Stroud Financial Planning

There is no single “type” of person who needs financial advice.

This week alone, I have worked with people at completely different ages, stages, and starting points.

Some are dealing with debt. Some are reviewing their mortgage. Some already have insurance and investments but are unsure whether they still make sense. Some simply need a second opinion because the person they were working with dropped the ball.

The carousel mentions life insurance, but protecting yourself can also mean protecting your health and your ability to earn an income. We are often quick to insure our possessions while forgetting about the person paying for them.

Sometimes we keep what is already in place. Sometimes we adjust it. Sometimes something genuinely needs to change.

You do not need to be wealthy, organized, or financially confident before speaking with an advisor. You just need somewhere to start.

If you know someone who could use a practical, judgment free conversation about their finances, send them my way. 💙

“OHIP covers healthcare. It doesn’t cover your life while you’re going through it.” — Jordan Stroud

Sometimes the answer isn’t “no.” Sometimes it’s just “not here.”

I went to 11 different companies looking for a solution for this family.

Ten said not now. One said yes.

Is it the perfect long term solution? No.

But it gives this family **$400,000 in life and critical illness coverage today** while we wait until standard issue insurance becomes an option.

That matters.

If you or someone you know has been told they can’t qualify, it may be worth getting another opinion.

Sometimes it just takes someone willing to keep looking.

Remember when $5 got you a coffee and a snack?

Now you tap your card, look at the total, and wonder if you accidentally bought shares in the café.

Toonie Tuesday? Basically folklore.

That’s inflation. Your money is still money, it just buys less of everything.

Where are you feeling it the most right now?

“It’s only $17 a month…” 👀

But what if that $17 bank fee had been invested every month from age 18 instead?

At a hypothetical 8% annual return, it could grow to approximately:

💰 $70,048 by age 60
💰 $105,610 by age 65
💰 $158,592 by age 70
💰 $237,527 by age 75

The fee itself may feel small, but the lost time and compound growth can be HUGE.

This isn’t really about one bank fee. It’s about noticing the little money leaks and asking:

Could this money be working harder for me?

What monthly fee would you love to eliminate? 👇

Sometimes a financial win doesn’t mean spending more. Sometimes it means taking a closer look at what you already have.

In this example, a household was spending over $900/month on insurance. After reviewing their existing coverage and needs, we found a way to save more than $250/month while actually improving their protection slightly.

That’s over $3,000 a year back into their household budget. 🙌

Insurance should fit your life, your goals, and your budget. If yours hasn’t been reviewed in a few years, it might be worth seeing what’s changed.

Better protection. More breathing room. A plan that makes sense.