Resources Type: Blog Post

Market Concentration Is Not an American Problem

Market Concentration Is Not an American Problem

The S&P/TSX Is More Concentrated Than the S&P 500 Every conversation about market concentration starts and ends with the S&P 500. The Magnificent Seven, the top-heavy index, the fragility of it all. It’s framed as an American condition. But one border north, right here in Canada, it has found a home too. The S&P/TSX’s top […]

How Do I Calculate How Much Money I Need to Retire?

Quick Answer TL; DRCalculating how much money you need to retire depends on your expected income needs, the tax structure of your accounts, and how efficiently your savings convert into monthly income. Beaches Financial Group in North York, Toronto, builds integrated retirement income plans for Canadians with $750K to $2M in assets — so you […]

Market Minutes Report: August 2026

Bellwether Market Minutes, August 2026—July market recap

Rising yields, an unresolved Middle East, and open questions about AI valuations gave July’s investors plenty to price and very little to price it on. Corporate earnings proved the more reliable guide. The Federal Reserve’s inaction Markets are supposed to run on information. For much of July they ran on the absence of it—and moved […]

AI Export Controls, Tiered Model Access, & Investor Impacts

A stark orange background with a black-and-white image of a cable being unplugged from a power bar, signifying how AI was taken offline.

Following cybersecurity risks and the U.S. Commerce Department’s export-control directive, the world’s most capable publicly available AI model was taken offline for 19 days this June. Fable 5, from Anthropic, the makers of Claude, has since returned alongside questions left unanswered, and while we anticipated the re-release, precedent is stickier. This report is aimed at […]

What Makes for a Smart Investor?

Investors tend to frame intelligence as an edge—the right analysis, the right company, some insight the market hasn’t fully priced in yet. That framing is understandable, but it conflates intelligence with wisdom, and in investing, the distance between the two is where most meaningful decisions get made. We put the question directly to our Investment […]

Iran, the Strait of Hormuz, and Market Impacts for Investors

The Strait of Hormuz has been effectively closed for a month—the first time in modern history. Its impact on the global economy and markets at large has been broad, its resolution remains uncertain, and the range of possible outcomes is unusually wide. This report is aimed at helping make sense of what the Iran conflict […]

Market Minutes, May 2026

Bellwether Market Minutes, August 2026—July market recap

Despite a still-shuttered Strait of Hormuz causing a snare in global commodity trade, equity markets staged an impressive rebound in April.  The nations at war are technically bound by a ceasefire at the time of writing. But that agreement is fragile at best; progressing toward peace and backsliding into open conflict seem to trade headlines […]

Market Minutes, June 2026

Bellwether Market Minutes, August 2026—July market recap

While geopolitical uncertainty continues in the Middle East and high energy prices have dampened the economic outlook, near-record earnings growth was May’s defining feature. Led by the technology sector, equities drew applause while bonds did the more honest accounting. In our view, bond markets are being more forthright about latent and emerging risks. Equities, by […]

Market Minutes, March 2026

Bellwether Market Minutes, August 2026—July market recap

The past few weeks have been particularly eventful, with many headlines seemingly at odds with one another. As investors are buffeted by crosswinds, some market segments have fared better than others. Global equities trended higher overall, yet the S&P 500 declined in February. The Canadian economy contracted by 0.6% in the most recent quarter, while […]

Market Minutes, February 2026

Bellwether Market Minutes, August 2026—July market recap

Markets have started the year on a high note, with both equities and credit securities delivering positive returns. Impressive fourth-quarter earnings, potentially lower interest rates in the United States, abundant liquidity, capital parked in money market funds—investors have focused their attention here, overlooking geopolitical flashpoints for the time being. The notably absent response highlights an […]

Technical Analysis: Counting Stripes with Janine Guenther

Four zebras stand closely together against a solid orange background, their unique patterns perfect for Counting Stripes. Artwork by Janine Guenther.

By Janine Guenther CFA, CMT, CFP® In her submission to the CMT Association’s Technically Speaking, Janine Guenther shares an insightful reflection on the importance of thinking critically and independently when it comes to investing—a task that technical analysis is well-suited for.  “Looking for zebras in a herd of horses…” This was the answer that my […]

Why You Don’t Want a Tax Refund

A stack of dollar bills wrapped in metal chains secured with a padlock, symbolizing the importance of tax planning, set against a solid green background.

Canadians often see a tax refund (the balance owed or owing after the process of submitting your tax return) as a small victory at the end of the year—a “bonus” cheque from the Canada Revenue Agency (CRA) that feels like a reward for another successful filing of taxable income. In reality, a large refund is […]

2026 Market Outlook: Clues from 2025 & Key Stories to Watch

A person with light hair looks through a public binocular viewer against a solid light blue background, symbolizing a search for 2026 market trends and key stories to watch.

“Informed by the past, engaged with the present, and looking towards the future.” – Anonymous Markets delivered impressive returns in 2025, but the journey was anything but smooth. AI breakthroughs, shifting tariff policy, and evolving central bank strategies shaped a year that rewarded discipline and patience alike. This recap is designed as a pre‑event primer […]

A Guide to Charitable Giving in Canada

Two open hands are held up against a plain blue background, symbolizing charitable giving and generosity in Canada.

“No one has ever become poor by giving.” – Anne Frank Canada’s charitable landscape is shifting. Fewer philanthropic Canadians claim charitable donations on their tax returns each year, yet total giving and the average donation have reached record highs—signalling a quiet concentration of generosity among a smaller group of committed households. For families with the […]

Alternative Investments Masterclass with Bob Sewell

Three men in suits sit on chairs having a discussion about Alternative Investments in front of a green background, as part of a Masterclass.

“Diversification always comes back to the same underlying theme: being diversified.” – Bob Sewell In recent years, alternative investments have moved decisively into the mainstream for high-net-worth Canadian families and global investors. The conversation surrounding these strategies now centres not only on diversification and returns but also on enhancing portfolio resilience, managing risk, and achieving […]

The Psychology of Money: From Biases to Better Decisions

A hedge maze with a dollar sign statue at the center, set against an orange background, symbolizes the twists and turns of financial decisions and the Psychology of Money.

Bellwether Investment Management recently featured Dr. Preet Banerjee, a neuroscientist-turned-financial expert, for an eye-opening client webinar on the psychology of money hosted by Bob Sewell, the firm’s founder and chairman.  His central message? We’re fighting against millions of years of evolution when it comes to making smart financial decisions. The evolutionary trap Dr. Banerjee opened […]

Canada Federal Budget 2025 Economic & Market Analysis

Canadian flag in the foreground with the black and white Parliament buildings in Ottawa against an orange background, highlighting the significance of Budget 2025.

“The global uncertainty we are facing demands bold action to secure Canada’s future. Budget 2025 is an investment budget.” — François-Philippe Champagne, Minister of Finance and National Revenue Quick Summary The Carney government has passed its first official budget under subpar conditions. Finding itself in the middle of a trade dispute hampering economic growth, the […]

Market Minutes, November 2025

Bellwether Market Minutes, August 2026—July market recap

Fuelled by interest rate reductions, a strong start to the third quarter earnings season, and sustained enthusiasm for AI-related investments, global markets trended positively throughout October. Naturally, these positive forces have been well-received. What was less expected was the muted reaction toward the longest U.S. government shutdown in history. Although the circumstances have made official […]

Market Minutes, December 2025

Bellwether Market Minutes, August 2026—July market recap

Compared to where they began the month, many global stock markets showed little change as November drew to a close. This perceived indifference has papered over pronounced day-to-day volatility, as equities fell in the first half only to regain lost ground in the second. The circumstances unveil investor priorities and serve as a sound lesson […]

Market Minutes, September 2025

Bellwether Market Minutes, August 2026—July market recap

September rewarded investors with another exceptional month of equity returns. Many of the world’s leading stock indices climbed by roughly 5% despite what is historically a weak month of the year—a sound reminder that seasonal patterns shouldn’t be the basis for investment decisions. North America’s two largest economies found relief through interest rate reductions, which […]

Estate Bond Strategy: Tax-Efficient Wealth Transfer in Canada

A black and white tree model, symbolizing tax-efficient wealth transfer, is enclosed in a glass dome, set against a solid bright green background.

Originally posted on June 18, 2025. Updated on March 5, 2026. There’s a common misconception that estate planning is purely a future-focused exercise. In practice, the right approach can improve tax-efficiency today. The estate bond strategy can do exactly that—surplus capital moves into an exempt permanent life insurance policy, where it grows with less tax […]

Third Chapter: Estate Planning with Confidence & Clarity

Two adult hands gently hold two childrens hands, which grasp a paper cutout of a family of four—symbolizing clarity and confidence in estate planning—set against a solid blue background.

Today’s article is a guest submission from Janine Guenther CFA, CMT, a Portfolio Manager and Senior Wealth Family Advisor with over 30 years of industry experience. The views presented here do not necessarily represent those of Bellwether Investment Management.

Bellwether Named One of Canada’s Most Admired Corporate Cultures

A torn piece of newspaper against a blue background with the words Press Release overlaid in bold black text, referencing Bellwether and Canada’s Most Admired Corporate Cultures for excellence in corporate culture.

Lorne Park Capital Partners Inc. (TSXV: LPC) (“Lorne Park”) is pleased to announce it has, through its initiatives in its wholly-owned subsidiary Bellwether Investment Management Inc. (“Bellwether” or the “Company”), been recognized as one of Canada’s Most Admired Corporate Cultures. This recognition highlights Bellwether’s unwavering dedication to cultivating a positive, inclusive, and high-performance corporate culture, […]

Bellwether Awarded on the Financial Times Americas’ Fastest Growing Companies 2025 List, Four Years in a Row

A torn piece of newspaper against a blue background with the words Press Release overlaid in bold black text, referencing Bellwether and Canada’s Most Admired Corporate Cultures for excellence in corporate culture.

Lorne Park Capital Partners Inc. (TSXV: LPC) (“Lorne Park” or the “Company”) today announced it has been recognized on the Financial Times list of The Americas’ Fastest Growing Companies 2025, marking the fourth consecutive year of inclusion. This prestigious award, presented by the Financial Times and Statista Inc., the world-leading statistics portal and industry ranking […]

Third Chapter: 5 Ways to Proof Your Investment Recipe

Two hands kneading dough on a bright orange background, illustrating the perfect investment recipe for success.

Today’s article is a guest submission from Janine Guenther CFA, CMT, a Portfolio Manager and Senior Wealth Family Advisor with over 30 years of industry experience. The views presented here do not necessarily represent those of Bellwether Investment Management.

How a Registered Education Savings Plan (RESP) Helps

A white piggy bank wearing a black graduation cap against a green background symbolizes education savings and the importance of a Registered Education Savings Plan (RESP).

“The great aim of education is not knowledge but action.” — Herbert Spencer A Registered Education Savings Plan (RESP) allows individuals to contribute to a trusteed plan to finance the cost of post-secondary studies for a child, grandchild, or even themselves. In this blog, we will explore why Canadians should consider registering for an RESP, […]

Third Chapter: Capital Conversations

Three women smiling and looking at a laptop together, with one woman pointing at the screen; the solid orange background highlights their collaborative life planning.

Today’s article is a guest submission from Janine Guenther CFA, CMT, a Portfolio Manager and Senior Wealth Family Advisor with over 30 years of industry experience. The views presented here do not necessarily represent those of Bellwether Investment Management.

Your Roadmap for Major Life Stages

A silver pocket compass with an open lid is shown against a plain light blue background, symbolizing guidance through major life stages and life planning.

For most young professionals fresh out of post-secondary education, living independently can be liberating, but it also raises several questions. How do you juggle your first career with your social life? What is the proper way to budget? Where should you be putting your savings? When is a reasonable time to purchase your first home […]

Why Fixed Income Matters

Four smooth gray stones arranged in a curved line on a plain green background, each casting a white shadow—a serene composition reminiscent of stability and balance, much like the appeal of fixed income investments.

“Bond selection is primarily a negative art. It is a process of exclusion and rejection, rather than of search and acceptance.” — Benjamin Graham

Third Chapter: An Update on Settling My Mom’s Estate

Row of traditional brick terraced houses with chimneys along a residential street, hedges in front, and clear blue sky above—an inviting setting often pictured during an estate settlement or an estate update.

Today’s article is a guest submission from Janine Guenther CFA, CMT, a Portfolio Manager and Senior Wealth Family Advisor with over 30 years of industry experience. The views presented here do not necessarily represent those of Bellwether Investment Management.

10 Things to Know About Dividend Tax Efficiency

A young plant sprouting from soil against a plain blue background, with roots and seed visible below the surface—symbolizing the growth potential of tax-efficient investing from the ground up.

“A stock dividend is something tangible—it’s not an earnings projection; it’s something solid, in hand. A stock dividend is a true return on the investment. Everything else is hope and speculation.” —Richard Russell — Richard Russell

Third Chapter: Actionable Investment Goals

An adult and a child sit together on a couch, reading a book about actionable investment goals. The background is orange and the image is outlined in white.

Today’s article is a guest submission from Janine Guenther CFA, CMT, a Portfolio Manager and Senior Family Wealth Advisor with over 30 years of industry experience. The views presented here do not necessarily represent those of Bellwether Investment Management.

reBalanced Portfolio

A person walking barefoot on a tightrope against a bright green background, shown from a low angle, symbolizes the careful balance of a reBalanced Portfolio.

“Diversifying sufficiently among uncorrelated risks can reduce portfolio risk toward zero. But financial engineers should know that’s not true of a portfolio of correlated risks.” — Harry Markowitz, Father of Modern Portfolio Theory

Third Chapter: Structuring a Resilient Portfolio

A group of modern and historic skyscrapers in black and white with a solid green sky background, symbolizing resilient portfolio structuring and solid investment strategies.

Today’s article is a guest submission from Janine Guenther CFA, CMT, a Portfolio Manager and Senior Wealth Advisor with over 30 years of industry experience. The views here do not necessarily represent those of Bellwether Investment Management.

Advisor Highlight: An Interview with Chris Jardine

A man in a suit and tie stands smiling against a green background with the text Advisor Highlight overlayed, featuring Chris Jardine from our recent Advisor Interview series.

“A good financial planner knows your goals, but a great one understands the motivations behind them.”  — Chris Jardine CFP®, CIM Making the move from one financial services firm to the next can be daunting, but when you make the right choice, it can make all the difference for you and your business. As a […]

Interest Rates Outlook: Housing Holdups?

A silver key attached to a house-shaped keychain, set against an orange background, symbolizes the current housing outlook.

“Housing affordability is a significant problem in Canada—but not one that can be fixed by raising or lowering interest rates.”  — Tiff Macklem, Governor of the Bank of Canada

Family Day: How Do You Define Legacy?

Four people sit side by side, facing away from the camera, on a blue background—capturing a quiet Family Day moment that helps define legacy across generations.

“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” —Robert Kiyosaki

Portfolio Diversification: The Case for Private Credit

Two silver padlocks are interlocked against a solid light green background, symbolizing the security and strength that private credit brings to portfolio diversification.

“Banks were once places to hold money and were very careful in lending to finance families as they built a future.” —  Elizabeth Warren Well-versed in banking practices and economics, Warren called for tougher banking regulation before the Great Recession of 2008–2009. In her famous toaster analogy, she noted that the government wouldn’t allow a […]

Understanding & Overcoming Financial Phobias

A child covers most of their face with both hands, peeking through their fingers as if facing money fears, against a solid green background.

“Sometimes, it is not the money in your bank account that solves your problems, but the wisdom in your head.” – Michael Bassey Johnson One of the greatest tools at a financial advisor’s disposal is the ability to empathize with clients to develop a deeper understanding of their circumstances. Sometimes it’s the excitement they feel […]

Estate Planning: Take Pride in Your Legacy

Black and white model of a small house with a steep roof, set against a solid bright green background—perfect for illustrating legacy or estate planning concepts.

“Estate planning is an important and everlasting gift you can give your family. And setting up a smooth inheritance isn’t as hard as you might think.” — Suze Orman Contrary to popular belief, estate planning is not reserved for affluent families—it’s a tool for anyone hoping to protect what they’ve built over the course of […]

3 Essential Books for Young Investors

Three essential books—The Wealthy Barber, Stocks for the Long Run, and Martin Zweig’s Winning on Wall Street—are displayed upright against an orange background, perfect picks for young investors starting their journey in investing.

“An investment in knowledge pays the best interest.” — Benjamin Franklin For young investors diving into the world of personal finance, the amount of novel information to digest can be overwhelming or outright discouraging. But here’s the catch: if you don’t learn the basics, the complexities are unlikely to serve you well. Maybe it’s time […]

When Building a Business, Advisors are Clients Too

Five professionals in business attire sit in a circle, with one person shaking hands with another, highlighting strong client relationships against an orange background.

“Just one great partnership with the right person can have an incredible impact on your business success.” – Janine Ogg and Jo Foster Building a business means working with the right people, and for us, that means treating advisors like clients: we put them first by supporting their growth so they can provide the best […]

From Good to Great: Alternative Investment Opportunities in Renewable Energy

Seven white wind turbines stand in a row against a bright green background, each with three blades, highlighting renewable energy and attractive investment opportunities in clean power.

“Energy is essential for development, and sustainable energy is essential for sustainable development.” — Tim Wirth For a former member of the Senate born in 1939, Wirth was considered a trailblazer in the world of low-carbon energy alternatives, natural gas, and environmental issues. Once an unimportant subject often minimized by more pressing contemporary issues of […]

Pass the Torch Without Getting Burned: Adult Children, Risks, and Advisors

Two hands are shown against a blue background, with one hand passing a baton to the other, symbolizing advisors guiding adult children in transferring responsibility and managing potential risks.

“Letting go is hard. But harder still is not letting them reach their full potential.” — Anonymous When it comes to threats facing client-advisor relationships and your long-term financial plan, it’s unlikely that “adult children” come to mind. But in reality, failing to warm your adult children to your advisor can cause significant issues down […]

Is $2 Million the New 1$ Million for Retirement?

Two people seated in wooden lounge chairs hold hands under a large patio umbrella, set against a plain blue background—enjoying the comfort of retirement and the rewards of their $2 million retirement savings.

“A million dollars isn’t what it used to be” — Howard Hughes Born in Texas in 1905, the (in)famous business magnate’s words still hold weight. Suddenly, the romanticized goal of $1 million is under scrutiny as a realistic, sustainable nest egg for retirement. Inflation may eat away at your savings, but if you understand how […]

Dividend Growth Potential

“History provides a crucial insight regarding market crises: they are inevitable, painful and ultimately surmountable.” — Shelby M.C. Davis

Scott Watson, Senior Vice President and Head of US Corporate Development

A man in a suit smiles at the camera with the text Senior Vice President, US Corporate Development—Scott Watson—announced over a solid green background.

Lorne Park Capital Partners Inc. (“Lorne Park”) is pleased to announce Scott Watson as the Senior Vice President, Head of US Corporate Development, for Promus Asset Management, LLC (“Promus”) and Bellwether Investment Management USA, Inc. (“Bellwether USA”). Watson brings with him over 25 years of experience in the asset management, wealth management, and investment banking […]

Budgeting Tips for 2023

“If we command our wealth, we shall be rich and free. If our wealth commands us, we shall be broke indeed.” – Edmund Burke

5 Investment Strategies to Navigate a Volatile Bear Market

A person in business attire stands in front of a fluctuating line graph, appearing to contemplate or analyze investment strategies amid a volatile market, against a green background.

The key to making money in stocks is to not get scared out of them. – Peter Lynch While we all prefer bull markets, it’s no secret that bear markets play an active role in these cycles. Knowing how to react and adjust to both can make all the difference to your personal finances. Individuals […]

Ukraine-Russia War: Strategies to protect your portfolio

Four fighter jets flying in formation against a light blue sky, symbolizing strong investment strategies to protect your portfolio during uncertain times.

Russia’s invasion of Ukraine has heightened volatility in stocks, bonds, commodities and currencies. While it’s important for investors to assess the economic impact and potential for future disruptions, it’s also critical to assess the situation from a rational and long-term perspective, no matter how hard it may seem today. In this blog, we’ll walk you […]

What are the Tax Implications of Charitable Giving?

One person holds a wooden bowl with coins while another hand drops a coin into it, symbolizing charitable giving against a green background.

According to Statistics Canada, Canadians contribute billions of dollars to charity every year, more recently $10.3 billion in 2019. Most people don’t seem to be motivated by tax incentives to donate to a good cause. There is, however, no disadvantage to claiming charity tax credits when filing your income tax return: it is simple and […]

Making a Difference: How to Optimize Your Charitable Giving Strategy?

Three people in uniform shirts organize canned goods and write on a clipboard, demonstrating an effective charitable giving strategy. An orange background and several cans stacked nearby complete the scene.

While a charitable contributions plan should never be pursued primarily for the goal of claiming a tax credit, there are methods you can contribute to help charities in need today while simultaneously claiming the maximum benefit available to you. The ideal charitable giving strategy for you will be determined by your age, the quantity and […]

How to structure your investments for retirement

A white molecular model with seven spheres connected by rods is displayed on a solid light green background, symbolizing the importance of structure investments for effective retirement planning.

Structuring your investments is a critical consideration as you approach retirement. But how do you structure them? How do you fund your retirement in the right way, achieving reliable growth of wealth as well as cash flow? Let’s take a look.

Never too early or too late: When to start planning for retirement?

A runner in starting position at the blocks, hands on the ground and feet secured, embodies the drive needed for retirement planning, set against an orange background.

It’s difficult to say exactly how much money you will need once you retire — lifestyles, circumstances and needs vary — but it is estimated that Canadians require around $1M to retire comfortably. This is a little worrying when we consider that 32% of Canadians between 45 and 64 years old have no retirement savings, and 43% […]

How to Grow Your Income After Retirement

A lightbulb containing a small plant sits in soil next to stacks of coins, all set against a solid green background, symbolizing how to grow income after retirement.

Achieving a reliable retirement income is a major concern for many people these days. Canadians are living longer, with life expectancy increasing by more than 11 years in the last half a century, and expect to maintain a high standard of living throughout retirement. But how can this be funded? With the right approach, retirees […]

Can I Retire Early? Living the Dream with Retirement Planning

A gray tabby cat is curled up and sleeping against a solid lime green background, living the dream just like someone enjoying early retirement.

Early retirement — this might seem like an impossible dream. But is it really so impossible? Not with the right approach to retirement planning. Take a look at some top tips to making your money work for you so you can plan for early retirement in the right way.

How to Approach Investing in the New Normal

A stack of five disposable gray face masks with white ear loops, arranged against a plain light blue background, highlights an essential part of the new normal.

Things have changed. A lot. The pandemic has shifted wealth, pushed some industries down while propping others up, disrupted global supply chains, uprooted workforces, and reminded us all that the only constant is change. Making investment decisions in this chaotic environment can be tricky, especially if you are nearing retirement and may need to access […]

Retirement Planning Tips for the New Normal

A person wearing a hat, mask, and jacket holds and looks at a tablet device against a solid green background, perhaps searching for retirement tips in the new normal.

Did your retirement plans change during the pandemic? Whether your earnings were impacted or you have different priorities, if you are like many Canadians, your retirement goals are different today than they were in 2019. In a 2021 financial industry survey, more than half of the respondents claimed they are now rethinking where they want to live […]

How Bellwether Is Different Than Traditional Financial Planning Firms and Banks

Three people in business attire have a discussion; one is seated, while the other two stand, holding documents, against a bright green background—perfect for financial planning firms like Bellwether or modern banks.

Your nest egg is more than just money. It may represent years of hard work and financial diligence, as well as the promise of a prosperous future for you and your family. Naturally, you want to be discerning when deciding whom to seek financial guidance from. Someone who doesn’t have your best interests in mind […]

5 Habits of High-Net-Worth Individuals

A person holding and reading an open book, with an orange background on the left side—reflecting the habits of High-Net-Worth Individuals who value continuous learning.

High-net-worth individuals (HNWI) enjoy plenty of financial freedom. If you want to have the flexibility to do more with your money too, consider picking up some of the most common habits of the comfortablywealthy. The following are prudent habits anyone can use to build and maintain wealth.

3 Ways a Financial Advisor Can Help You Build Wealth

A person in a shirt and tie places a brick onto a wall of stacked bricks against a blue background, symbolizing how financial planning helps build wealth step by step.

With the internet, you have access to endless information online, enabling you to research different investments and wealth-building strategies yourself. So, the question is, if you have useful info at your fingertips, what will you gain from consulting with a professional advisor? Is a financial advisor worth it?   You can make smart financial decisions […]

How COVID-19 Is Impacting Retirement Planning

Five light bulbs are suspended in a row against a green background, with one bulb on the right pulled back as if in motion, symbolizing the impact of retirement planning much like a Newton's cradle.

The COVID pandemic has upended everyday life and changed our view of the future. Many Canadians have also experienced some degree of financial upheaval, either through a job loss, thwarted business plans, or even time off work due to illness. For those nearing retirement, pandemic-related financial disruption can pose a lot of challenges. Let’s look […]