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Laura Chanin, Investment Advisor

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Laura Chanin, Investment Advisor

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Your Wealth, Our Passion The information contained on this page is taken from sources we consider reliable, but we cannot guarantee its accuracy or reliability.

The information on this page was prepared by Laura Chanin, who is a Investment Advisor with iA Private Wealth Inc., and does not necessarily reflect the opinion of iA Private Wealth. The opinions expressed are based on an analysis and interpretation as of the publication date and may change without notice. Furthermore, they do not constitute an offer or a solicitation to buy or sell the securities mentioned. The information contained herein may not be suitable for all types of investors. iA Private Wealth Inc. is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization. iA Private Wealth is a trademark and trade name under which iA Private Wealth Inc. operates.

10/28/2026

You might be surprised by each other’s answers~

One of you may be dreaming of travelling, while the other is looking forward to having more time at home. Maybe you both want to spend more time with family, but have different ideas about where you’d like to live.

I’ve had these conversations with clients, and it’s always interesting to hear what each person is looking forward to. Sometimes it’s the first time they’ve really talked about it together.

If retirement is on your mind, try asking each other:

What are you most excited about?

Is there anything you’re worried about?

What would you like your days to look like?

Are there things you’d like to do together, or on your own?

Once you have an idea of what matters to each of you, we can look at the numbers and work out how to make it happen.

If you’d like to talk about your retirement plans, please reach out. I’d love to hear what you’re looking forward to!

Laura Chanin CFP®
302-1688 162nd Street, Surrey, BC
www.rightdirectionfinancial.ca

10/23/2026

I have had this conversation with a couple of clients fairly recently.

“I know we’ve gone over the numbers. But I still feel guilty spending the money.”

When you’ve spent most of your life saving and being careful, spending those savings in retirement can feel uncomfortable. You don’t just switch off those habits because you’ve stopped working.

And when you see what groceries, insurance and just about everything else costs, it’s natural to think, “Maybe we should hold off on that trip. What if we need the money later?”

We understand. You worked hard for that money, and knowing it’s there gives you some comfort.

So let’s talk about what’s worrying you.

Is it your everyday expenses? The possibility of needing care down the road? Or does spending on yourself just feel a little indulgent?

Then we can look at how that trip, or whatever you’ve been putting off, fits into your plan. We need to account for rising costs and future needs, along with the things you want to enjoy today.

Sometimes the numbers give you the reassurance you need. Sometimes we make a few adjustments so you feel more comfortable.

You don’t have to say yes to every expense. But I’d hate for you to keep saying “maybe next year” without knowing whether you could comfortably enjoy it now.

I’m happy to sit down and talk through what feels comfortable for you and your retirement plan. So you can enjoy today, tomorrow and beyond.

Laura Chanin CFP
302-1688 152nd Street, Surrey BC
604-385-1164

10/15/2026

It sounds like sensible advice. But if your 20-year-old is struggling to find work or watching most of their pay disappear into everyday expenses, it might be hard to hear.

As parents, we want our kids to get ahead. I know I have 2 daughters and my sister has 4. We want them to save, start investing and feel excited about their future.

But sometimes we need to pause and ask, “How are you feeling about all of this?”

They might be sending out resumés and hearing nothing back. - Yep
Working, but still unable to afford to move out. Yep
Or wondering why everyone else seems to have things figured out. Yep

Before you pull out the advice, let’s give them room to talk.

And when they’re ready, we can help them work through the money side together:

Start with where they are. Look at what’s coming in and what their essentials actually cost. Leave the “when I was your age” comparisons out of it. We had it pretty good in the 80's and 90's.

Make the first goal manageable. A small emergency cushion or paying down a credit card can be something to feel good about. If there’s no money left after essentials, acknowledge that, too.

Talk about investing without adding pressure. Starting young gives money more time to grow, but they need room in their budget first. Help them understand the basics now, so they feel more comfortable when they’re ready to begin.

Offer help that works for both of you. That might mean reviewing a budget, practising for an interview or making an introduction. If you’re helping financially, make sure it fits your own retirement plans.

We don’t have to have every answer. Sometimes a good place to start is:

“I know you’re trying. Let’s sit down and figure out the next step together.”

If they aren't in the mood to talk then give them space and definitely don't bring it up when you run into them in the kitchen at 11:00PM rummaging though the fridge while mumbling "there is never anything to eat in this house"

The conversation will happen when it happens.

10/12/2026

This Thanksgiving, we are thinking about the people who make life feel full. The ones around our table, the ones we wish could be there, and the ones who show up for us in everyday ways.

We are grateful for family, friends, and our clients who share so much more than their financial lives with us. We get to hear your stories, celebrate your good news and walk alongside you through difficult days. That trust means so much to us.

Whatever this weekend looks like for you, hoping there’s a moment of connection, a little comfort and something that makes you smile.

Happy Thanksgiving from all of us at Right Direction Financial.

10/09/2026

Young and thinking about saving for retirement? (Don't worry many of us are still scrambling to save in our 50's and 60's)

But when your young some days, saving for anything feels hard let alone something that seems so far away.

Rent
Groceries
Transportation
Student loans

When everyday expenses take up most of your paycheque, being told to “just save more” can feel frustrating and frankly annoying.

For many young Canadians, saving for a home, a holiday or retirement can feel out of reach. If that’s how you’re feeling, you’re not alone.

So where can you begin?

1. Start with your actual budget. Look at what comes in and what your essentials cost. Your plan needs to fit your life.

2. Choose one manageable goal. Start with a small emergency cushion or something important to you. You don’t have to save for everything at once.

3. Make savings automatic, if there’s room. Even $5 or $10 each payday is a beginning. Choose an amount that won’t leave you short for bills.

4. Give yourself some credit. It’s hard to plan for tomorrow when today takes so much of your paycheque. Save what you can, when you can, and be ok with it when you can’t.

You don’t need to have it all figured now but it's a start.

-The Right Direction Financial Team

09/30/2026

Today, we are taking some time to pause and reflect on the National Day for Truth and Reconciliation.

We're thinking of the children who never came home from residential schools, and of the survivors, families and communities who continue to live with that loss.

We know we still have more to learn.

Today is a reminder to listen to Indigenous voices, make space for their stories, and carry what we learn moving forward.

~ Right Direction Team

09/17/2026

Your new retirement job description:

Director of Slow Mornings
Head of Travel and Adventure
Vice-President of Hobbies
Family and Friends Coordinator
Chief Relaxation Officer
Lifelong Learning Specialist
Happy Hour Consultant
Expert at Forgetting What Day It Is

The goal isn’t simply to retire.

It’s to create a retirement filled with the people, experiences and activities that bring you joy.

Which new position would you apply for first?

I know I would be going for Head of Travel and Adventure!

09/02/2026

When we think about retirement expenses, we often picture travel, hobbies and time with family.

But what about the costs that may come with staying healthy and independent?

A 2026 Canadian retirement survey found that 61% of Canadians listed cuts to government health-care services among their top concerns.

Although Canada has public health care, retirees may still need to budget for expenses such as:

• Dental and vision care
• Prescription medications
• Mobility or accessibility needs
• In-home support
• Assisted living or long-term care
• Travel health insurance

We cannot predict exactly what care we may need, but we can build flexibility into a retirement plan.

Because planning for retirement isn’t only about how you want to live. It is also about being prepared for the care you may need later in life.

Laura Chanin
302 - 1688 - 152nd St Surrey
604-385-1164

08/26/2026

For many Canadians, their home is their largest asset. But having significant home equity does not always mean having enough income to enjoy retirement.

A 2026 Canadian retirement survey found that nearly half of Canadians no longer believe home equity is the best way to fund retirement.

Your home may be part of your plan, but it is important to ask:

• Would you be comfortable downsizing?
• Where would you move, and what would it cost?
• Could you manage the home’s ongoing expenses?
• Would you consider borrowing against your equity?
• How would your decision affect your estate wishes?
• Do you have enough accessible income for everyday living?

Being “house rich” can provide options, but those options need to be considered before they are needed.

A strong retirement plan looks at the complete picture. Your home, savings, pensions, income needs and the life you hope to enjoy.

Laura Chanin
302 - 1688 152nf St, Surrey BC
604-385-1164

08/20/2026

More Canadians are rethinking what retirement looks like.

In 2025, a record 1.2 million Canadians aged 65 and older were working or looking for work. Among employed seniors, roughly two in five worked part-time, and most said it was by choice.

For some, continuing to work provides extra income. For others, it offers purpose, connection and a smoother transition into retirement.

Semi-retirement may also allow you to:

• Give your investments more time to grow
• Reduce how much you need to withdraw from savings
• Delay CPP or OAS, when appropriate
• Maintain structure and social connections
• Gradually adjust to a new pace of life

Retirement doesn’t have to mean going from full-time work to no work overnight. The right plan can help you create a transition that works for your finances and the life you want to live.

What would your ideal retirement look like? Working a little, travelling more or leaving work completely?

Laura Chanin
302 - 1688 152nd St, Surrey, BC
604-385-1164

Address

302-1688 152nd Street
Surrey, BC
V4A4N2

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Website

http://www.rightdirectionfinancial.ca/, https://linktr.ee/rightdirectionfinancial

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