Paul Polyviou CFP, CLU, CIM

Paul Polyviou CFP, CLU, CIM

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THE SIMPLE CHOICE FOR COMPLEX FINANCIAL MATTERS. Helping you achieve your goals - one step at a time. www.financialguardian.ca

Since 2003, I have defined personal financial planning as a process of determining an individual’s or family’s financial goals, purpose in life, and life’s priorities. After considering their resources, risk profile, and current lifestyle, a detailed and realistic plan is prepared to help meet those goals. My designations as a Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), an

07/23/2026

Earnings Momentum - More S&P 500 companies are raising their outlooks than maintaining or cutting them. The measure, known as profit guidance momentum, has climbed to a record in Bloomberg Intelligence data going back to 2011.

Why are we so afraid of financial mistakes? 07/22/2026

The pursuit of the perfect financial decision has quietly become one of the biggest obstacles to making any decision at all. Whether it's investing, retirement planning, insurance, or estate planning, waiting for the "perfect" answer can often mean missing valuable opportunities. This is one of the many ways I can add value as your financial advisor. Helping you cut through the noise, simplify complex decisions, and move forward with confidence. Please don't hesitate to reach out if you'd like to discuss your options or have any questions. I'm always happy to help.

Why are we so afraid of financial mistakes? The pursuit of the perfect financial decision has quietly become one of the biggest obstacles to making any decision at all.

07/08/2026

Tech Insiders- At least one group of Tech investors appears to be viewing this as a buying opportunity (HINT: Its the people who know these companies best). Make of it what you will.

AI chatbots can help with personal finance—if you ask the right questions 07/07/2026

Canadians are using AI for money matters, from budgeting to financial planning. Read these expert tips to get better answers and protect your personal info.

AI chatbots can help with personal finance—if you ask the right questions Canadians are using AI for money matters, from budgeting to financial planning. Read these expert tips to get better answers and protect your personal info.

07/02/2026

AI vs. jobs - We can finally say AI isn't killing jobs ... Firms that adopt AI heavily grow headcount 10% over two years following adoption. Low adopters see no statistically significant change.

Ontario Auto Insurance Is Changing on July 1, 2026. Here Is What Every Driver and Family Needs to Know. | Campisi Law 07/01/2026

Starting July 1, 2026, many accident benefits that have been automatically included in Ontario’s standard automobile policy will become optional. Protections like income replacement, caregiver benefits, and death benefits will no longer be there by default. If you do not actively choose them and pay an additional premium, they will not be available to you after a crash. Most Ontario drivers do not know this is coming. Many will only find out when it is too late. Read on to learn more.

Ontario Auto Insurance Is Changing on July 1, 2026. Here Is What Every Driver and Family Needs to Know. | Campisi Law Ontario Auto Insurance Is Changing on July 1, 2026. Here Is What Every Driver and Family Needs to Know. Starting July 1, 2026, many accident benefits that have been automatically included in Ontario's standard automobile policy will become optional. Protections like income replacement, caregiver ben...

Retirement taxes explained: Withholding, clawbacks, and other surprises 06/30/2026

During your working years, you may receive tax refunds due to the withholding tax on your paycheque, but things change in retirement. Find out how.

Retirement taxes explained: Withholding, clawbacks, and other surprises During your working years, you may receive tax refunds due to the withholding tax on your paycheque—but things change in retirement. Find out how.

06/25/2026

SPX peaks by month- Good time to remember the S&P 500 has never peaked for the year in June. This is the only month to never peak for the year. Given the most recent ATH was on June 2, could this year be the first? I say no.

06/24/2026

2026 Tech vs. 2000 Tech- Tech price and forward PE leading into today vs. the tech bubble. Two very different pictures.

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M8Z1K2

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