Milica Ivaz

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...

Your year-end tax checklist and festive-season guide in one place — so you can finish the year organized and enjoy what matters most As we wrap up 2025, it’s natural to pause and reflect on your year - your goals, transitions, and the financial questions that quietly sit on the back burner. My goal with Sensible Financial Solutions is to help you navigate these moments with clarity, confidence, and calm. This newsletter is designed to help you finish the year on strong financial footing while...