Money Ideas I Hope More Canadians Embrace
I have no aspirations to write a book, become a YouTube star, or start trending on TikTok. I don't want an online course empire or a podcast studio or a public speaking circuit. None of that has ever appealed to me. What has kept me going, year after year, is the quiet work: writing articles that help regular Canadians make sense of their money, and sitting down with families to build financial plans that actually improve their lives.
Lately I have been thinking about what I hope this work adds up to. Not in a legacy-with-a-capital-L kind of way, but in a simple way. After more than 15 years of writing Boomer & Echo and helping people one-on-one, what would I like to be remembered for?
When I look at the financial choices Canadians wrestle with, whether it is when to take CPP, how to invest, or how to avoid paying too much in fees, a few themes stand out. If anything I have written or any conversation I have had has nudged people even a little in the right direction, that feels like a meaningful contribution.
Take CPP. The data is still stubborn. Around 90 percent of Canadians take CPP by 65, and only about 2 percent wait until 70. That gap costs people real money. If my work has helped move even a small fraction of people toward delaying to 70 and making the mathematically stronger choice, that is something I would be proud of.
The same is true for investing. For years, the simplest solution for most people has been a low-cost asset allocation ETF. Yet the biggest investment fund in the country is still a high-fee balanced mutual fund that charges close to 2 percent.
Every dollar that shifts away from overpriced products and toward something fairer, cheaper, and more diversified is a win. If even a handful of people bought VGRO, VEQT, XGRO, or XEQT because of something I wrote, and if that contributed in any way to the growth of these funds or the gradual decline of expensive closet-index mutual funds, that feels worthwhile.
And if I am remembered for only one thing, I hope it is helping to normalize advice-only financial planning. Not planning tied to investment products. Not planning for people with tens of millions of dollars. Just clear, transparent, conflict-free advice for regular Canadians. The kind of advice I wish had been available when I was starting out.
If more people demand transparency, real fiduciary care, and clear fees, and if the industry slowly moves in that direction, then this whole project will have been worth it.
That is the impact I hope to leave. No flash. No viral moments. Just better outcomes, more financial literacy, and fewer Canadians stuck with products or advice that quietly drain their wealth.
1. Helping Canadians make the smartest retirement decision they will ever make
I have spent years writing about CPP because delaying to 70 is, for most people, the strongest financial decision available in retirement. The math is clear, longevity research backs it up, and the behavioural benefits are real. More stable income. Less fear around withdrawals. Fewer decisions driven by market noise.
Yet the reality has not changed much. About 90 percent of Canadians claim CPP or QPP by 65. Only about 2 percent wait until 70. The biggest spikes still happen at 60 and 65, simply because those ages are easy and familiar.
This decision gap costs retirees thousands of dollars every year for the rest of their lives.
If my work has any legacy, I hope it includes helping shift these numbers. Not through lecturing or shaming anyone, but through patient, evidence-based education that shows people what they stand to gain by waiting.
Even a small increase matters. If the share of people claiming at 70 moves from 2 percent to 5 or 6 percent over the next decade, that is tens of thousands of Canadians with more secure retirements, more breathing room, and more confidence in their long-term income.
If I helped even a fraction of those people see that possibility, that feels like something worth leaving behind.
2. Making simple investing the standard instead of the exception
If there is one theme I have repeated more than any other, it is that investing does not need to be complicated. You do not need dozens of ETFs, individual stock picks, sector bets, cryptocurrency, alternatives, or a spreadsheet full of rebalancing rules.
Indeed, most Canadians would be far better off choosing a single asset allocation ETF and sticking with it.
When I first started writing about asset allocation funds they were far from mainstream. Today they are among the most popular ETFs in the country. VEQT and XEQT, in particular, attract billions in new money each year. They are simple, transparent, diversified, and inexpensive. They fit the needs of ordinary investors better than almost anything else available.
If my work helped take the idea of “just buy VEQT” from niche advice to common knowledge, that feels meaningful. I have seen this in emails from readers, in client meetings, and in parents telling me their kids invested their first dollars into a single ETF instead of trying to pick the next winning stock.
Simplicity works. Low cost works. Broad diversification works. If I have helped these messages spread even a little, I am happy with that.
3. Chipping away at the dominance of high-fee balanced funds
There was a long stretch of time when it felt unavoidable that the largest investment fund in Canada was a big-bank balanced mutual fund with a fee close to 2 percent. Millions of Canadians owned these funds inside RRSPs and TFSAs without realizing what they were paying for.
I have spent many years calling attention to this. Not because I enjoy criticizing banks, but because the numbers are so stark. A two percent fee on a balanced portfolio can reduce lifetime investment wealth by 25 to 33 percent (or more). That is not a minor drag. That is a meaningful loss of financial security.
In recent years, balanced mutual funds in Canada – once the default choice for many investors – have generally lost ground. ETFs, especially low-cost asset-allocation ETFs, have become the main growth engine. That doesn’t mean mutual funds have vanished, but the tide has clearly turned.
Low-cost ETFs have seen steady inflows. I certainly don't claim credit for that trend, but if anything I wrote gave someone the confidence to ask, “Why am I paying 2 percent?” and switch to something more reasonable, that is real-world impact.
If I live to see the day when Canada’s largest investment fund is a low-cost balanced ETF instead of a high-fee closet index, that will feel like a quiet win for consumers.
4. Building a path for regular Canadians to get honest financial advice
When I launched my advice-only planning practice, very few planners were working outside the product-sales system. Most Canadians believed that financial advice was inseparable from investment management. The default assumption was that if you wanted help, you had to buy something.
I wanted to show that regular people could get real financial planning without needing a large portfolio or a sales relationship. Just clear, objective advice for a fair price.
The response has shown how much this was needed. Hundreds of families now come through each year. Many arrive saying they had no idea advice-only planning existed. Others say they assumed planning was only available to wealthy households. And more planners are entering the field because they see the same demand.
If I have helped push the industry toward more transparency, clearer fees, and a higher duty of care, that might be the most meaningful contribution of all. Better advice leads to better outcomes, and better outcomes compound across lifetimes and generations.
Final Thoughts
I am not going anywhere. I enjoy the writing, the planning, the conversations, and the challenge of helping people make sense of their finances. But it does feel worthwhile to pause and reflect on the impact this work might have over time.
If, years from now, someone looks back and sees that I've helped even a small corner of personal finance in Canada move toward something simpler, fairer, and more transparent, that is a legacy I am proud of.
And the best part is that none of it depends on big platforms, flashy marketing, or viral moments. It is built on everyday conversations with Canadians who simply want to make good decisions with their money.
If I have helped even a little with that, then this work has been worth it.
My own VEQT focus, and all the supportive Comments I’ve read on your site over the years, clearly confirm that there is no doubt: your lasting impact is being felt by hundreds, probably thousands of us, Robb. And we are indeed grateful!
I just got my 20-something step-daughter to invest her TFSA savings in VEQT for the first time – previously she kept everything in a high-interest savings account. Thanks for all the lessons you’ve passed along, Robb! It gives me more confidence to pester family to improve their own situations.
Congratulations Robb – you have done just that. Based on a lot of what I have listened to, read and experienced you are helping many of us simplify what had seemed to be very daunting in the realm of Canadian finance. We are grateful for the impact you have made within the industry and for us personally.
You’ve helped me and my families finances immensely. Thank you Robb
Take care
Scott
HI Robb,
A couple of thoughts. First, for my own personal reasons, when I received my inheritance from my parents (they both passed in 2019, three months apart), I made a decision to revamp how I invested, and what I found worked for me was to invest in BTSX stocks – something that would keep me invested despite market dips. Three months after I started investing the COVID crash came and for a brief moment I panicked. However, after about a week or so (we happened to be in Punta Cana when the shutdowns started) I realized what an opportunity it was and went full force on building even bigger positions using our untapped (well, errrr, recently paid off) HELOC.
It was a bit risky, but turned out to be the right choice. Today that portfolio is worth over 2.5 x what we borrowed, delivers 2.5 x the interest cost in dividends, and of course we get the tax credit for the interest charged. We may have been better off with VEQT but receiving the regular dividends made it possible for me to avoid tinkering and falling back into my old bad habits.
Here’s where I DID listen to your advice (eventually). My kids turned 18 / 19 about a year later and they were able to start investing in their TFSAs. When I got them started I chose the same kind of investments for them. But, after reading your (and others’) blogs I realized that what would work for me, wasn’t the right choice for them.
Today they are invested in a few ultra low fee ETFs, VDY, VEQT, VFV, XAW, XUU. Yeah, lots of overlap there, but future investments will be put into VEQT – not sure there’s an urgent need to sell the other ones, but I am interested in your opinion on that.
As for CPP, between you and Adam Bornn it is firmly ensconced in my decumulation plan that we will defer CPP to age 70. My wife has a modest DB pension with a bridge benefit, so we are likely to take her OAS at 65 to make up for the loss of the bridge benefit, and my OAS decision will be based on cash flow / portfolio performance leading up to age 65 – by which time we will have been retired for 5-6 years.
I have thoroughly enjoyed reading your blog and appreciate all the time and effort you put into educating Canadians!
Happy Holidays!
James R
I have put my investments in VEQT because of what you have written, realizing simple is best. I also have appreciated your advice and answering my questions around becoming a financial planner, looks like I will be heading to school soon to get a diploma so I can begin on that journey, thanks!
Time to buy Canadian. Why not include Canadian origin asset allocation ETFs in your recommendations? BMO has a competitive lineup, and until the recent Vanguard MER cut, was several basis points cheaper.
Robb, thanks for what you do. As a result of recommendations from you and others I waited until age 70 to start CPP. Hard to believe only 2% do but my personal thanks to you.
During of 50 years of employment I worked for both Canadian companies and U.S. based multi national businesses. I bought “made in U.S.A.” and travelled extensively throughout the U.S. without a second thought. Trump’s threats and actions, including economic warfare, against Canada mean I now buy nothing “made in U.S.A.” and expect in my remaining years I will travel wide and far but nowhere in the U.S.A.
One disappointing aspect of your advice is your continued naming of ETFs marketed by Vanguard and Blackrock (two U.S. based companies) rather than those of Canadian firms like BMO’s ZEQT. I never worked at BMO, or any other Canadian bank, but the future well being of my kids and grandkids depends on good jobs being available in Canada. Likely the same for your kids. We all need to try and do better in support of good jobs in Canada.
Thanks for the thoughtful comments. I’m always happy to explain why I use the ETF lineup that I do.
I originally bought VEQT when it launched, before XEQT or ZEQT existed, and I’ve stayed with it because the structure, diversification, and philosophy match what I value most in an ETF. Vanguard Canada is headquartered in Toronto and employs Canadians, and its investor-owned structure (thanks to John Bogle) is one reason we even have widespread index investing today.
BMO’s asset allocation ETFs are fine, but their all-equity version leans heavily into the S&P 500 rather than the broader U.S. market. That’s a design choice I don’t prefer. And I’m not convinced that funnelling a few basis points of MER into one of Canada’s big banks meaningfully “supports Canadian jobs” when those same jobs exist at Vanguard Canada.
If someone prefers BMO for personal reasons, I totally get it. At the end of the day, all three providers offer solid products.
This is not all that different from investors who use ESG or socially responsible investment products in the name of doing the right thing for their values and ethics. Totally fine if you accept some trade-offs of diversification and returns. I simply prefer to vote with my wallet in other ways (plant-based diet, direct giving to charity, etc.).
Again, I appreciate the thoughtful comments and accept the criticism – I just wanted to explain where I’m coming from and that I’m not a shill for the US.
I’m sure it must get a bit lonely at times, blogging into the ether and not knowing if it is doing any good. That said, I’ve followed a lot of your advice over the years. Took over management of my portfolio and shifted into ETFs back in 2012. I am now melting down RRSPs to delay taking OAS/CPP until 70. These are but two examples. Multiply this by the number of people who have done the same and there is no doubt, Robb, you are fulfilling an important purpose. Keep on blogging! We are out there and we are listening!
Robb,
You, your blog posts over the last several years that I’ve been keenly following and your family’s trips/happenings that you keep us all entertained with, are the single biggest factors and single largest impact on my family’s financial life (period).
You continue to inspire us and I certainly hope to keep learning, keep reading and keep the conversations going.
Thank you for everything you do.
Rick
I’m more than grateful you’re not a TikTok dancer
You’ve immensely helped our families finances.
We’ve moved from complicated (crypto et al.) to simple (VEQT and VFV), we have a yearly plan and we can reach out to you as our situation changes.
The right advisor at the right time!
Robb this reads just a bit like reflections before a life change. I’d hope its an introspection piece that leads to more of the same.
In my case (age 68 with a 70 yr old spouse) I have been reengineering my RRSP, TFSA and non-registered accounts this year to rely heavily on XGRO rather than a trusted low cost balanced mutual fund that has been underperforming for too long.
XGRO as an answer simplifies things for my spouse and adult children’s accounts if I lose my marbles
A 100% equity ETF is a bridge too far, even for me.
Suprise revelations along the way.
1. RRSPs.
Until my 50’s I’d never thought our RRSPs were anything but ours. CRA has always owned a considerable piece. What was I thinking? I’ve been doing this since 1990.
2. Pooled assets.
Our brokerage recently displayed our investment accounts as one dollar value that is north of 7 figures and it shocked us to our core.
I’m not at all sure I won’t lose my lunch with a 15%+ ($150K) “dip” that is bound to come in the next 5 years. Buy Gaviscon and carry on, it’s just a bigger pie. It’s all about temperament and perspective. Equities got us here.
Living like we always have we have been carefully generous but loosening purse strings further is in the near future for family, friends and those in need.
Pay yourself first (thanks 1990 David Chilton), simplify, low cost, auto rebalance, diversify, delay CPP if you can, manage RRSPS/taxes (thanks for all this Robb), don’t scare or embarrass anyone with outsized generosity. They might think you are dying.
Finally give the gift of financial self reliance, it will last a lifetime. Do that through introducing them to this site, run away from banks and expensive investment houses and give them the newest Wealthy Barber.
Robb — Many years ago, I kept coming across financial blogs that linked to your site. It didn’t take long before I left those blogs behind in favour of your clear, concise explanations of topics that had once felt intimidating. Today, I recommend your website to everyone — from people nearing retirement, like me, to young adults just beginning their financial journey. You should take pride in the number of people you’ve helped put on the path to financial confidence and empowerment. It’s a greater good!
You do fantastic work Robb and many Canadians are better off for it! Hope you can keep doing it for years to come!
Robb – both my wife and I are very glad to have met you and to work with you. Your advice and guidance has been extremely helpful on the financial side of things and even more so in the emotional and mental part of planning and transitions. Your thoughtful conversations and recognition that there is more to life than a pure financial focus in money decisions has really improved our peace of mind. I thought when I first started reading this article that it was a farewell. I am very glad it is not… keep doing what you do – you make a big difference.
I still disagree with your insistence on people waiting to get CPP until age 70. If my husband had waited, he would have missed out on ten years of payments. When I retired, I did the math based on his familys history of not reaching 80, and that he had been working since he was 15. I encouraged him to apply at 60, and enjoy the money as spending money.
i realise the everyone is not in the same position , but your blanket advice definitey does not cover everyone . Sheila Reynolds
It’s only in retrospect that advice like that makes sense. You need to plan for what “the average” life expectancy is, and that clearly supports waiting until 70 for “most” people.
Robb I thoroughly enjoy reading your blog. I lost my spouse a few years ago. Prior to that we invested our RRSP’s with a friend of his who managed mutual funds. Since my spouse’s passing half of my RRSP is still managed by the same firm. The other half is in a Vanguard ETF. My TFSA is invested in ETFs My spouse had convinced me to take cpp at 62 (he didn’t want me to leave money on the table) & took OAS at 65. I wish I was reading your blog back then, I would have waited to take cpp & OAS at 70. I would have also transferred all RRSP’s to ETF’s. Because of your advice my daughter’s money is invested in VEQT & XEQT. Thank you for all the great articles, I look forward to reading them.
Robb you’ve been a big help to me and getting me to finally leave my expensive investment firm and fully switch to lower cost investments and have a real path to FI coming soon. I have also sent tons of people to your blog as it has such great common sense advice.
Thank you for the ongoing work. Some ideas take time and one size never fits all, so do not blame yourself: the reality of taking CPP earlier than suggested is different for different people. There is also a lot of fear about making a mistake and losing money if it is moved to a self-directed ETF. And there are many intelligent and capable people out there who does not want or feel they do not have the patience and brain to get into these topics, so they leave all their money to the “experts”.
I am a dual citizen Canadian and I have had too many bad experiences, not only with financial planners/advisers in big banks or firms, but also with fee-only FP who do a very sloppy job (and charge a lot!).
One reality I am seeing more and more is this: for one, there are many new Canadians (dual citizens, immigrants) whose reality is a bit more complex and will not receive the full CPP and OAS, so there is a lack of advice out there that matches their needs and on the other hand, there is an increasing number of Canadians who choose to retire abroad because of the weather or just because Canada is becoming impossibly expensive to retire here and have a decent lifestyle. Their reality is also poorly covered by planners, either because there is a lack of understanding of what happens with investments and other pensions when people leave the country, lack of understanding of other countries realities (re tax, healthcare, etc.)
And finally, a big issue in all retirement planning software (and the planners behind these plans) is to assume that people’s retirement budget is the same through all the 20-30 retirement years. They also fail to consider if one of the spouses passes and suddenly there is a reduction in CPP and OAS disappears, or what are the impacts on the assets passed to the surviving spouse, etc.
Maybe you can write about one or more of those topics?
CPP and OAS provide what amounts to a government backed annuity. One could always consider buying an actual annuity to fill in the gap.
I don’t know about advisors but their software likely provides for variability in expenditures, whether its due to large one-offs like buying a car or because of changes in spending patterns. I use MoneyReadyApp which has the capability to model this. Agree that its an important factor. Modelling variability in returns using Monte Carlo simulations is even more important; I know that some advisors don’t do that. The advantage of “playing” with the software yourself is that you can keep testing numerous scenarios without having to go to a third party every time.
I have delayed CPP until 70 and have taken steps towards lower fees in my investments.
Your advice and that of Frederick Vettesse were instrumental in doing that.
“If I helped even a fraction of those people” Rob, of course you have! Your content is current, valuable, to the point, honest, and useful. The amount of positive comments you receive on each post should give you confidence that you’ve been on the right path all along. I’m looking forward to the 2025 wrap up post with the your current financial positions, please don’t pause to reflect on your impact until after that post! 🙂
Hi Robb,
I’m one of your clients. Your financial and investment advice, along with your blog have been incredibly useful for our family’s financial matters. Thank you for all you do and keep up the amazing work!
I am forever grateful to you for your advice and support as a fee for service planner which allowed me to break up with my previous financial advisor and provided me with a solid financial plan to follow. I love reading all your newsletters and have learned so much. Thank you for all you do.
Thank you Robb. I started following you when I did a search for VXC and stumbled across your site. I still love VXC and it is about 25% of my portfolio. I’ve held it for around 10 years and through all the market ups and downs, have slept well at nights. However, I took your advise and moved another 25% of my portfolio into VEQT about a year ago. I’m confident it will perform well over the long term and continue to let me sleep well. You have added value with your wise and informative articles. I just wish I could turn the clock back and incorporate your ideas on RRSP drawdown and CPP starting age. Keep up the good work and I remain one of your faithful readers.
You guys! Thanks so much for all of your kind words and thoughtful replies. It truly means a lot and keeps me coming back here every week, month, and year. Appreciate you!
Hi Robb, I have recommended you countless times to friends and family. I have definitely drank the cool aid and will be waiting till 70 for CPP. I also have taken your recommendations on investing and I have benefited from your unbiased fee based approach. After interviewing 5 fee based advisors…. I picked you. Absolutely one of the best decisions in my life. Thank you for everything you do and happy holidays to you and your family!!!
Thank you Robb for helping us. You have made a huge difference to our confidence in investing and considering retirement and I love that your advice is mercifully straightforward and based in solid data. The biggest difference you have made though, is that I have lost alot of my anxiety about finance because you have made it so understandable both in theory and in the practical steps we need to take. I have passed along your advice and blog to my adult kids who understand what I do now for their futures- simplicity is such a great asset in your approach.I hope you do the job for a long time to come- you are terrific at it. Please know what a difference you make.
Excellent Robb!!
Robb, your work is a quiet, steady effort that gives ordinary Canadians like me, clear and uncomplicated financial guidance. Your advice regarding simple, diversified asset‑allocation ETFs has really made a big difference in my life. You’re helping families make smarter retirement, investing, and budgeting choices. I am only one of many who have shifted to better options because of your articles and conversations. Thanks Robb for making our retirements more secure and our investments much wiser!
Reading your column and the comments from just a few of the many people you have helped, reminded me of this short poem by the American poet Emily Dickinson.
If I can stop one heart from breaking,
Emily Dickinson
If I can stop one heart from breaking,
I shall not live in vain;
If I can ease one life the aching,
Or cool one pain,
Or help one fainting robin
Unto his nest again,
I shall not live in vain.
Robb, know this ( per Emily Dickinson)
“ You make a difference “
I can’t thank you enough!
All great points.
People commenting that investment decisions should be driven by “buy Canadian” logic are way off the mark. Several reasons:
1. Investment decisions should be driven by logic rather than emotion. Its your family’s financial security. If you love BMO executives and their bonuses more than your spouse, kids and grandkids, only then picking investments should be done based on FI domicile.
2. Helping Canada is a commendable objective. That’s what charity is for. You are also helping by earning more, increasing your productivity, working longer, paying more tax.
3. Punishing foreign owned Canadians subsidiaries is counterproductive because it could lead to even less investment in Canada. Thats shooting yourself in the foot. Canada is a mid-sized country, prosperity is heavily dependent on trade. The fact our neighbour is doing stupid things does not mean we’ll be better off by promoting isolationism.
4. Vanguard innovated and brought asset allocation ETFs to Canadian market. Then BMO and others jumped on the bandwagon. That’s a net benefit to Canadians at large. Trying to force Vanguard out of Canada is anti-Canadian because it will hurt Canadians, reduce innovation and competition. Simple as that.
Our federal and provincial governments seem to be encouraging this type of dumb and harmful economic nationalism by directing pension funds to “invest in Canada”. Very unfortunate.
I’ve been investing in ETFs since 2008/2009 and in the early days we bought and held XIU, IYY and EFA (Cdn, US and Global equity etfs). I just looked and we were buying XIU for $14.30 a share back in 2009 ($46.06 this morning). We adopted a couch potato portfolio thanks to Dan Bortolotti among other personal finance bloggers. We fired our financial planner and went fully self directed. Fast forward to today and we have eight figure net worth and our portfolio is still self directed and holds less products than ever before. We still hold some legacy products in non-reg accounts like XIC that we won’t sell due to capital gains until we retire in 2027 (and nice XIC is having a huge year in 2025). Registered accounts today our largest holding is VEQT. I have a legacy fund for my kids that is 100% XEQT. We do hold a cash wedge and will keep a few years of anticipated annual spending in money market funds and investment savings accounts going into retirement. No bond funds, no GICS. Keep it simple, cheap and don’t play with it too much.
As for CPP we will likely wait until 70 but the income will be inconsequential for us. I can see the argument to take it earlier for many people. I have a 62 year old friend who took it at 60 and is adding it all to his travel fund and he and his wife take several great vacations a year while they are young and healthy. I don’t see anything wrong with that especially since he has a gold plated corporate pension providing most of his income in retirement. Anyone who has seen a parents health decline in their 70’s is more likely to have an “enjoy it while you can” viewpoint.
Hi Robb
I just want to add myself to the list of people who have prospered monetarily and benefited mentally from your advice. Today I am going through my investment journal weeding out notes, articles, spreadsheets etc. from all the ideas I pursued prior to index ETF investing. Next year I will be converting to a RIF and will be following your advice on the HISA and quarterly re-balancing. Your latest article on this was the piece that was missing for me and could not have come at a better time. So thank you so much for all you have done for me (and many others)
Thank you Robb for your straightforward, evidence-based blogs, which I have followed for years. In the past I have been burnt by financial advisors who churned my accounts and charged excessive fees. Since moving to ETFs and TFSAs my wife and I have built a solid retirement plan and have no financial worries at all. I regret taking CPP at age 60, but in the overall scheme of things it’s not a big deal. Keep up the good work!
Robb – I enjoy reading your articles and both VEQT and VGRO are part of my life now. Not sure what triggered this cryptic article here but i echo the sentiments of other members / fans who commented here. Oh, and I am going to take my CPP at 70 🙂 long ways to go but that is the plan. Thanks for everything you did
A simple but powerful….Thank You!
Your advice is always sound and your writings informative, educational and entertaining. I actually save most of your emails after reading them because they often contain content that’s worth revisiting time and again. Financial Planning gold! (I don’t do this with any other financial bloggers or newsletter authors.)
Thanks for what you do and for what you so generously share with us. Keep up the great work and all the best to you and yours in 2026.
Cheers!
You have already made a good Legacy , Robb. You have made a huge impact on my life through your simplicity and real fiduciary care. You demystified financial planning and investing for me. As a single woman, this enabled me to feel independent and in charge of my future. THANK YOU!!
You’re a legend, Robb, and have helped me and my family out in a massive way. By reading your blogs for years, and hiring you for more personal advice, we are on a trajectory financially I probably never thought possible.
thank you,
David