David Martin
@moneyclarity.substack.com
Halifax NS Advice-only Financial Planner. DIY investor advocate. NL born and bred.
3 Easy Money Fixes Before Your Ice Cream Melts 🍦
#1 Check your investment mix (risk still good?)
#2 Review your beneficiaries (still the right people?)
#3 Confirm TFSA room (overcontributions = penalties)
Takes <20 mins. No spreadsheets. Done.
For Atlantic Canadian DIY investors. Eltero FP.
#1 Check your investment mix (risk still good?)
#2 Review your beneficiaries (still the right people?)
#3 Confirm TFSA room (overcontributions = penalties)
Takes <20 mins. No spreadsheets. Done.
For Atlantic Canadian DIY investors. Eltero FP.
August 5, 2025 at 5:18 PM
3 Easy Money Fixes Before Your Ice Cream Melts 🍦
#1 Check your investment mix (risk still good?)
#2 Review your beneficiaries (still the right people?)
#3 Confirm TFSA room (overcontributions = penalties)
Takes <20 mins. No spreadsheets. Done.
For Atlantic Canadian DIY investors. Eltero FP.
#1 Check your investment mix (risk still good?)
#2 Review your beneficiaries (still the right people?)
#3 Confirm TFSA room (overcontributions = penalties)
Takes <20 mins. No spreadsheets. Done.
For Atlantic Canadian DIY investors. Eltero FP.
Our industry’s biggest problem? We confuse the people we’re supposed to help.
Fee-based ≠ advice-only.
But some financial advisors blur the lines anyway.
You never see advice-only planners pretending to be fee-based. But the reverse? Happens all the time.
What does that say about transparency?
Fee-based ≠ advice-only.
But some financial advisors blur the lines anyway.
You never see advice-only planners pretending to be fee-based. But the reverse? Happens all the time.
What does that say about transparency?
July 28, 2025 at 4:15 PM
Our industry’s biggest problem? We confuse the people we’re supposed to help.
Fee-based ≠ advice-only.
But some financial advisors blur the lines anyway.
You never see advice-only planners pretending to be fee-based. But the reverse? Happens all the time.
What does that say about transparency?
Fee-based ≠ advice-only.
But some financial advisors blur the lines anyway.
You never see advice-only planners pretending to be fee-based. But the reverse? Happens all the time.
What does that say about transparency?
Most people can do DIY investing.
The secret?
• Clear goals
• Simple strategy
• Checking in (not guessing)
You don’t need to be a stock-picker. You need a framework.
Do you think more people should DIY?
The secret?
• Clear goals
• Simple strategy
• Checking in (not guessing)
You don’t need to be a stock-picker. You need a framework.
Do you think more people should DIY?
July 24, 2025 at 2:18 PM
Most people can do DIY investing.
The secret?
• Clear goals
• Simple strategy
• Checking in (not guessing)
You don’t need to be a stock-picker. You need a framework.
Do you think more people should DIY?
The secret?
• Clear goals
• Simple strategy
• Checking in (not guessing)
You don’t need to be a stock-picker. You need a framework.
Do you think more people should DIY?
Summer’s slower pace is a great reminder of why we plan: more time, more freedom, less stress.
Is your financial life on autopilot, or is it moving you toward what matters? A few hours of focus now, especially as a DIY investor, can pay off big by year-end.
Is your financial life on autopilot, or is it moving you toward what matters? A few hours of focus now, especially as a DIY investor, can pay off big by year-end.
July 21, 2025 at 6:18 PM
Summer’s slower pace is a great reminder of why we plan: more time, more freedom, less stress.
Is your financial life on autopilot, or is it moving you toward what matters? A few hours of focus now, especially as a DIY investor, can pay off big by year-end.
Is your financial life on autopilot, or is it moving you toward what matters? A few hours of focus now, especially as a DIY investor, can pay off big by year-end.
DIY Investors Save… and Then Leak. 💸🧠🔍
July 14, 2025 at 2:07 PM
DIY Investors Save… and Then Leak. 💸🧠🔍
“Everyone should melt down their RRSP early.”
I'm hearing this a lot.
But it’s a tax prepayment and that only pays off if something offsets the loss of future compounding.
Sometimes CPP/OAS and TFSA room do the job.
Other times, the strategy backfires.
RRSP Melt Down is a tool. Not a rule.
I'm hearing this a lot.
But it’s a tax prepayment and that only pays off if something offsets the loss of future compounding.
Sometimes CPP/OAS and TFSA room do the job.
Other times, the strategy backfires.
RRSP Melt Down is a tool. Not a rule.
July 7, 2025 at 3:35 PM
“Everyone should melt down their RRSP early.”
I'm hearing this a lot.
But it’s a tax prepayment and that only pays off if something offsets the loss of future compounding.
Sometimes CPP/OAS and TFSA room do the job.
Other times, the strategy backfires.
RRSP Melt Down is a tool. Not a rule.
I'm hearing this a lot.
But it’s a tax prepayment and that only pays off if something offsets the loss of future compounding.
Sometimes CPP/OAS and TFSA room do the job.
Other times, the strategy backfires.
RRSP Melt Down is a tool. Not a rule.
March 29, 2025 at 10:45 AM
Sidewalks are slippery out there this morning. Be careful.
Happy Friday!
Happy Friday!
February 14, 2025 at 12:31 PM
Sidewalks are slippery out there this morning. Be careful.
Happy Friday!
Happy Friday!