The Canadian Money Roadmap

In this episode, Evan and Sam discuss gold's historical performance as a hedge against market downturns, inflation, and economic crises, ultimately concluding that while gold has surged recently, the evidence doesn't support it as a reliable hedge in times of economic uncertainty. The episode concludes with a discussion of ways to get exposure to gold's upside through diversified evidenced-based investing.🌳 Connect with Evan and Cedar Point Wealth | Services and Pricing 🗣️ I want to hear from you! Record your comment or question here and you could be featured on an upcoming episode of the podcast ✨ Get your money organized - Your Full Financial Picture Spreadsheet

On this episode, Evan examines mutual funds and ETFs. He notes both mutual funds and ETFs can be useful investment containers for building diversified portfolios, challenges the idea that one is inherently better than the other, while clarifying that the real differences lie in their transaction mechanics rather than their investment strategies or tax efficiency.🌳 Connect with Evan and Cedar Point Wealth | Services and Pricing 🗣️ I want to hear from you! Record your comment or question here and you could be featured on an upcoming episode of the podcast ✨ Get your money organized - Your Full Financial Picture Spreadsheet

On this episode of the Canadian Money Roadmap, Evan describes what stocks and bonds are, why they're essential building blocks of a retirement portfolio, and how diversification and long-term holding periods reduce risk and increase the likelihood of positive returns.🌳 Connect with Evan and Cedar Point Wealth | Services and Pricing 🗣️ I want to hear from you! Record your comment or question here and you could be featured on an upcoming episode of the podcast ✨ Get your money organized - Your Full Financial Picture Spreadsheet

This episode analyzes whether a 20-year-old Quebec lottery winner made the right choice by taking $1,000 per week for life instead of a $1 million lump sum.🌳 Connect with Evan and Cedar Point Wealth | Services and Pricing 🗣️ I want to hear from you! Record your comment or question here and you could be featured on an upcoming episode of the podcast ✨ Get your money organized - Your Full Financial Picture Spreadsheet

Discover crucial financial insights for the new year! Learn how panic decisions can derail your finances, and why you should steer clear of multi-level marketing schemes that often result in losses. Evan also dives into the pitfalls of credit card usage and the dangers of speculative investments like crypto. For a solid financial future, he emphasizes the importance of steady employment, managing cash flow wisely, and consistently saving for retirement. Empower your money habits and plan for a confident future!

Evan shares an honest look at his personal finances and the chaos of launching Cedar Point Wealth. He discusses increasing liquidity for trips, funding short-term goals like a Disney vacation, and building up an emergency fund. Plans for 2026 include minimizing expenses, such as selling the RV, and a mortgage renewal that could save money. The transition to Cedar Point boasts impressive client retention and growth goals, all while Evan reflects on YouTube's workload and podcast achievements, inviting listener feedback as the year wraps up.

Discover essential year-end financial tasks to boost your savings! Learn how to maximize your First Home Savings Account and understand the best timing for TFSA withdrawals. Explore strategies for spousal RRSP contributions and the benefits of timely charitable giving. Review your capital gains and losses to optimize tax strategies, and don't miss out on workplace benefits. Finally, get organized with helpful resources to track your finances as you prepare for the new year!

Discover how giving can boost your happiness, as experts link pro-social spending to emotional well-being. Cultural and religious texts, from the Bible to the Bhagavad Gita, universally support acts of generosity. Research reveals that even small gifts can provide significant joy, while studies across multiple countries emphasize the global benefits of helping others. With practical tips for incorporating generosity into your financial planning, this conversation highlights the profound impact of giving on both individuals and communities.

Many Canadians are unaware of the high investment fees they might be overpaying. The discussion covers breaking down MERs, understanding mutual funds versus ETFs, and discerning what advice is genuinely worth the cost. Listeners are guided on how to spot red flags in fee structures and learn about transparent F-class funds. The episode emphasizes the importance of evaluating whether the fees align with the services received, plus strategies for finding trustworthy advisors and the potential of DIY investing.

Listeners dive into the nuanced world of ETFs as Evan compares TD ETFs to giants like Vanguard and BlackRock. He explains why TD might fly under the radar and shares tips for evaluating fund options. The conversation shifts to retirement strategies, highlighting the intricate dynamics of withdrawal orders. Evan discusses how personal goals influence decisions, and he reveals situations where early withdrawals can optimize tax scenarios. This insightful exchange is packed with practical advice for money management.