Debbie - Financial Advisor

Most people don’t talk about debt — but almost everyone has faced it at some point. What matters isn’t where you’ve been, but the steps you take next to rise above it.

Debt Medic offers a judgment-free starting point for anyone feeling overwhelmed, empowering you to take control. They help Canadians understand options like consolidation, restructuring, or creating a more manageable plan — all in plain language, guiding you towards financial freedom.

If you’re tired of the stress, the calls, or the uncertainty, you’re not alone. There are solutions, and you deserve support that treats you with dignity.

Message me privately if you want the link or want to talk through your options.

exp.debtmedic.ca

It's the Summer of Soccer in Edmonton! ⚽

From June 11 – July 19, ICE District features Edmonton's Summer of Soccer with FREE World Cup Watch Parties, Canada Celebrates event on July 1, community soccer programming, and more.

⛺Catch all Team Canada matches and 17 featured games inside the Tent at Fan Park, complete with food trucks, drinks, DJs, face painting, and family-friendly fun.

☀ Plus, watch every match on the big screen in ICE District Plaza (excluding seven late-night games starting after 9 PM MT).

Gather your crew, rep your colours, and experience the excitement of the beautiful game all summer long.

🔗 More information at the link in bio.

Home ownership is a long-term goal that requires extensive planning. It can take months and years of preparation.

If you have a goal of home ownership, i can help you get there. To ensure your financial situation is in order and prepare for home ownership, please contact me to schedule your complimentary financial review or book here https://calendly.com/debfinancially/45min.

❤️

Most people don’t talk about debt — but almost everyone has faced it at some point.
What matters isn’t where you’ve been, but the steps you take next.

Debt Medic offers a judgment‑free starting point for anyone feeling overwhelmed. They help Canadians understand options like consolidation, restructuring, or creating a more manageable plan — all in plain language.

If you’re tired of the stress, the calls, or the uncertainty, you’re not alone.
There are solutions, and you deserve support that treats you with dignity.

Message me privately if you want the link or want to talk through your options.

exp.debtmedic.ca

How CPP Can Affect Your Retirement Savings 🇨🇦💰
Most Canadians know they pay into the Canada Pension Plan (CPP) — but many don’t realize how much it can impact their retirement income.

Here’s what CPP means for your long‑term savings:

1️⃣ CPP is based on your lifetime earnings
The more you earn (and contribute) during your working years, the higher your CPP benefit will be.
Low‑earning years, career breaks, or self‑employment can reduce your payout.

2️⃣ CPP is not meant to replace your full income
CPP replaces about 25–33% of your average earnings.
That means you still need personal savings (RRSP, TFSA, pension, investments) to maintain your lifestyle.

3️⃣ Starting CPP early or late changes your income

Taking CPP at 60 = reduced monthly benefit
Taking CPP at 65 = standard benefit
Taking CPP at 70 = significantly higher monthly benefit

Your choice affects how much you need to save personally.

4️⃣ CPP includes disability and survivor benefits
This can protect your family — but it’s not a full financial plan.
Most families still need insurance + personal savings to fill the gaps.

5️⃣ Relying only on CPP can leave a retirement shortfall
CPP is a foundation, not a full retirement plan.
Your personal savings determine whether you retire comfortably or feel financial pressure.

Bottom line
CPP is a valuable part of your retirement income — but it’s only one piece.
Understanding how it fits into your overall plan helps you avoid surprises and build the retirement you want.

To ensure your finances are in order and prepare for home ownership, message me to book your free financial overview or book here https://calendly.com/debfinancially/45min

June is National Homeownership Month, a reminder that preparing financially before buying a home can make a major difference long term. Building savings, managing debt, and understanding your budget are important steps toward sustainable homeownership.

Sunshine…🌻