Logan Lutes PFP, Financial Planner Investment and Retirement Planning, RBC

Have investments somewhere else?
• Send me your most recent investment statement.
• I’ll provide a complimentary investment review.
We’ll look at:
• ✓ Investment performance
• ✓ Management fees (MERs and advisory fees)
• ✓ Diversification and risk level
• ✓ How your portfolio compares to similar investment strategies
• ✓ Whether your investments align with your goals and time horizon
• ✓ Tax efficiency and account structure (RRSP, TFSA, FHSA, non-registered)
• ✓ Opportunities to improve your portfolio
No obligation. No pressure. Just a second opinion.

When you are looking for an investment fund take into consideration:
1- Higher performance over time
2- lower fees
3- smoother performance over time

Don’t hesitate to reach out if you have any questions, that is my job to help people reach their goals.

See article attached explaining:

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This week's digs into growth and power—literally. We're looking at what's ahead for global economies and stock markets, which winners and losers emerge in the AI race, and how AI data centres are reshaping electricity costs. Read more.

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Happy New Year! 🎉
Wishing you a successful, healthy, and prosperous 2026.

As I reflect on 2025, I’m incredibly grateful for the opportunities, the growth, and—most importantly—the amazing people I had the privilege of working with to help secure their financial futures.

If you or someone you know has questions about financial planning, I’d be happy to help.

📧 [email protected]
📱 782-409-6685
Financial Planning | RBC

Great Examples and insight.
An Example of someone with $1,000,000 wanting a yearly income of 40k, and an increased income each year to keep up with inflation.
What has been the most successful Sector Mix.

-Deciding how to invest, what % of your funds to take out a year, and the most tax efficient way to do so are crucial questions for a successful retirement plan.

-Please reach out if you have any questions.

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This 2 pager below shows the main reason why people were afraid to invest that year.
Yet over the 50 years 10k would now be over 1.3 mill.
There will never be the perfect economy to choose when to invest, but over time companies values tend to go up giving you significant growth if you are investing well.

www.rbcgam.com

When’s the last time you’ve made a financial plan? Or gone over how you will reach your financial goals?
Whether you have millions of dollars or a few thousand. Happy to help you make a plan for how you will achieve your goals!

Financial Planning At RBC Financial Planning, we look at everything—your goals and priorities, what you have and what you owe—to help you design your financial plan. Let's start a conversation today.

Point #4 jumps out at me. Someone who is fairly conservative in a Select Balanced fund can still see great growth.

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What are Bonds? This is a great 3 minute video explaining.
With the current economy, bonds are very appealing for very conservative investors.

https://www.rbcgam.com/en/ca/learn-plan/investment-basics/bond-basics/detail #:~:text=In%20its%20simplest%20form%2C%20a%20bond%20represents%20a,Bonds%20are%20typically%20issued%20by%20governments%20and%20corporations.

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It has been a year since the (FHSA) First Home Savings Account has been around.
This program is amazing. Your contributions to it are tax deductible from your income. If you are not using it to fund your first home purchase you are leaving money on the table.

Explore the First Home Savings Account (FHSA) An FHSA is a type of registered plan, which means you can hold investments in it to help you reach your goal of owning a home faster.