Edward Jones Financial Advisor-Liz da Mata

Markets closed last week hopeful that a U.S.–Iran peace deal will finally help unwind the shock to global energy markets seen this year, with equities hitting new record highs and bonds rebounding.

Weekly market wrap How did the markets perform this week? Get the highlights and the latest economic news.

Money is a major source of stress, especially when markets or life circumstances change.

A financial plan can help. Research shows that Canadians who work with a financial planner feel more confident and less anxious about money. Planning builds resilience and helps give a sense of stability, even in uncertain times.

As an advisor, I empower clients to take charge of their finances and their future.

👉 Let’s work together to build a plan that helps you feel secure - and that your goals are within reach.

Investing versus financial planning Investments are tools. A financial plan is the blueprint. Together, they help you build and experience the life you want.

Spousal RRSPs can help to level out household income, both now and in retirement.

The higher-earning spouse contributes and claims the tax deduction at their marginal tax rate, while the lower-earning spouse owns the account and pays tax on future withdrawals, typically at a lower rate. This strategy works particularly well when there's an income gap between partners or a significant age difference.

I help couples evaluate whether spousal RRSPs fit their retirement income strategy. Reach out to discuss your situation.

How income splitting can lower your taxes Income splitting is a strategy to level out income earned by spouses to reduce tax bills.