The Canadian Money Roadmap

Send us Fan Mail In this episode, Evan and Sam recap their 100-day Savings Ladder Challenge sharing what worked, what didn't, and the key lessons—automation beats willpower, hard pushes should be tied to specific goals, and accountability helps—while also discussing the surprising content-creation results from posting daily short-form videos. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail This week, financial planner Moira Rose joins the podcast to explain how group RESPs prey on new parents with predatory sales tactics, high fees, and rigid contracts that can cause families to lose thousands of dollars, arguing they offer no benefits over standard RESPs and should be avoided entirely. Follow Moira on Instagram: @moirarosefinancials 📱 Check out Moira's RESP Course 📖 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail In this episode, Evan and Sam explore seven financial decisions—spending, savings rate, retirement timing, CPP/OAS timing, tax and account strategy, investor behavior, and stress-testing your plan—that matter more to your financial success than fine-tuning your investment portfolio. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail On this episode of the Canadian Money Roadmap, Evan and Sam reflect on their summer highlights and use them to walk through a four-step framework — awareness, priorities, feasibility, and a to-do list — for aligning your spending and time with what actually matters to you as you plan for retirement. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail On this episode, Evan and Sam explore whether retiring before age 65 makes sense, weighing the financial trade-offs (lost government benefits, tax credits, income splitting) against lifestyle factors like health, purpose, and how you want to spend your time. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail This episode walks through a practical framework—mandate, diversification, factor exposure, and cost—for evaluating whether an ETF or mutual fund actually deserves a place in your portfolio. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail In this episode of the Canadian Money Roadmap, Evan and Sam each draft 5 things they each believe are worth the money. Ranging from Toyota vehicles, paying off your credit cards, to a day at a Nordic spa, their selections spark conversations about how spending fits into financial plans. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail On this episode of the Canadian Money Roadmap, Evan and Sam argue that markets and life change too fast to predict, so financial success depends not on timing the market but on building a diversified, evidence-based plan focused on the variables you can actually control. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail In this episode of the Canadian Money Roadmap, Evan and Sam examine common examples of bad financial advice they've encountered online and with real clients — including chasing past returns, being pressured to commute a pension into a complex insurance product, and having locked-in investments (like labor-sponsored funds and GICs) placed in accounts where money is needed by a specific deadline. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail On this episode of the Canadian Money Roadmap, Evan walks through his semi-annual "full financial picture" review process — a simple spreadsheet exercise that tracks net worth, insurance, and estate planning documents — and explains how to use it as a starting point for couples to get on the same page about their finances. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail On this episode of the Canadian Money Roadmap, Sam and Evan discuss how the markets have performed over the first half of 2026 covering how international stocks (especially South Korea) are outperforming the US, value stocks are beating growth stocks, the Magnificent Seven have stalled, and speculative assets like Bitcoin and gold have failed to act as expected hedges. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail In this episode of the Canadian Money Roadmap podcast, Evan and Sam play a game of "This or That," debating personal finance preferences across six topics: TFSA vs. RRSP, paying down your mortgage vs. investing, stocks-only vs. including bonds in your portfolio, lump sum vs. dollar cost averaging, buying vs. renting a vacation property, and leaving an inheritance vs. giving money while alive. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail This episode of the Canadian Money Roadmap explores why chasing past investment returns is a losing strategy. Hosts Evan and Sam explain that actively managed funds overwhelmingly underperform their benchmarks over time. They advocate for an evidence-based approach built on broad diversification, low costs, and factor-based investing (size, value, and profitability) aligned with a personalized financial plan. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail Nearly two-thirds of Canadian pre-retirees don't have a retirement withdrawal plan. On this episode of the Canadian Money Roadmap, Evan and Sam use a case study to show how optimizing your withdrawals during retirement can have a significant impact on your available investments and estate projection. Watch on YouTube 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail In this episode, Evan and Sam explore new research challenging the conventional wisdom of shifting to bonds as you near retirement, making the case that a globally diversified equity portfolio — tailored to your personal risk tolerance, capacity, and financial needs — may actually give you better odds of reaching your retirement goals. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail In episode 200 of the Canadian Money Roadmap, Evan reflects on how his views on financial planning have evolved over his first decade in the industry. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail On this episode, Evan and Sam propose a new savings challenge that will allow people to save over $5,000 in 100 days. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail On this episode, Evan and Sam analyze the results from their Financial Foundation Scorecard — revealing that while listeners excel at saving, budgeting, and debt management, most lack a written retirement plan and the confidence to know if they're truly on track for retirement. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail In this episode, Evan and Sam provide advice about how to help children financially during your retirement. Key point include: make sure you can afford it, communicate clear expectations, specify what the money is for, and consider non-cash ways to give — because intentional generosity protects both your retirement savings and your family relationships. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet

Send us Fan Mail In this episode, Sam puts Evan on the hot seat and gets him to answer questions related to ethical investing, building a portfolio, and financial red flags. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰 Get your money organized - Full Financial Picture Spreadsheet