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

How young professionals can build wealth—even in today's economy 06/02/2026

Wealth building starts with small, consistent habits. Here’s how young Canadians can save, invest and grow their net worth over time.

How young professionals can build wealth—even in today's economy Wealth building starts with small, consistent habits. Here’s how young Canadians can save, invest and grow their net worth over time.

What are reasonable long-term financial planning assumptions? 05/26/2026

What inflation, investment return, and life expectancy assumptions should Canadians use for retirement planning? Here’s what financial planners recommend.

What are reasonable long-term financial planning assumptions? What inflation, investment return, and life expectancy assumptions should Canadians use for retirement planning? Here’s what financial planners recommend.

TFSA basics 05/21/2026

Regardless of what you are saving for, a Tax-Free Savings Account (TFSA) is a great way to save for any financial goal – a long-term goal such as retirement or a short-term goal such as a car or a vacation. Did you know: if you’ve never opened a TFSA, you can contribute up to $109,000 today?*

TFSA basics Regardless of what you are saving for, a Tax-Free Savings Account (TFSA) is a great way to save for any financial goal – a long-term goal such as retirement or a short-term goal such as a car or a vacation.

05/12/2026

This was the 5th All Time High in May, most since 2017. Nine other years saw this many (or more) ATHs. The rest of the year (so the final 7 months)? Never lower and up 10.3% on avg.

05/10/2026
05/07/2026

The NASDAQ 100 has been above & not touched the 10 Day Moving Average for 20 consecutive days. Historically, this saw $NDX higher 10 of 12 times, 3 months later and 11 of 12 times, 1 year later with an average gain of 19.6%. The 3 month Max Drawdown was -8.7%

Why emotional biases may be riskier than market swings 05/04/2026

Volatile markets can trigger emotional investing driven by biases like overconfidence and herd behaviour. Experts explain how to stay disciplined.

Why emotional biases may be riskier than market swings Volatile markets can trigger emotional investing driven by biases like overconfidence and herd behaviour. Experts explain how to stay disciplined.

What Canadian women regret most about money—and how Gen Z can avoid it 05/03/2026

From investing too late to lacking an emergency fund, many Canadian women share similar regrets. Here’s what Gen Z can do now to get ahead.

What Canadian women regret most about money—and how Gen Z can avoid it From investing too late to lacking an emergency fund, many Canadian women share similar regrets. Here’s what Gen Z can do now to get ahead.

04/28/2026

Buybacks - US companies are stepping up share buyback announcements, a sign of balance sheet strength that returns cash to shareholders and helps support stock prices. For investors, that's a constructive signal.

04/23/2026

S&P 500 EPS Revisions - Over the past 15 years, analysts have revised their Earnings Per Share (EPS) estimates down by an average of 2% between January and April ... 2026 is a different story. This earnings stability is a constructive signal and provides supportive fundamentals for equity markets.

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365 Evans Avenue, Suite 301
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M8Z1K2

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