John Kalos Certified Financial Planner

No test, no technology – this simple physical exercise reveals how old your brain really is and how healthy your mental health is
Did you know your walking speed can reveal your brain's age and cognitive health? Neuroscience experts have linked slower walking to faster brain deterioration and other health issues, even in younger individuals. Simple tests can measure your speed against age-specific healthy benchmarks. Ready to assess your brain's pace? Read the full article to discover how and why movement is key for mental well-being.

No test, no technology - this simple physical exercise reveals how old your brain really is and how healthy your mental health is Do you want to know your brain’s age? You just need to try this simple exercise! Some neuroscience experts from the United States have proved the relationship

13 ways to budget and save money during the summer
Summer expenses, from vacations to childcare, can be overwhelming. However, smart budgeting and saving are achievable. By setting limits, scheduling wisely, using cash, and tracking spending, you can navigate the season without financial stress. Discover more simple yet effective strategies to make your money go further this summer by reading the full article.

Summer savings: 13 ways to stick to your budget Summer is a fun time, but an expensive one. Fear not, because there are simple ways you can learn how to budget and retrain your brain to save money, even during the summer months.

Canada faces potential wave of small business closures
Amid economic shifts and a "Silver Tsunami" of retiring Baby Boomer owners, Canada faces widespread small business closures, especially in rural areas. With most businesses lacking succession plans, a critical gap in local ownership and employment looms. Explore how robust succession planning can secure businesses, jobs, and community economies in the full article.

Canada faces potential wave of small business closures: MNP The average age of Canadian business owners was 53.5 in 2020, with many now approaching or already at retirement age.

Is 5 years ahead of retirement the right time to start talking to a financial adviser?
Retirement portfolio adjustment is an ongoing process, ideally starting five years prior to retirement. Gradually shifting to safer assets and continuously rebalancing with an advisor ensures you stay on track. This proactive approach helps protect investments and align with your goals. Discover optimal timelines and strategies for a secure retirement in the full article.

Is 5 years ahead of retirement the right time to start talking to a financial adviser? Have an issue with your financial planner or looking for a new one? Email questions or concerns to [email protected].

How gratitude changes you and your brain
As mental health care increasingly values efficiency, researchers are exploring brief, high-impact strategies to enhance the effectiveness of therapy. While gratitude practices are known to boost overall happiness, a recent study zeroed in on individuals undergoing counseling. The findings revealed that writing gratitude letters significantly enhanced mental health outcomes beyond the benefits of counseling alone. Discover how this simple yet powerful practice can make a meaningful difference.

How Gratitude Changes You and Your Brain Research explores how gratitude works to improve our mental health.

This where Canadians are travelling instead of Florida, Hawaii and other U.S. spots
Due to the trade war, some Canadians are altering their U.S. vacation plans, with one long-time Hawaii visitor opting for Mexico instead and vowing to avoid the U.S. entirely. This reflects a broader trend, as data shows a significant drop in Canadians returning from the U.S. by vehicle and decreased international traffic from Canada at major U.S. airports. Discover more about this shift in travel patterns in here.

Where Canadians Are Traveling Instead Of The US — Top 2025 Destinations Canadians are now seeking adventure, relaxation, and cultural experiences outside of the United States For decades, the U.S. has been the go-to destination for Canadian travelers, offering everything from sun-soaked beaches in Florida to bustling cities like NYC and Las Vegas. However, political fa

Canada announces new support for Canadian businesses affected by U.S. tariffs
New measures offer relief to Canadian businesses impacted by the Canada-U.S. tariff dispute. This includes the remission of certain Canadian countermeasure tariffs, conditional on automakers maintaining production and completing planned investments in Canada. For full details on these measures and their implications, read the complete article.

Canada announces new support for Canadian businesses affected by U.S. tariffs - Canada.ca The Minister of Finance, the Honourable François-Philippe Champagne, today announced new measures for Canadian businesses and entities affected by the tariff dispute between Canada and the United States.

Worried about housing costs? Here’s how to get help
Facing housing affordability challenges like buying, renting, or paying a mortgage is a widespread concern for many Canadians. Surveys reveal a significant percentage worry about housing costs and their ability to afford payments. Fortunately, various programs exist to provide support in finding and maintaining stable housing during tough financial times.

Worried About Housing Costs? Here's How to Get Help - NerdWallet Canada These programs can help you find and keep stable housing — even during during times of financial hardship.

Why employers should integrate financial planning into benefits
As workplaces tackle the challenges of retirement planning, some consider hiring full-time financial experts. A more cost-effective solution, however, is to integrate third-party financial planning through benefits providers. This approach helps employees better understand their workplace benefits within the context of their overall financial picture. Here’s why financial planning should be incorporated into workplace benefits—it can boost employee confidence and improve retirement readiness.

Why employers should integrate financial planning into benefits CFP outlines why financial planning should be incorporated into workplace benefits, ultimately improving employee confidence and retirement readiness

Support for business
Optimize your business, from startups to expansions, with the Government of Canada's extensive programs and services. Access hundreds of resources and tools designed for efficiency and growth.

Supports for business Canada's response to U.S. tariffs A comprehensive plan to protect and defend Canada's interests