Rhonda Osmond-Gejdos, Senior Wealth Advisor, IG Wealth Management

As the Canadian real estate market continues to soar, many young adults are turning to their parents for financial support to secure their first home. If you're a parent looking to assist your children in navigating this challenging landscape, it's essential to understand the various options available to you.

In this article, we explore the different ways you can help your children step onto the property ladder, while also highlighting key considerations to keep in mind. From financial implications to legal responsibilities and emotional factors, we cover everything you need to know to make informed decisions.

Join us as we empower families to tackle the housing market together, ensuring that your support leads to lasting financial confidence for your children. 💪💖

Reach out to for valuable insights and tips!

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Think You Inherited Grandma’s House? Check the Deed First Real estate passed down without a clear title of ownership can prevent families from creating generational wealth.

Time to Review Your Retirement Contributions!

As we begin to approach the end of the year, it’s crucial to take a moment to assess your retirement savings. Are you on track to meet your financial goals for retirement? This is the perfect time to evaluate your contributions and make any necessary adjustments.

🔍 Here are a few key steps to consider:

Check Your Contribution Limits: Are you maximizing your RRSP and TFSA contributions? For 2026, the RRSP annual contribution limit is $33,810 (or 18% of your 2025 earned income, whichever is lower) and the TFSA annual contribution limit is $7,000. Your personal contribution room may differ based on factors such as unused contribution room carried forward from previous years, your 2025 earned income, pension adjustments, and any TFSA withdrawals made in 2025 that were added back to your contribution room on January 1, 2026. Check your latest CRA Notice of Assessment or CRA My Account for your available contribution room. If you have unused contribution room, consider increasing your contributions to help achieve your long-term financial goals.

Evaluate Your Investment Strategy: Are your investments aligned with your retirement goals? Review your asset allocation and consider rebalancing if necessary. Diversifying your portfolio can help mitigate risks and enhance growth potential.

Assess Your Retirement Timeline: Have your retirement plans changed? Whether you’re planning to retire early or later than expected, adjusting your contributions now can make a significant difference in your financial security.

Consult a Financial Planner: If you’re unsure about your retirement strategy, don’t hesitate to reach out! I’m here to help you navigate your options and create a personalized plan that aligns with your goals.

💪 Let’s ensure you’re set for a secure future! DM me for personalized advice or to schedule a consultation. Together, we can build a roadmap to your dream retirement!

As we navigate life after 50, our spending decisions often take on new meaning. It's not just about acquiring new things; it's about cherishing memories, pursuing passions, and honoring our journeys. 💖

Indulgent purchases can bring joy, but they shouldn't derail your financial plan. Let's explore how to budget for those sentimental buys that enrich your life while ensuring they align with your retirement goals.

Join me as we discuss how to make room for meaningful spending without compromising your financial security! 💰✨



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You’re About to Retire. What Are You Doing for the Next 20 or 30 Years? Workers often focus solely on their retirement savings balance. But figuring out how you want to spend the rest of your life could be job No. 1.

🌟 Are you ready to take control of your financial future?

Investment income is a crucial element in achieving your financial goals and ensuring a comfortable retirement. While many focus on accumulating savings, it’s essential to also consider the decumulation phase—using your investments to generate income.

In this article, we explore how integrating investment income into your financial plan can enhance your financial security and provide peace of mind. This tailored approach not only helps you maintain the lifestyle you've worked hard for but also prepares you for unexpected expenses and allows you to leave a lasting legacy for your loved ones.

Join us as we delve into strategies for aligning your investment income with your financial objectives, ensuring that your plan evolves with your goals and circumstances.

Your journey to financial confidence starts here! 💰✨



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As the school year approaches, it’s time to gear up for all the exciting (and sometimes overwhelming) expenses!

From daycare to school supplies, clothing, and tuition, planning ahead can make all the difference.

Here are some tips to keep your budget in check:

✔️ Create a Back-to-School Budget: List all expenses and set a spending limit for each category.
✔️ Shop Smart: Look for sales, discounts, and bundles to save on supplies and clothing.
✔️ Get Family Involved: Don’t hesitate to ask for help! Family can pitch in with supplies or babysitting.
✔️ Plan Schedules: Juggling school and activities? Use a shared calendar to keep everyone on track!

💡 Remember, a little planning goes a long way in ensuring a smooth transition back to school!

Spent time in my neighborhood last night at our annual bbq.

Every business owner can learn from these teen entrepreneurs using social media to grow their companies Gen Z grew up with social media, and it shows in how some of its youngest entrepreneurs are building businesses.

Are your finances as picture-perfect as you envision? 📸✨

Achieving financial security is all about strategic planning and preparation. Here are some essential tips to help you create a clear, confident, and controlled financial future:

Build Your Emergency Fund: Aim to save 3-6 months' worth of expenses. This fund acts as a safety net during unexpected events, ensuring you stay on track with your financial goals. 💰

Invest in Protection: Life and health insurance are crucial for safeguarding your loved ones. Term insurance can provide long-term support, giving you peace of mind. 🛡️

Plan for the Future: Whether you're a woman, pre-retiree, or retiree, personalized retirement plans are key to lasting financial confidence. Let’s work together to create a roadmap that suits your unique needs! 📈

Remember, achieving picture-perfect finances is a journey, not a destination.

Let’s take the first step together! Reach out to learn more about how I can help you build a secure financial future.