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

The ripple effect of RRIF withdrawals 09/09/2026

You may be surprised how much RRIF income increases your tax bill after age 71. Here are some ways to control the damage.

The ripple effect of RRIF withdrawals You may be surprised how much RRIF income increases your tax bill after age 71. Here are some ways to control the damage.

Bond yields are soaring to heights not seen in years. How will Canadians be impacted? 09/07/2026

Bond yields are rising sharply around the world, with some government borrowing costs reaching levels not seen in years. The increase is putting upward pressure on fixed mortgage rates and auto loans and could affect other longer-term borrowing costs.

Bond yields are soaring to heights not seen in years. How will Canadians be impacted? Bond yields are rising sharply around the world, with some government borrowing costs reaching levels not seen in years.

He helps parents prepare their kids for inheritance. He used the same 3-step process with his. 09/07/2026

Whether your children are due to receive $100,000 or $100 million, it doesn't really matter. The challenge is the same: if you know this meteor is coming into your children's universe, you need to prepare them for it. Read on for a simple 3 steps process.

He helps parents prepare their kids for inheritance. He used the same 3-step process with his. The founder of a family office shared how he speaks to his children and clients about inheritance and finances.

09/04/2026

Equities vs. Vol Spikes - Volatility has stopped being a warning sign and has started acting like a buy signal.

TFSA contribution room calculator 08/21/2026

Find out how much TFSA contribution room you have left this year. Use this TFSA contribution room calculator to check the maximum contribution and avoid penalties.

TFSA contribution room calculator Not sure how much you can put into your tax-free savings account this year? This tool will help you figure it out.

How to avoid these common RESP withdrawal mistakes 08/20/2026

Learn how to avoid common RESP withdrawal mistakes and make the most of your savings when paying for your child's post-secondary education.

How to avoid these common RESP withdrawal mistakes Learn how to avoid common RESP withdrawal mistakes and make the most of your savings when paying for your child's post-secondary education.

FHSA: Is it right for you? | Manulife Investments 08/18/2026

See how the First Home Savings Account combines tax breaks and flexible savings to help reach a down payment goal faster.

FHSA: Is it right for you? | Manulife Investments Looking to buy a first home? The tax-free First Home Savings Account (FHSA) is a new option for potential first-time homebuyers. Learn more about this savings option and discover if it’s the right fit for you.

08/18/2026

Quiet strength - We have seen a return of the quiet strength that is a hallmark of bull markets. The strongest markets are not exciting, but they quietly and persistently grind higher.

NCM Investments Logo 08/14/2026

Many people assume becoming a millionaire requires something extraordinary like a big salary, a lucky break, or a large inheritance. In truth, it only requires one thing: starting early. This is the story of how Alex Sasso, CEO of NCM Investments, saw this firsthand with his own daughter.

NCM Investments Logo Many people assume becoming a millionaire requires something extraordinary like a big salary, a lucky break, or a large inheritance.

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