The Just Word Podcast

The market dropped like a stone in March, and then came back ... quite the rolloercoaster ... but why and how does Justwealth approach such events. James Gauthier joins us yet again to talk about the markets and investing.

Alanna Abramsky is a Financial Coach ... with a twist ... she specializes in finances for women ... her endeavor is called Broad Money - pun intended. She's on a mission ... she's seen too many women left out of the conversation and she wants to change the way women think and feel about their finances.

The markets have become unstable since the beginning of the year ... especially in light of the Trump regime. What should an investor be aware of, and what should they do now? James Gauthier is the Chief Investment Officer at Justwealth Financial.

Money is more than just the cash in your pocket, it represents all your past experiences... Jessica Moorehouse has been exploring that aspect for years!

James Gauthier is the Chief Investment Officer (CIO) at Justwealth Financial - one of, if not the, best robo-advisors in Canada! He joins me to go over how the markets faired in 2024 and what might happen ahead.

In 'The Happy Inheritor' Tom Deans explains why some inheritances don't end well and how to avoid that. Tom joins us to walk us through the successful transfer of wealth between generations.

Traditional investment assets include stocks and bonds ... but there are more. One example is 'digital assets'. Matt Raad is an expert in the area, he even teaches courses, and he joined me from Australia ... there are no geographic limits to this type of investing!

The priciples of retirement planning haven;t really changed over the years - and a lot of our followers haven't been able to listen to it - so here's a chance at a refresher with one of the architects of the Canada Pension Plan... Enjoy!

A couple of times a year I chat with James Gauthier from Justwealth Financial about what's happening in the markets. I began by asking about the Kamala Crash but quickly moved on to central banks and interest rates ... all while exploring how James is investing right now.

The workplace should be one place where communication just works ... but we've all had a bad boss at some point - so how do you make it so. Jill McPherson has a raft of experience teaching and she takes that expertise and applies the principles of Non Violent Communication to the workplace. We discuss unmet needs, bad bosses, empathy and compassion and seeing things from the other viewpoint all toward a more constructive, productive and respectful workplace.    

Laura Tamblyn Watts is the CEO of Canage ... and she's just written a best-selling, excellent read, Let's Talk about Aging Parents ... with a soup to nuts, humourous approach. We caught up with her and focussed on some of the financial aspects, but covered more ground than I expected... and I learned a lot!

I this episode, we talk to Steven Andrews is a real estate investor, business coach and founder of SOARX Consulting. Coming out of college, Andrews was $75,000 in debt and making $45,000 a year. Remembering how hard it was to overcome his own doubts and insecurities at the beginning of his investment career, Andrews is now on a mission to empower others to achieve their own goals in real estate. His new book, The New American Dream: A Simple Roadmap to Purchasing Investment Properties, is a proven, easy-to-follow blueprint for breaking into the real estate rental market without needing a college degree, real estate license, or excess wealth. We talked to him about his advice.

Horizon ETFs is the 4th largest ETF provider in Canada with over $30 billion in assets. But they are rebranding! I'll talk with Rohit Mehta, President and CEO, about what it means to the company and how it affects investors ... and we'll talk about the business in general. Rebranding Horizon ETFs to Global X with focus on local expertise 00:15 Global investment strategies, innovation, and customization 3:50 ETF growth, mutual funds, and investor preferences 10:32 Investing for retirement, growth of ETFs and future of investing in Canada 15:29

Akaisha and Billy are frequent contributors to the Financial Independence Hub and have written a book ... The Adventurer's Guide to Early Retirement. I've wanted to talk to them for a while now ...

Charity is an important part of any financial discussion, but do Canadians join in that discusssion? And if not, why not? John Bromley, CEO of Charitable Impact, joins us to look at philanthropy.

Evidenced Based Investing is part education, part financial planning. Its founder, Robin Powell, tells us how his approach works, detailing the 7 steps, and why it's better ...

How did the markets do last year ... and what to look for in 2024? Frances Horodelski joins us at the start of every year with her thoughts. Go to her website and subscribe to her newsletter!

10 Financial Tips for Young People ... with Enoch Omololu of savvynewcanadians.com This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.justwealth.com⁠⁠

Investors want to know 4 things when it comes to financial planning: what to do with CPP, what to do with OAS, how much tax I pay when I collapse my RSP and how much I need to retire... The question is, do investors need YouTube to explain that? Apparently yes, according to Rhys Martell of Well Built Wealth. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.justwealth.com⁠⁠

The federal government has introduced a new product to help with home ownership in Canada ... the Federal Home Savings Account - part tax savings, part investment. Two experts from Justwealth Financial: Andrew Kirkland and James Gautier, join me to discuss it. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.justwealth.com⁠⁠

With interest rates as high as they are, everyone is talking about GICs. A new fintech company has created a way to make accessing them easier. Yvette Wu is CEO of YieldExchange.ca. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠⁠⁠⁠⁠⁠⁠⁠www.justwealth.com⁠

The S&P 500 index has had a rough few weeks ... what's in store for it. Sam Stovall from CFRA Research joins me. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠⁠⁠⁠⁠⁠⁠www.justwealth.com

With prices exploding, Alain Guillot tells the story of how he gets by and lives like a king! An interesting story of his arrival in Canada, how he makes money and how he invests! This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠⁠⁠⁠⁠⁠www.justwealth.com

The investment community is perpetually optimistic … but is that a good thing. John DeGoey is a portfolio manager in Toronto. In his 3rd book, Bullshift, John discusses how optimism can be detrimental to the financial health of your investments. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠⁠⁠⁠⁠www.justwealth.com

Most likely, the biggest investment you'll ever make is in real estate ... and of late it's been a wild ride! Ramona King is a popular financial writer and the Group Editor, Canada for Finder This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠⁠⁠⁠www.justwealth.com

Time for a different investing approach - technical trading ... what is it, and how does t work. Chris Vermeulen is the founder of TheTechnicalTraders.com and the author of the books “Technical Trading Mastery” and “Asset Revesting,” challenging conventional investing wisdom ... This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠⁠⁠www.justwealth.com

Want to make smart decisions with money? ... dealing with fun stuff like budgets, and debt ... You need Financial Literacy. But what is it? and who benefits from knowing it? Ally Pyle is an advisor at CIBC Wood Gundy who teaches a thing or two! This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠⁠www.justwealth.com

We've all heard so-called truisms when it comes to investing, like 'Sell in May and Go Away' or 'the Trend is your Friend'... but are they just myths ... James Gauthier, CIO at Justwealth Financial, joins us to explain what's a myth and what's reality. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠www.justwealth.com

Insurance is a good idea in general. But did you know that you can also use it as an investment vehicle ... we're joined by Shara Carr, the Chief Operating Officer of SOS Financial Group and the Chief Operating Officer as well as Co-founder of Lionsshare Wealth Management .. and by Todd Strauss with Serenia Life. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com

Experts predict that TV will disappear in the next couple of decades, replaced by TikTok and others. Jon Dwyer, CEO of Gamelancer Media Corp. joins us again (he explained NFT's last time) to explain what this means and what he does ... This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠⁠www.justwealth.com⁠⁠.

The folks at Justwealth answer questions all day - like why they have so many portfolios for example - and in this episode, they answer some of their more popular questions ... sit back and enjoy. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠⁠www.justwealth.com⁠⁠.

Osamede Arhumnwunde, Co-Founder & CEO, GIGX Technologies, has a history in Blockchain, Publishing and African Development … and now is taking on the financial sector … he joins us to explain his latest way to move money around the world, but particularly in Africa ... a quickly growing financial market … This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to ⁠www.justwealth.com⁠.

I enjoy talking about money management, personal finance and even small business ... Rocky Lalvani serves as Chief Profitability Adviser and is a certified Profit First Professional who combines all three. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

The investment world is shifting in favour of ESG and responsible investing ... but what does that mean? Adelaide Chiu is Head of Responsible Investing & ESG Services at NEI Investments and joins us to explain. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

She's baaaaaaacckk! As you may recall, Frances Horodelski and I worked together at BNN, I consider her one of the best at looking at the market ... and she now writes a blog at https://franceshorodelski.com/ ... I got to talk to her about the year that was ... again! Enjoy! This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

Ask any investment professional, and 2022 was one tough year! Remnants of COVID, an invasion in Ukraine, inflation and interest rates sky-rocketing ... Not a good combination. But James Gauthier, Chief Investment Officer at Justwealth Financial outperfomed most of his peers. How? This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, or to provide tax or legal advice. The information and opinions are not guaranteed accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

Adam Caroll - author of 4 books, including something called 'the Shred Method' to eradicate your mortgage ... but his real message is as a 'transformational trainer' and 'Building A Bigger Life, Not a Bigger Lifestyle' ... his message - relentlessly pursue your passions, live simply and happily, and make a difference to those around you. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, or to provide tax or legal advice. The information and opinions are not guaranteed accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

Ever dreamt of owning a vineyard? Ya ... me too. Well we found someone who took their investment expertise and has done exactly that ... Graham Rennie is CEO and Founder of Niagara Custom Crush and Founder of Rennie Estate Wines ... This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, or to provide tax or legal advice. The information and opinions are not guaranteed accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

We're all so used to saving for retirement, nobody talks about what to do with those savings ... decumulating them - tax efficiently. I read an interesting article and discovered software that can help. Ian Moyer is the founder of Cascades Financial Solutions and he has some ideas. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, or to provide tax or legal advice. The information and opinions are not guaranteed accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

Historically, many employees had generous pensions that guaranteed lifetime retirement income. Their companies would make significant contributions every year to pay for that. Did you know that your small business could do the same thing for you? A PPP creates a defined benefit pension for small businesses... and JP Laporte of Integris Pension Management joins us to explain how it works. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, or to provide tax or legal advice. The information and opinions are not guaranteed accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

Can you imagine getting to retirement and finding out that you've made a planning mistake? How do you avoid that? Myron Genyk is co-founder of Evermore Capital and he has a set of rules to follow. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

Gold has always been an investment .... but it's also industrial, an inflation fighter, and even jewelry. Goerge Milling Stanley is the Chief Gold Strategist at State Street Global Advisors... one of the biggest investors in gold in the world! He joins us to talk about gold. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

McGill Unversity saw the need for a personal finance course ... and is offering it to anyone, not just students! Real Estate, investing, savings and more will be covered. Benjamin Croitoru, Associate Professor of Finance, Associate Dean, Undergraduate Programs, Academic Director, McGill Personal Finance Essentials joins us. Best yet ... You can register here... and it's free! This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

Giacomo Silvestri and Ryan Wells had a passion to help their fellow healthcare workers understand the world of finances. They formed Allied Healthcare - an educational financial podcast. Now they are taking the next step in getting great service to healthcare providers. Track their progress here ... This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

Steve Knifton was in the TV news business ... CITY-TV, CBC, Fox .... but now teaches how to use your smartphone to produce decent videos. You can reach him here... This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

It has NOT been a pretty market - on many fronts - but James Gauthier gives us his take. He manages the portfolios at Justwealth (our sponsor) who are considered the top robo-advisor in Canada (Moneysense magazine)... And, no, James is NOT a robot! This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

It's one thing to have a will, and another to have an estate plan. David Edey has been in the business for 3 decades ... he's even written a book "Executor Help: How to Settle an Estate... and he shares his insights. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

Don't you wish you knew more about Beaver Tails? Now you can ... and it'll leave you salivating! I talk to the CEO Pino Di Ioia about running an operation that is uniquely Canadian. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

Artificial Intelligence ... AI to the cognoscenti ... seems to be all around. But do we really know what it is and where it's going? Peter Voss is CEO of AIgo.ai to provide insight. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

Everyone needs a 'Millionaire Teacher', but maybe personal finance also needs 'Balance' ... that's what author Andrew Hallam believes. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

Real estate is more than a place to live ... is it also a place to invest? Alex Leduc of Perch thinks of it as a way to build wealth. This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.