond the U.S. for growth.
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Beyond Basic Protection: Leveraging Participating Whole Life for Strategic Wealth Management
How participating whole life can support planning, accumulation, and inter-generational transfers.
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Maximize Your Retirement Income: Timing Your CPP Strategically
Why waiting isn't always best, and how early claiming can work in your favour.
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Debt or Investments: Finding the Sweet Spot for Your Financial Future
A framework for splitting dollars between paying down debt and investing.
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Top 5 Reasons Managing Your Personal Cash Flow Matters
Cash flow is the engine of every financial plan, here's why it comes first.
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Why Personally Owned Life Insurance is a Smart Move for Canadians
The case for owning life insurance personally, and the planning upside it unlocks.
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