Sheena Magnotta PFP, QAFP - Financial Planner, Sun Life

Nobody wants to think about this. But the couples who have had this conversation are the ones who feel most prepared when life asks them to be.

When one spouse passes, the financial picture shifts immediately. Income changes. Accounts need to transfer correctly. Decisions need to be made quickly, often by someone who was never part of the financial conversations to begin with.

That is not a position you want to be in for the first time during one of the hardest moments of your life.

Estate planning, beneficiary designations, survivor income, account structure. These are not complicated conversations. They just need to happen before they become urgent.

If you and your partner have been putting this off, this is your sign to change that.

Book a call through the link in my bio and let's walk through it together.

Sheena Magnotta, Fiero Financial Solutions

The results are in. Working with a financial advisor dramatically increases retirement readiness.

86% of pre-retirees working with an advisor feel financially ready for retirement. Without one, that number is 41%. Among retirees, 95% feel confident with an advisor compared to 72% without.

That is not a small difference. That is the difference between arriving at retirement with clarity and arriving with uncertainty.

A financial advisor is not just someone who manages your investments. They are the person who helps you understand what you have, what you need, and how to bridge the gap without leaving money on the table.

If you are approaching retirement and you are not working with someone you trust, that is worth changing.

Book a call through the link in my bio.

Source:
https://www.fidelity.ca/content/dam/fidelity/en/documents/press-release/2026/2026%20Retirement%20Report%20Press%20Release%20EN.pdf

Divorce or losing a spouse can change every part of your financial life.

In moments like these, many people feel pressure to make quick decisions about money, investments, housing, or retirement. But the most important first step is creating clarity.

Before making major financial moves, focus on:
• Understanding your new financial picture
• Avoiding emotional or rushed decisions
• Building a plan that supports your next chapter

A thoughtful financial strategy can help create stability, confidence, and peace of mind during a difficult transition.

You do not have to navigate it alone.

Save this post or share it with someone who may need support right now.

Too often, women are expected to navigate complex financial decisions during life’s most difficult transitions without ever having been part of the planning conversations before.

Financial confidence does not happen overnight. It starts with understanding the strategy, the assets, and the bigger picture long before responsibility shifts.

Whether through divorce, widowhood, or retirement, being informed is not optional. It is essential.

Every partner deserves clarity, involvement, and confidence when it comes to their financial future.

If you are ready to be part of the conversation, I am here to help. Book a call: https://action.sunlife.ca/AppointmentRendezvous/s/?AID=zoy9q9JZTxnaJeWcG%2FgFDin3g49iWglkoo4tY0Yfpf4%3D&language=en_CA

June is a good time to pause and ask a few honest questions.

Are you on track with your savings goals? Has anything changed in your income, your family, or your business that your plan does not reflect yet? Are you carrying more in taxes than you need to be?

A mid-year check-in is not about perfection. It is about making sure the second half of the year works harder than the first.

If you have not reviewed your plan recently, let this be the nudge. Book a call and let's take a look together.

https://action.sunlife.ca/AppointmentRendezvous/s/?AID=zoy9q9JZTxnaJeWcG%2FgFDin3g49iWglkoo4tY0Yfpf4%3D&language=en_CA

Most people spend years focused on saving for retirement. Very few think about what happens when it is time to start living from it.

26% of retirees have no specific approach to withdrawing from their savings. That is 1 in 4 people leaving money on the table, paying more in taxes than they need to, and drawing down their accounts without a strategy.

Getting to retirement took a plan. So does living in it.

If you are approaching retirement and have not had this conversation yet, that is exactly where we start.

Book a call here: https://action.sunlife.ca/AppointmentRendezvous/s/?AID=zoy9q9JZTxnaJeWcG%2FgFDin3g49iWglkoo4tY0Yfpf4%3D&language=en_CA

Source: 2026 Fidelity Retirement Report
https://www.fidelity.ca/content/dam/fidelity/en/documents/press-release/2026/2026%20Retirement%20Report%20Press%20Release%20EN.pdf

If you are a business owner in your 50s, there is a good chance no one has ever walked you through what your compensation structure is actually costing you long term.

Salary and dividends are not just a tax conversation.

There is no universal right answer. But there is a right answer for your business, your life stage, and where you want to be in ten years.

If this is a conversation you have been putting off, now is a good time to have it.

Book a free call here and let's talk about your situation: https://action.sunlife.ca/AppointmentRendezvous/s/?AID=zoy9q9JZTxnaJeWcG%2FgFDin3g49iWglkoo4tY0Yfpf4%3D&language=en_CA&fbclid=IwY2xjawSPs0xleHRuA2FlbQIxMABicmlkETFqZmVSR0FVSkdoZjNsamt4c3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHogV1CAL_UvAPECZQIi5ChcDdsLTmCB5k8PA57m1VK2eTY-xJLBVSLBvNGX7_aem_XujJwvcI8MUkZ4hADUwQGg

Most people don't realize what waiting actually costs them, and it's not just dollars.

It's the option to retire on your terms. To pivot when life asks you to. To stop carrying the quiet weight of financial uncertainty.

The good news is that starting now, wherever "now" finds you, still makes a meaningful difference. The window hasn't closed.

If you've been meaning to get your financial plan in order, this is your sign to make it the next thing you do.

DM me or visit the link in my bio to book a conversation.

Having investments and having a financial plan are not the same thing.

One is a collection of accounts. The other is a roadmap with your goals, your timeline, and your life built into it.

86% of people with a written financial plan feel confident about their financial future. That confidence comes from clarity, not luck.

If you've been saving without that clarity, it might be time to change that.

Book a complimentary consultation through the link in my bio. Let's get you into that 86%.