Milica Ivaz

Use this 2026 summer financial checklist to review your budget, investments, retirement savings, TFSA, RRSP, FHSA, RESP, insurance and estate plan.

Market volatility feels different when you’re retired. You’re no longer just investing - you’re relying on your portfolio to generate income. And when markets decline at the same time withdrawals are required, it can raise an uncomfortable question: “Am I doing this right?” The answer depends less on what markets are doing - and more on whether you have a clear plan guiding your decisions. Why RRIFs Feel Riskier in Down Markets A RRIF (Registered Retirement Income Fund) requires you to...

Milica Ivaz photo 💕 February is often about flowers, chocolates, and romantic gestures—but one of the most meaningful ways couples can show care for one another is through thoughtful financial planning. When finances are aligned, transparent, and intentional, they reduce stress and create room for shared goals. This month, we’re focusing on income splitting and couple-based planning strategies that can improve cash flow, lower taxes, and strengthen long-term security - together. 💑 Income...