Every divorce is different, and depending on the complexity of your circumstances, you may be required to produce various documents to support any claims you need to make during the process.

Gathering information or knowing where you can find it ahead of time can help relieve the stress of preparing for divorce.

Financial information

• Income tax returns (consider how many years you may need to go back to)
• Notices of assessment
• Bank statements
• Investment statements
• Credit card and Line of Credit statements
• Property tax statements
• Valuation estimates (home, vacation property, business)
• Valuation estimates for jewelry, antiques, art, collectibles, etc. (use your insurance schedule, if available)
• Livestock inventory (if applicable)
• Previously completed financial plans
• Pension statements/valuations
• CPP/QPP eligibility statements
• Estimated living expenses
• Loan and mortgage statements
• Credit report
• Insurance policies and statements (personal and business)

Business information

• Business organizational chart
• Share ownership details, including class, adjusted cost, and paid-up capital for any private corporations/partnerships/joint ventures
• Unanimous Shareholder Agreement for any privately held corporations/partnerships/joint ventures
• Financial statements for any private corporations/partnerships/joint ventures
• Corporate tax returns for private corporations/partnerships/joint ventures
• Corporate notices of assessment

Personal information

• Pre- or post-nuptial agreement
• Safety deposit box contents

Items to consider updating

• Emergency contact information for schools/daycare/sports organizations
• Address changes
• Email address
• Account ownership for utilities, telephone, streaming services, memberships and reward points
• Estate planning documents (Will, POA and Personal Directive)
• Beneficiary designations (TFSAs, RRSPs, pensions, life insurance)
• Any pre-authorized payment instructions
• Health insurance coverage
• Financial plan
• Estate plan

Other things to do

• Close joint accounts
• Open new accounts solely in your name
• Notify tax authority (CRA Form RC65 – Marital Status Change)
• Change access usernames and passcodes
• Consider creating a trust to ensure your wealth follows your desired path after your death

Going through a divorce can be a complicated process. The Dri Financial Group can help you navigate the complex financial decisions during a divorce and plan for a more secure financial future.

source https://richarddri.ca/going-through-a-divorce-this-checklist-can-help-you-prepare/

To help protect more vulnerable clients from financial abuse and exploitation, the Canadian securities regulators recently introduced the Trusted Contact Person (TCP) standard.

What is a Trusted Contact Person?

A TCP is someone you authorize your Scotia Wealth Management relationship manager to contact if they suspect you’re being financially exploited or if they’re concerned about your ability to make sound financial decisions because of physical or mental incapacity.

Who can be a TCP?

Your TCP can be anyone who is at least 18 years old and typically is not involved in your financial decision-making. Ideally, your TCP will be knowledgeable about your financial circumstances and overall personal situation, plus they must be trusted to keep your best interests in mind. Often the TCP is a significant other, family member or close friend, but it may also be a caregiver or other professional like an accountant or lawyer who can advocate on your behalf.

What is the role of a TCP?

A TCP is someone your Scotia Wealth Management relationship manager can turn to if they suspect you may be the victim of financial exploitation and unable to make sound financial decisions. The TCP will apprise your relationship manager of your current state of mind and whether you might be vulnerable to financial exploitation because of incapacity or other reasons.

The TCP may also be asked to provide details such as your current contact information – it may have changed but was not updated at your advisor’s firm – or your Power of Attorney’s contact information.

Who should appoint a TCP?

Seniors should name a TCP, as they are typically more vulnerable to financial abuse and more likely to experience age-related health issues like dementia or other illnesses. Regardless of your age, we recommend appointing a TCP to provide an additional layer of protection for your finances.

When do I appoint a TCP?

You will be prompted to name a TCP when opening an investment account with your Scotia Wealth Management relationship manager. Should your circumstances change, and you need to amend your TCP, you may do so anytime by completing a new form. While it is not mandatory to name a TCP on your account, we highly recommend doing so for an added level of protection.

How is a TCP different from Power of Attorney?

Unlike a TCP, someone who has Power of Attorney (POA) is legally authorized to make financial and/or healthcare decisions for you. It’s possible for someone with POA to make poor decisions or even abuse their power, which is another reason to have a TCP who can raise concerns with your investment advisor. Your TCP is not permitted to undertake or approve trading activity in your investment account, nor will an investment advisor grant your TCP access to your account or account information.

How is a TCP different from trading authority?

With trading authority, you’re authorizing someone to make decisions for you within your investment account. As mentioned, your TCP is not permitted to undertake or approve trading activity in your investment account, nor will an investment advisor grant your TCP access to your account.

For more information about whether you should consider naming a Trusted Contact Person, please contact our office.

source https://richarddri.ca/protect-your-finances-with-a-trusted-contact-person/

U.S. stocks fell to start the week as investors braced themselves for fresh inflation data to be released mid-week.

Tech stocks were hit hard Monday as the Nasdaq fell 263 points, while the Dow and S&P 500 dropped 164 and 45, respectively. In Canada, the TSX declined 206 points as falling commodity prices weighed on the index.

It was another down day for the TSX on Tuesday, as Canada’s main stock index fell to its lowest level in 16 months, with crude prices plunging more than 7%. Recession fears escalated further as the U.S. yield curve inverted the most since March 2010. By Tuesday’s close, all four North American indexes were in negative territory.

The Bank of Canada surprised investors and analysts alike when it increased its benchmark interest rate by 100 basis points on Wednesday, the most aggressive rate hike since 1998. Wednesday’s move was the fourth consecutive interest rate increase since March, raising the overall policy rate to 2.5%.

In related news, headline U.S. consumer inflation rose 9.1% in June, year over year, the fastest pace since November 1981. On a month-to-month basis, core prices rose 0.7% in June, a sign of widespread inflationary pressures. The latest Consumer Price Index (CPI) data could force the Fed to move aggressively at its July policy meeting.

Although North American equity markets turned sharply lower after the release of the CPI data, all four major indexes pared losses throughout the day to close slightly in the red. The Nasdaq and the SPX were finished essentially flat, while the Dow, and TSX recorded minor losses.

U.S. stock indexes fell sharply after Thursday’s open but rallied throughout the day to close mixed. By Thursday’s close, the S&P 500 declined 11 points, the Dow dropped 142 and the Nasdaq finished flat. In Canada, the TSX fell 286 points, weighed down by commodity weakness and fears that the Bank of Canada’s 100-basis-point rate hike will negatively impact mortgage growth at financial institutions.

Losses Continue to Mount for North American Indexes

For the four trading days covered in this report, the Dow lost 708 points to close at 30,630, the S&P 500 dropped 109 points to settle at 3,790, while the tech-heavy Nasdaq fell 384 points to close at 11,251. In Canada, the TSX lost 694 points to end at 18,329.

Read more

source https://richarddri.ca/bank-of-canada-raises-key-rate-1-u-s-inflation-hits-9-1-in-june/

When Mary died, I tucked her wedding and engagement rings into the safe. I’m still not sure what to do with them – or my own rings.

What follows is my story. A fairly (wait, strike that, highly) personal one about me, my wife, my widower status, and my wedding ring. There’s no financial aspect here unless you consider the monetary value of a piece of jewelry. Which, in this case, I don’t.

My wife Mary passed away three years ago. At that point, we’d been married 30 years, and I wore my wedding band every single day of our marriage, never once taking it off. And I kept wearing it after her death.

Then just around the first anniversary of her passing, I felt the urge to take the ring off. Why? I wasn’t completely sure. But as I look back, I think it marked the moment I was ready to move on. From then on, as time passed, I began connecting with old friends, resumed riding with my old cycling teams, and yes because it was inevitable, started dating.

I had no idea what to do with the ring.

RINGS IN SEARCH OF A HOME

I had stored Mary’s wedding rings in our safe, so logically I felt that’s where mine should reside as well. It lived side-by-side with Mary’s until one of my sons asked a very serious – and very provocative question.

Dad, he asked, could he have mom’s engagement ring to present to his girlfriend as her own ring when he proposed?

He felt it would honour his mother as we, the Dris, welcomed his bride-to-be into the family. I couldn’t say I disagreed; in fact, I was initially quite fond of the idea. I thought that, perhaps, it could keep Mary’s legacy alive forever as we passed her ring from one generation to the next.

Then I slept on it. Ultimately, I decided this wasn’t what I wanted. But why?

WHERE DOES A RING BELONG? A HIGHLY PERSONAL DECISION

Trust me, a lot of very complex emotions went into this decision. I didn’t want to offend my son or have him take it personally. I thought (and still think) his fiancée is a lovely person absolutely deserving of wearing Mary’s ring.

But I told you this was a personal story and, to be frank, my decision was all about me. The rings remained in the safe.

I still want the rings in my life. I want to know I can go to the safe at any time and hold our rings in my hand. I want, I need – that closeness, that connection.

I also wasn’t ready to see the ring on any other woman’s finger. That may change one day, but I gave them to her, and they’re ours. They’re a tangible symbol of our commitment and love for each other.

Finally, and I hate to say it, what if divorce should enter the picture? The Dri family could face the possibility of losing the rings forever. An unthinkable scenario.

SO MANY POSSIBILITIES. BUT NONE FELT RIGHT…. FOR ME

So, the rings sit in the safe. I pondered other options, but they didn’t work for me. That said, I’d like to share them because you may feel them right for you. But I’ll explain my thinking regardless.

Continue wearing the ring on the left hand. Not for me. While I’ll always love Mary, my reality is I’m no longer married. It feels dishonest to me.

Wearing the ring on the right hand. While this makes perfect sense and many widows/widowers do this, it’s simply too uncomfortable and unwieldy for me. I’m just not a jewelry guy.

Wearing the rings as a necklace. Another very viable option – for someone else. I tried it out, but the rings were heavy, and I constantly fretted the chain would break and I’d lose the rings forever.

Refresh the ring and wear it. I can absolutely see how a widow or widower could add a stone or alter the shape and create something entirely new that still honors their partner. But again, I’m not a jewelry guy.

Donate the rings. When I finally downsize my home, I plan to sell my furniture and donate the proceeds to the Princess Margaret cancer foundation, which did so much for Mary. So why not her rings? It’s a perfect tribute. Maybe by that time, I can let go. Maybe not.

Consider the rings an heirloom and specify who inherits them in the Will. I like this idea a lot. I get to keep the rings, and once I die, they are inherited by my children, then passed to a grandchild, a great-grandchild, a great-great…. well, you get the idea.

Put it away (at least for now). That’s where I am right now. That may change, and when that day comes, I’ll re-explore all the options I laid out above. But I’m still not ready to let go, so the safe remains my go-to.

ULTIMATELY, THERE IS NO RIGHT OR WRONG DECISION

When a spouse dies, you’re suddenly faced with countless, near-impossible decisions. Some are purely financial, others hugely emotional. Deciding what to do with the wedding rings (both yours and theirs) is one of the hardest. I know how I feel, but I’d love to hear from other widowers and widows about what they did or plan to do. Was it one of the options above? Or something completely different. As I said, this is all very personal and there are no right or wrong answers, so feel free to share. We all handle loss differently without shame.

Like those who’ve passed, a wedding ring goes on a new journey after that passing. It lives on, along with the memory of the wearer. Wherever Mary’s rings find themselves in the future, even tucked away, they’ll continue to honour her forever.

The process of finding a financial advisor can be overwhelming. It is our job to make that process simpler and easier.

Dri Financial Group’s proprietary Wealth Navigator Process is designed with you in mind.

Its structured framework helps you make an informed decision and feel confident in our team and management practices before we get started.

We offer you a range of services from creating bespoke financial plans and providing investment advice to helping you take advantage of our investment models. If you would like more information on the Wealth Navigator Process or our team, call me any time at 416.355.6370 or email me at richard.dri@scotiawealth.com.
—

Beyond helping you manage your finances, we take pride in motivating, educating and helping you expand your financial literacy. We are here to answer any questions you have and to help you feel in control of your financial destiny.

If you are ready to dive deeper into your financial literacy journey, we have a wide range of free tools and educational resources available.

1. • Subscribe to our ​Never Retire Newsletter
   • Contact us to ​order a complimentary e-book
   • Check-out our latest ​Wealth Navigator P​odcast
   • Follow me on ​LinkedIn

source https://richarddri.ca/what-does-a-widower-do-with-the-wedding-rings/

Although U.S. markets were closed for the July 4th holiday, Canada’s TSX index rose on Monday, led by the energy sector, which gained 2.7% as crude prices climbed more than 2% on concerns of tightening supply due to cutbacks by OPEC.

Looking back on Q2, the TSX fell nearly 14%, its biggest quarterly decline since Q1 of 2020.

On Tuesday, the Nasdaq and S&P 500 closed higher after a late-day rally, while the Dow declined 129 points. Meanwhile crude oil prices tumbled below US$100 a barrel on concerns that slowing economic growth could dampen demand for oil. That was bad news for the TSX, which shed 194 points, dragged down by plummeting energy and materials shares.

It was a volatile session Wednesday on Wall Street with all three indexes recording minor gains, as investors sifted through the minutes from the latest Federal Reserve meeting. It was another down day for the TSX, however, as weakness in oil and gold prices once again weighed on the index.

In news from the U.K. Thursday, Boris Johnson said he would step down as prime minister after a tidal wave of key government officials resigned from his government. News of Johnson’s exit was good news for the pound, which registered gains following the news.

Back on Wall Street, U.S. indexes closed the day higher in a broad-based rally that included everything from financials to consumer staples. By Thursday’s close, the Dow was up 347 points, while the S&P 500 and Nasdaq added 57 and 259, respectively. In Canada, it was a bounce-back session for the TSX, which saw a strong rebound in commodity prices, raising the index 333 points.

North American Indexes Gain Ground

For the four trading days covered in this report, the Dow added 287 points to close at 31,384, the S&P 500 rose 77 points to settle at 3,902, while the tech-heavy Nasdaq jumped 493 points to close at 11,621. In Canada, the TSX gained 202 points to end at 19,063.

Read more

source https://richarddri.ca/volatile-week-for-tsx-as-commodity-prices-seesaw-nasdaq-gaining-momentum/

Yes, July 1 is called Canada Day. But now might be the perfect time to discuss your “Independence Day”. Financial independence, that is.

Canada Day was a few days ago, fireworks, ketchup chips, BBQs, and all. And as I write this blog my eyes can’t stop shifting from my laptop screen to the Canadian flag flying in the school playground just beyond my backyard.

How lucky are we to live in this country? This free, tolerant, peaceful, and – yes – unusually polite place we call home. Is Canada perfect? No, of course not. No nation is. But in an increasingly (and how do I say this politely?) unsteady world, I’m grateful our daily lives aren’t clouded by rampant violence, government prosecution, or hatred (despite what some media outlets and radicals might say – don’t believe them, they’re wrong).

I’m thankful that my parents chose Canada of all places to emigrate and proud that my own family and future generations of Dris – have a home where they can truly thrive.

Okay, so before I break into a spontaneous rendition of “Oh, Canada” – which trust me, nobody wants to hear – let’s shift gears to what I’m here for. To discuss the current situation halfway through 2022, and some recommended investment strategies.

WHERE WE’RE AT SIX MONTHS IN?

Depending on your individual asset allocation and geographic diversifications, investment portfolios declined by approximately 5-7% in the first six months of 2022. It may be a small consolation, but those declines are less than what we’ve seen in the indexes. For example, the S&P/TSX declined by 9.9%, the S&P by 20.0%, and the NASDAQ by a full 27.6%. Bond indexes were also down by around 11.4% (as measured by iShares Core Canadian Universe Bond Index ETF).

Suddenly, that 5-7% drop feels a little less painful.

Declines like this make me (and probably you) ask…” Why am I investing?” and “Do I have the appropriate investments to achieve that ‘Why’?”

FIRST QUESTION FIRST: “WHY AM I INVESTING?”

A surprising number of us never ask “why” we’re investing. We just do. But if you ask why, the answer will inform your strategy and create the benchmark to determine if your strategy is working.

Let’s say your “why” is to accumulate enough assets that they’ll generate an income that can let you stop working – or at least work less. But let’s drill down… what does “not working” really mean?

What you’re looking for is financial independence. And this is often best achieved when your investment income meets or beats your lifestyle expenses.

So, if you want to maintain a lifestyle that costs $100,000 a year, where will that extra $55,000 come from?

I’m going to use what’s known as the 4% Rule. Following this rule and using these figures, financial independence occurs when approximately $1,375,000 has been saved. Then you can live off the dividends. How did I get to that number? It’s really not complicated; you can read up about the 4% rule here.

YOU HAVE YOUR “WHY”. YOU’VE GOT YOUR NUMBER. NOW FOR YOUR “HOW”.

Okay, we’ve established you need to save $1,375,000. What’s the strategy? If you know me at all (as a client or reader of my blogs), you know I like to focus on dividends and dividend growth. My research has consistently shown that companies that pay increasing annual dividends outperform the major equity indexes.

Hence my motto: Dividend increases lead to stock price increases. (Read what I mean here.)

Below is a look at the thirteen companies in the Richard Dri Financial Canadian dividend growth model that have increased their quarterly dividends during the first six months of 2022 – as well as the respective percent increase (additional increases are expected by year-end).

Of the 20 companies in our model, all have paid first and second-quarter dividends while these thirteen have increased. I expect the remaining seven to do likewise before the year is up.

FROM “WHY” TO “HOW” TO “WHAT’S NEXT?”

If your “why” is to make work optional and your “how” is a dividend growth investment strategy, then I suggest you judge the performance of your investments against these two benchmarks:

• Are you still on track to hit your savings target?
• Are the stocks in the investment portfolio paying a consistently increasing quarterly dividend?

Those are the only two questions that matter. Don’t fret over media headlines, rumors, or keeping up with the Joneses. Focus on achieving your personal investment goals.

If your investment portfolio is down, look to reduce or defer your family expenses. When your portfolio exceeds your projections, consider increasing them. Also, are all stocks in your investment portfolio paying and increasing their dividends annually, if so, consider holding the status quo, if not, consider replacing the stock(s). The advice doesn’t get much simpler than that.

If you’re not 100% sure you’re on track with your savings goal, or if your personal situation has changed, please call my office. My team and I will be happy to re-evaluate your projections and offer any necessary corrections.

Until then, I’m going to go back to admiring our flag – and maybe humming just a little bit of “we stand on guard for thee”.

The process of finding a financial advisor can be overwhelming. It is our job to make that process simpler and easier.

Dri Financial Group’s proprietary Wealth Navigator Process is designed with you in mind.

Its structured framework helps you make an informed decision and feel confident in our team and management practices before we get started.

We offer you a range of services from creating bespoke financial plans and providing investment advice to helping you take advantage of our investment models. If you would like more information on the Wealth Navigator Process or our team, call me any time at 416.355.6370 or email me at richard.dri@scotiawealth.com.
—

Beyond helping you manage your finances, we take pride in motivating, educating and helping you expand your financial literacy. We are here to answer any questions you have and to help you feel in control of your financial destiny.

If you are ready to dive deeper into your financial literacy journey, we have a wide range of free tools and educational resources available.

1. • Subscribe to our ​Never Retire Newsletter
   • Contact us to ​order a complimentary e-book
   • Check-out our latest ​Wealth Navigator P​odcast
   • Follow me on ​LinkedIn

source https://richarddri.ca/fireworks-finances-and-2022-so-far/

Your cottage is more than a property, it’s home to endless family memories. Often, they’re legacy properties passed down from generation to generation. But what will happen when it’s your children’s turn to take ownership?

Heading north up the 400 (with hopefully a good head start on traffic), stopping at Timmys halfway for a double-double, maybe a detour to your favourite Chip Truck, then finally pulling onto your property only to be greeted by the sounds of loons and the glistening lake. Does it get more Canadian than that?

Cottage Life is the quintessential Canadian experience – one shared with family, often on a property, you spent your childhood on a generation or two ago.

But with that comes something I’ve seen too often as a financial advisor. As families grow larger and brothers and sisters have kids of their own, there’s not always a clear understanding across the generations regarding ownership and usage. Establishing that will help make family time at the cottage all the more enjoyable and harmonious.

A cottage sharing agreement, negotiated and implemented while the parents are still actively involved, can be critical to ensuring that family time at the cottage remains enjoyable and harmonious well into the future.

WHAT IS A COTTAGE SHARING AGREEMENT?

A cottage sharing agreement is a practical detailing (no emotions allowed) of agreed-upon guidelines on how to transfer cottage ownership and control with the goal of keeping the property in the family.

Specifically, the agreement can help ensure:

• The cottage is safely passed from one generation to the next
• Children become stewards for the next generation
• A structure is in place for children when the parents are no longer involved — this can include outlining financial responsibilities, use-sharing issues, division of labour, and a fair method of dispute resolution

WHAT SPECIFICS SHOULD A COTTAGE SHARING AGREEMENT INCLUDE?

The purpose of a cottage sharing agreement is to avoid any surprises or family tensions after parents pass on and the will is read. So, it must involve both the active parents and their children. There are a lot of often-unconsidered responsibilities involved in cottage ownership, so the more complete the agreement is and the more heads it has nodding in agreement, the better it will serve the family.

Here are a few things to consider and to put into the agreement:

• Who gets to use the cottage? Owners only, the family of owners, or friends? Are guests or non-family members permitted?
• How will you use the cottage? Should all children use it together, or will time be split evenly between siblings? Is there a time when no one should use the cottage?
• What are the house rules? When a child stays at the cottage, what are their responsibilities? What items or activities are prohibited? Are pets, smoking, and noisy parties/watersports allowed?
• Can it be rented to others? Can any of the children rent out the cottage during their allotted time or non-use? Can it serve as an Airbnb? If so, how will any revenue be shared?
• How should costs be shared? How will utility bills, municipal taxes, and insurance premiums be split among children? Should ongoing costs be shared equally or in proportion to usage and/or the individual child’s ability to afford the costs? Who is responsible for paying these bills on time?
• Who is responsible for opening and closing? If it’s a seasonal property, whose job is it to open and close the cottage?
• Who oversees maintenance and repairs? Which improvements should be budgeted for to ensure the cottage’s upkeep? Who should be in charge of updates and repairs?
• How should collective decisions be made? Majority vote? Or a unanimous decision?
• What are the inheritance guidelines? If an heir dies, should the surviving spouse inherit the share of the cottage? Or should it be passed down to the individual’s children?

By proactively dealing with issues such as these, your family can successfully avoid potential (and potentially nasty) friction among siblings.

Trust me, you’ll be thankful you did this.

KEEPING IT IN THE FAMILY

Let’s jump to the future when it’s time to pass on legal ownership to the next generation. Your cottage sharing agreement will need a safe and specific inheritance path. Without an agreement, any owner (let’s say it’s shared among kids) can apply to the court to have the property sold, and his or her share paid out. With an agreement in place, owners agree to give up this legal right to force a sale.

Now let’s fast-forward a bit further – to when your children face the question of who will inherit their share when they pass? Here are a few questions to think about:

• Does an owner’s share go to their surviving spouse, who may later remarry?
• Does the shared pass on to the deceased owner’s children?
• Should the surviving parent have a life interest, ensuring his or her continued right to use and enjoy the cottage?

That’s a lot to think about. A cottage sharing agreement can help effectively address the inevitable issues of inheritance such as these.

PROMOTING FAMILY PEACE

My three kids love each other beyond comprehension – yet all are different as can be. At times you wouldn’t think they share the same DNA. So, differences of opinion are normal – and inevitable.

The key purpose of a cottage sharing agreement is to determine ways to keep disagreements from blowing up into full-fledged family disputes.

Differences of opinion might best be decided by a simple majority vote. This tends to work well for non-critical decisions such as redecorating or usage. More complex issues (additions to the cottage, sale to non-family members) may call for unanimous approval. An agreement may also provide for amicable approaches like mediation.

FAMILY COUNCIL MEETINGS

Consider making family council meetings part of your agreement – establishing a routine time or date for family members/owners to discuss and decide on cottage matters. Annually works for most, and meetings are best held in winter away from the property. Discussions generally involve setting a budget for operating expenses and agreed-upon repairs and improvements.

If the agreement provides for periods of exclusive usage, then the family council is the most appropriate time and place to figure out who gets which block of time. For expenses for repairs and improvements, decide on what they should be, when they should be scheduled, and what the budget should be. The council can also choose how to allocate responsibilities for the upcoming year, including bill payments, opening, and closing, sharing chores, etc.

GETTING STARTED

Even the most carefully thought-out cottage agreement won’t prevent the occasional sibling disagreement or family friction. Its goal is to diffuse most problems before they become an issue.

To do it right, cottage succession planning may involve several experts, including wealth advisors, appraisers, and estate and trust professionals. The agreement is a legal contract, so starting the process with a lawyer who can identify the issues, provide recommendations, and a draft agreement to discuss with your family will save time and avoid trouble.

If you’d like to discuss the financial aspects of a cottage-sharing agreement, I’m happy to sit down with you personally to chat.

Uncomfortable as this may seem (who wants to talk about death when you could be kayaking?), a family gathering at the cottage this summer might just be the perfect time to start the discussion about a cottage sharing agreement. A conversation over smores can ease you into the idea, and maybe even bring up fond memories of what the family cottage means to all of you – past, present, and in the many years to come.

The process of finding a financial advisor can be overwhelming. It is our job to make that process simpler and easier.

Dri Financial Group’s proprietary Wealth Navigator Process is designed with you in mind.

Its structured framework helps you make an informed decision and feel confident in our team and management practices before we get started.

We offer you a range of services from creating bespoke financial plans and providing investment advice to helping you take advantage of our investment models. If you would like more information on the Wealth Navigator Process or our team, call me any time at 416.355.6370 or email me at richard.dri@scotiawealth.com.
—

Beyond helping you manage your finances, we take pride in motivating, educating and helping you expand your financial literacy. We are here to answer any questions you have and to help you feel in control of your financial destiny.

If you are ready to dive deeper into your financial literacy journey, we have a wide range of free tools and educational resources available.

1. • Subscribe to our ​Never Retire Newsletter
   • Contact us to ​order a complimentary e-book
   • Check-out our latest ​Wealth Navigator P​odcast
   • Follow me on ​LinkedIn

source https://richarddri.ca/keeping-the-cottage-in-the-family-happily/

When I became a widower, all of life’s have-to-dos seemed to double. I needed to find a way to simplify, so I could make the most of work and home.

What a long, strange, tumultuous, overwhelming last few years it’s been – for the world at large, and for me personally.

For everyone everywhere, COVID redefined already busy lives by adding childcare, homeschooling, endless Zoom meetings, and an amped-up cleaning and sterilizing regimen to the mix. As we return to normal, I don’t the hecticness subsiding.

For me, I became a widower just before the emergence of COVID. The stress that was put on me both personally and professionally was crushing at times, with the death of my wife Mary meaning not only the loss of my life partner and best friend but the person who took care of family business while I looked after my company.

Mary was responsible for all things financial at the Dri home. I might be the professional financial advisor, but she paid the bills, reconciled the bank accounts, paid off the credit cards, applied for all health insurance reimbursements, took care of our rental properties, and monitored all house maintenance contracts (landscaping, snowplowing, window washing, lawn care, etc.), the list goes on.

If it involved money, Mary was on it. Oh, and this was while taking care of three kids (and me!) and working her part-time bookkeeping job. How did she do it?

I’ve always said I had an easy job in our marriage.

But now, with her gone, I had to take on her past role over and above my already packed 9-to-6. I knew I couldn’t maintain my business life and handle all of Mary’s responsibilities too. I needed a plan – one where I could continue to run my business, be a mom and dad for the kids and, somehow, do all the things that Mary did.

NEVER OVERESTIMATE YOUR ABILITY TO ‘DO IT ALL’

If you read my blogs, you know I tend to overestimate my time availability and take on too much work. So, of course, I assumed I could do my job and Mary’s too.

Huge mistake.

It was a disaster. I was miserable, overwhelmed, and white knuckling through every single day. This couldn’t last.

ZEROING IN ON YOUR ‘UNIQUE ABILITY’

Two of my mentors—​Dan Sullivan​ and ​Benjamin Hardy​—co-wrote a book called ​Who Not How: The Formula to Achieve Bigger Goals Through Accelerating Teamwork,​ which changed my mindset – and my life.

The authors argue that when we get a new idea, project or chore, instead of asking ourselves, “HOW am I going to get this done?” we should ask, “WHO should do this?”.

To explain why this resonated with me, you should know that Dan Sullivan believes that business owners (and others) should spend their time in activities for which they have a passion and special talent.

He calls that our ​unique ability.

The goal is to hire people to take on the tasks that leave you overwhelmed, thus allowing more time to concentrate on your unique abilities where the most value for society is created.

So, if my unique ability is writing blogs on financial planning, then I should spend as much time as possible on it and delegate other activities to people with other unique abilities. If I dislike administration or household chores, then I should find a “who” with unique abilities to complete those functions. In the past that was Mary; her passion was her family, and her unique ability was being our bookkeeper, coordinator, and rock.

Let me share how I applied Dan and Benjamin’s philosophy to simplifying my life – specifically, my personal financial life. And remember, this advice applies to everyone, not just widows or widowers like myself. Because everyone could use a life less busy.

NINE CAN’T-LOSE TIPS TO SIMPLIFY YOUR FINANCIAL LIFE

1. ONE BANK ACCOUNT AT ONE BANK

How many bank accounts do you have? How many banks do you deal with? How often do you transfer money from one bank or bank account to another?

This is a complexity that can go away. It wastes time and is prone to human error. At one time, I had several accounts at CIBC, TD, and Scotiabank. My salary was deposited into a Scotia account but the bills were paid from a CIBC account, while my business expenses were paid from TD and Scotia. It was a mess of multiple transfers between accounts, and we often got hit with interest charges from money being in the wrong place at the same time.

Ultimately, this was an easy fix. I closed all my bank accounts except my one chequing account. That’s it. I don’t even have a savings account.

Life’s a lot easier today, with only excess cash transferred monthly out of this account to my Scotia Wealth Management account (my brokerage account).

2. ONE CREDIT CARD

Like my bank accounts, I had several Visas and Mastercards. Some of them I never even used, but I kept them just in case. (“Just in case” of what?)

Did I really need all of these cards? Each card had a different payment date, I couldn’t keep them all straight. And they made my wallet bulky.

So, I cancelled them all except for the Scotiabank Visa. Now I’m on top of my cards (or “card”, singular) and I never miss a payment date.

3. BANK ONLINE

Now that I’m down to one bank account, one brokerage account, and one credit card, having them all connected and available online is a major time saver.

Today, I can go into my ​Scotiabank online account​ and see all my cash balances, investment accounts, mortgages (on my rental properties), Visa balance, credit score, and many other useful tools.

And of course, I complete all my bill payments from just one link. Consolidation is a wonderful thing.

4. AUTOMATE YOUR BILLS

Most people pay the same bills every month, and a surprising number still put cheques in the mail – an act that’s time-consuming and prone to error.

These are my recurring bills: property taxes, water and waste, hydro, natural gas (delivered by Enbridge, a long-time holding in our dividend model), telephone and cable, car lease, and life insurance. I’ve established auto payments for each of these through a pre-authorized chequing plan from my single bank account.

For my nonrecurring expenses (groceries, haircuts, clothing, gas, travel, wardrobe updates, and so on), I use my one and only Visa and make one electronic payment.

For any bills that can’t be paid by Visa, I use an e-transfer.

To sum up: pre-authorized chequing. Visa. e-Transfer. Simple. Easy. Streamlined.

5. AUTOMATE SPEND TRACKING

I hate budgeting and tracking expenses. Hate it. But I’m a financial planner and know how important these are to my goal of becoming financially independent.

I wasn’t interested in building an Excel spreadsheet and manually tracking every single penny.

Lucky for me, our Dri Financial team member ​Ashley Land,​ mentioned an app called ​Mint ​(owned by Intuit) – you can connect it to your bank and easily download all expenses and income into a simple-to-read income statement.

It’s not just a time saver. For me, it’s a life saver.

Once a week, I click a button and all my transactions (incoming and outgoing) are automatically downloaded and organized into a personal statement and compared against a budget that I established at the top of the year. The program syncs in real-time, and I know exactly how my money is spent — and I can easily decrease spending if needed.

It took a little start-up time; to set my budget and make sure all my expenses were allocated to the proper accounts but now, my weekly review takes about 30 minutes and includes paying any non-recurring bills.

6. SIMPLIFY GROCERIES AND MEALS

Food planning and prep is one of the most time-consuming aspects of life. Even thinking about what I’m going to eat tonight decreases my bandwidth for more important things.

Making a shopping list, driving to the grocery store, shopping, standing in line at checkout, unloading, deciding what to cook, and cooking it… how many hours a week does that eat up? (Pardon the pun.) I haven’t counted, but it’s a lot.

My solution? Meal kits. I love meal kits.

Each week, I review 20-30 meal choices and buy ten kits (five each) for my daughter and me. They’re all delivered Sunday afternoon, and each has all the ingredients for one meal. With some practice, each meal takes about 30-40 minutes to prepare.

Any other groceries that I need (veggies, fruits, cereals, toiletries) are ordered online and delivered straight to my house.

Meal kits can save you​ six to eight hours per week. What would you do with an extra six to eight hours per week? That’s a full extra work day! (Or play, your call!)

7. DELEGATE PERSONAL CHORES

I like a clean house, especially a sparkling kitchen and washrooms. But I don’t like doing it. Housework definitely isn’t my unique ability; when I tried it, the house become cluttered, dusty, and dirty.

I turned to a professional cleaning company that provided bonded employees and accepted Visa payments. The company arrives once every two weeks and cleans the entire house. It’s still my job to declutter and do the laundry, but that’s a fraction of the overall work and time.

For the grass and snow, I hired a great company responsible for both. All I have to do is enjoy the backyard and hot tub.

Also, because my shirts look worse after I iron them than before, I take them to the cleaners for professional care.

Yes, all of these services cost money. But they give me back my time, which is far more valuable than the minimal monthly expense – especially in the long run.

8. HIRE A PROPERTY MANAGER

I own a few investment properties which constantly demand something be done or fixed. My solution was to hire a property manager; they handle all of the day-to-day issues and only call me to get my okay on purchases like a new light fixture or appliance.

The time saved has made my income properties even more valuable to me.

9. LOSE THE PESKY LITTLE EXPENSES

Everyone has those pesky monthly banking or credit charges that they never get around to stopping. You know, subscriptions that seemed like a good idea at the time, for things you never end up using.

My solution here is radical but I promise it works.

I called Visa, canceled my card, and asked for a new card. This caused an immediate stop to all pre-authorized credit card charges, like Apple Music, Audible, Globe and Mail, and several industry journals that I subscribed to but never read.

Not only did I ​save more than $200 per month​ but I got rid of the annoyance. I’m also no longer overwhelmed by choice or distracted because I’ve stuck to just the streaming, music, and news services I actually use. The downside to this approach is that you must also restart all the legitimate charges, which can be time-consuming.

TAKE A BIT OF TIME NOW – AND SAVE ENDLESS HOURS LATER

By really taking the time now, and with a little help from my kids, I was able to put all nine of those action plans into place in just a few weeks. And it was one of the best investments of time I’ve ever made. Now I can focus on my own unique ability while streamlining some chores and delegating others. Mary would be proud of me.

Any of these tips are sure to help you downsize your busy lives. If you need further help to simplify your personal finances, please give me a ​call​ or send me an ​email​ ​and we can begin working on giving you back your personal time while controlling your finances.

The process of finding a financial advisor can be overwhelming. It is our job to make that process simpler and easier.

Dri Financial Group’s proprietary Wealth Navigator Process is designed with you in mind.

Its structured framework helps you make an informed decision and feel confident in our team and management practices before we get started.

We offer you a range of services from creating bespoke financial plans and providing investment advice to helping you take advantage of our investment models. If you would like more information on the Wealth Navigator Process or our team, call me any time at 416.355.6370 or email me at richard.dri@scotiawealth.com.
—

Beyond helping you manage your finances, we take pride in motivating, educating and helping you expand your financial literacy. We are here to answer any questions you have and to help you feel in control of your financial destiny.

If you are ready to dive deeper into your financial literacy journey, we have a wide range of free tools and educational resources available.

1. • Subscribe to our ​Never Retire Newsletter
   • Contact us to ​order a complimentary e-book
   • Check-out our latest ​Wealth Navigator P​odcast
   • Follow me on ​LinkedIn

source https://richarddri.ca/nine-simple-ways-to-simplify-your-life/

My two boys found love and are getting married. As a widower, I’m both happy and sad, and wondering about the price tag.

How did this happen? It feels like yesterday I was the best man at my college buddy’s wedding. Now, all of the sudden, I’m going to be Father of the Groom at… not one, but two… weddings.

Yes, my two sons are getting married – the oldest this fall, the middle child sometime in 2023. (I don’t even want to think about my youngest; while I wish her love, I hope she’s in no hurry.)

How does this make me feel? (Besides old?) Well, like a proud papa, I’m naturally thrilled. But as a recent widower, I can’t help feeling sadness.

My boys had the good fortune to meet two smart, beautiful, and caring young women with whom they’ve decided to share a lifetime of love. I know the feeling all too well; that was me 30 years ago.

My sadness comes from the fact that my bride – and my boys’ mother – won’t be there for this glorious event. Nor will Mary be there for all of the happy couples’ future milestones, including the birth of our grandchildren and the inevitable hockey games, recitals, birthday parties, and religious ceremonies to come. In my mind’s eye, I can see her beaming with pride at each and every one of these moments.

But, as I’ve said before, for my own emotional well-being I’ve learned to accept the things that will not change. And Mary’s absence will not change. I accept that, I accept – don’t deny – the sadness, and move on.

LOOKING AT THE COST OF A WEDDING FROM A WIDOWED PARENT’S PERSPECTIVE

These weddings are still in the future so, as both a father and a financial advisor, I’m looking at the cost of a wedding. (Or, in my case, two.) Specifically, from a widow/widower’s perspective.

According to a 2020 WeddingWire Newlywed Report¹, the average cost of a wedding in the United States in 2019 was approximately $30,000 USD. Unfortunately, I couldn’t find a similar Canadian study but let’s use this report as our basis. If we convert $30,000 US into Canadian dollars, that puts the cost at $40,000 CDN.

But wait. My boys’ weddings are happening in Toronto, where everything’s pricier. Also, the 2020 report was pre-COVID, and we all know how costs have been skyrocketing. So, assume inflation has raised the original cost by 50%

Now that $40,000 wedding is $60,000.

WHO PAYS FOR THE WEDDING? AND HOW MUCH?

In the past, the bride’s parents traditionally paid for the wedding and reception, while the groom’s parents covered the rehearsal and bar. Fortunately, things have changed. Today the couple and both sets of parents pitch in.

The same study reported that 52% of the costs were covered by the parents, 47% by the couple, and 1% by family and friends. It’s a bit different for Millennials (which my two boys are). For this cohort, 56% of the costs were covered by the parent, 42% by the couple, and 2% by others.

So, we’ve established that a GTA wedding will cost $60,000. If the two sets of parents pay 56% of the cost, that’s $33,600. Divide that in two, and both the bride’s and the groom’s parents will contribute approximately $17,000.

Well, wait, you might ask – as a widower, are you expected to pay the same equal share as the bride’s two parents? Of course not. There’s no hard and fast rule as to who pays what. It’s all dependent on the individual situation; any family that’s about to merge should consider each other’s ability to pay what they can afford without any pressure.

WEDDING GIFTS: STRINGS OR NO STRINGS ATTACHED?

The same study reported that nearly 60% of parents agree to pay for certain items at the wedding, such as a dress or venue, while roughly one-third gift the couple with a cheque to use as they see fit (towards wedding expenses, a honeymoon, a house). I fall into that one-third.

This part wasn’t in the report, but I’m guessing that the more money parents contribute to the wedding, the more strings they attach to their wedding gift. Some might want to control the attendees, the venue, and the menu, or maybe just the flowers.

My sons appear to want to be more in charge of their wedding plans – it’s their wedding, after all. I respect that; my gift would have no strings attached.

This was what Mary and I had always agreed to: our children could spend their wedding gift as they wished, and we wouldn’t get involved unless asked. The only part of the plan left undecided was the amount of the gift. Now it falls on me to decide how much to gift my adult children.

CAUTION: DON’T LET A WEDDING DISRUPT YOUR RETIREMENT PLANS

In previous blogs, I recommended that a parent’s retirement plans should never be compromised by financially supporting your children – and this includes wedding gifts. So, I took my own advice and prepared multiple retirement plans using different amounts, and estimated the effects of a wedding gift on my retirement income as a widower.

I finally arrived at a $25,000 do-what-you-will wedding gift and decided to let the kids know in advance what they’d receive. This number would cover my parental share of the wedding costs (if that’s how the kids chose to use it!) with a nice sum left over for whatever. Their money, their call.

The final consideration is deciding when the wedding gift should be given. On the wedding day? Or staggered throughout their engagement period? If the gift is staggered, it could help the couple pay for upfront deposits for their wedding day, and help their budgeting.

Personally, I want to give my gift on the big day itself. Why? If given before, it may lose its sentimental value and get lost in all the pre-wedding hubbub. I plan to give my gift at the reception, but since they’ll know how much to expect they can budget wedding costs accordingly.

Please remember that all of the numbers mentioned here are estimates and averages and, in the case of my wedding gift, specific to me. It’s important that you look at your own financial situation and rerun your retirement projections before determining how much you can contribute to the wedding and how large a gift you can give. If you need assistance in rerunning retirement projections, please call my office, and will personally help you determine the wedding gift that you can comfortably afford.

Mary and I raised our kids to be self-sufficient, and I know that – while they’ll be more than appreciative of the financial support and boost a wedding gift will give them and their brides – they aren’t dependent on my monetary input in making or breaking the happiest day of their life. All that will matter is that their loving parents will be there for them, even if one is only in spirit. (Because parental love is forever.)

¹ The 2020 WeddingWire Newlywed Report is based on a survey among 27,250 individuals—the largest survey of weddings in the industry. The data is collected from couples who provided their email to The Knot Worldwide and were married between January 1 and December 31, 2019. Respondents represent couples from all over the country with various ethnicities, income levels, race, age, sexual orientation, and gender identity. To provide the most comprehensive view of the research collected, this report also includes findings from ad hoc studies conducted in 2019. In a typical year, The Knot Worldwide conducts research with more than 300,000 US brides, grooms, guests, and wedding professionals.

source https://richarddri.ca/should-a-widower-pay-for-their-childs-wedding/

I lost my wife Mary in January 2020. At the time I didn’t know how I’d move forward. My journey continues, on a road paved by acceptance.

Cast your mind back 30 months. January 2020. A new year had just rung it. Maybe, if you celebrate, you finally got around to throwing out your Christmas tree. The Masked Singer made its TV debut. COVID-19 wasn’t a thing.

30 months seems so long ago – but that time has flashed by so fast.

January 2020 was when my beloved wife, friend, soulmate, and rock of 33 years, Mary, passed away after a brave fight against cancer. January 2020 was when my life changed forever.

So much has happened to me in those 30 months since. And so much has been learned by me. I’d like to share some of my experiences with you, in the hope of helping other grievers deal with their loss and, perhaps, find a way to move forward on their own.

PERSONAL COMMUNITY

After Mary’s death, I was truly humbled by the number of clients and friends who asked how I was doing, sent sympathy cards, and prayed for my family. Some I knew intimately, others I’d only known professionally. But I felt I had an entire community that was concerned, supportive, and sincere in grieving alongside me. People will always surprise you in all the best ways.

KIDS

You may already know I have three grown children – now aged 30, 28, and 19. Two of them live in the U.S. (NYC and Denver); my baby girl (Yes, I know, I still call her that) lives at home with me while she goes to school.

After Mary’s death – and to this day – my kids were my main concern. I fretted about how they’d continue through life without the care and love they’d known from their mother from birth. How would her absence affect them, even as adults?

I encouraged all three to attend grief therapy, and all three did. After 30 months, I can honestly say that therapy went far to help them deal with their loss and move forward.

As a dad, I made a concerted effort to open lines of communication with them. As my kids grew up, their mom was their main caregiver – I was building a career, and not always there for them, though I tried my best. I asked them about their job, school, friends, partners, life. We keep in constant touch by email and text, and weekly (or sometimes daily!) phone calls. I hop on planes to NYC and Denver regularly, and in January 2022 we took a family vacation together to honour their mom on the anniversary of her passing.

Today, my kids are doing great – and have found ways to move forward while respecting and honouring their mother’s legacy.

FRIENDSHIPS

After Mary died, I didn’t expect my relationships with my friends to change. But when some stopped calling or visiting, I was surprised and – yes – angry.

A few months ago, I hosted a birthday party to honour and celebrate what would’ve been Mary’s 60th birthday. I invited some 50 friends and gave everyone an opportunity to share a personal memory of Mary.

As I listened to the stories, I laughed, cried, and became introspective. Then it hit me. I wasn’t the only person who grieved Mary’s death. Every single person in my house that night experienced their own personal grief connected to losing a friend, cousin, aunt, or daughter.

I wasn’t alone. I wasn’t abandoned.

That said, I also understood that some friends weren’t ready to continue their relationship with me. Everybody grieves differently and I accept that. Sadly, I also had to accept that some may never be close again.

Fortunately, some relationships improved and even strengthened, and I’ve since made new friends with other widows and widowers and fellow cyclists.

PROFESSIONALLY

The day Mary died, I expected the entire country to stop to grieve.

It didn’t.

Seriously, I thought January 15 should be named a National Day of Mourning. When it wasn’t, when 99.9999% of Canada acted like Mary Dri never existed in the first place, I was surprisingly saddened.

It took time for me to accept that Mary was only one person (the most important person in the world to me) among 7.9 billion in the world. And the world kept turning without her.

At work, I realized that clients had their own issues. Although I was grieving, I had a responsibility to them and had to find a way forward.

Therapy taught me how to separate work and life. At the office, I learned to focus on client issues; at home, I concentrated on my family and my own grief journey. It wasn’t perfect and sometimes the lines blurred, but it got me through my darkest days and made me the best possible Richard Dri to both my clients and my loved ones.

MONEY

My blog wouldn’t be complete if I didn’t discuss money. Specifically, income and expenses in widow(er)hood.

When Mary passed, my expenses didn’t drop by 50%, as some might expect. Since most household expenses are fixed – property taxes, utilities, etc. – I found that my overall expenses only fell by about 10%.

I saved money by going from two cars to one, no longer having Mary’s expenses (clothing, hobbies, hair, and cosmetics), and an initial drop in grocery bills (though food inflation has made my food costs more expensive than ever).

So while household expenses definitely won’t drop by 50%, there’s a good chance that household income may… by half if not more. In my case, Mary’s work was part-time as she was chiefly a stay-at-home mom, but her financial contribution to our home was important. Mary’s salary covered food and travel for our family; that’s now my responsibility.

I will also lose 100% of Mary’s Old Age Security and most likely all of her Canada Pension Plan – seriously impacting my eventual retirement.

In short, I had to accept that my new financial position isn’t as strong as it was with Mary.

RETIREMENT

This is a hard one.

I’m a financial planner. I plan things. And Mary and I had been working on (dreaming about!) our retirement plan for decades. When Mary died, so did all those plans.

I had to go back and rethink a solo retirement.

With the help of a business coach, I spend hours thinking about and identifying goals that are important to me (no longer to “us”) and together we developed a new plan that works for me alone. Read about how you might do the same.

Mary and I scrimped and saved for our shared retirement, and I still feel guilt that Mary won’t reap the rewards of our frugality. We could’ve spent that money while she was alive to enjoy it! But I’ve learned to accept this as well.

FINDING LOVE

When Mary died, I didn’t believe I could love another woman, I believed that Love was a finite resource and all of my love belonged to Mary.

Over time, I realized that love is actually infinite.

Here’s what I mean. When my first child was born, he received all my love. When my second was born, I didn’t subtract love from the first child to give to the second – instead, my love doubled, and I loved them equally. Then my love tripled when my third child was born.

That’s what I mean when I say love is infinite.

Given this principle, I realized that I could maintain my love for my late wife while also loving another woman. Love is an infinite resource and falling in love with another woman will never mean I love Mary less.

IN CONCLUSION

You’ll find I used the word “accept” in this blog quite a bit, but that’s what it all comes down to. Accept that relationships will change. Accept that dreams won’t happen. Accept that grief differs for everyone. Accept support. Accept love into your life.

Remember the serenity prayer: “God, grant me the serenity to accept things I cannot change, the courage to change the things I can, and the wisdom to know the difference.”

If you are having difficulty accepting your new position in life, please give me a call and we can share what has worked with each other in the past.

Read my previous blogs updating my widowhood journey:
https://richarddri.ca/my-gratitude-for-your-support-during-this-difficult-time-in-my-life/
https://richarddri.ca/4-lessons-learned-since-becoming-widowed/

The process of finding a financial advisor can be overwhelming. It is our job to make that process simpler and easier.

Dri Financial Group’s proprietary Wealth Navigator Process is designed with you in mind.

Its structured framework helps you make an informed decision and feel confident in our team and management practices before we get started.

We offer you a range of services from creating bespoke financial plans and providing investment advice to helping you take advantage of our investment models. If you would like more information on the Wealth Navigator Process or our team, call me any time at 416.355.6370 or email me at richard.dri@scotiawealth.com.
—

Beyond helping you manage your finances, we take pride in motivating, educating and helping you expand your financial literacy. We are here to answer any questions you have and to help you feel in control of your financial destiny.

If you are ready to dive deeper into your financial literacy journey, we have a wide range of free tools and educational resources available.

1. • Subscribe to our ​Never Retire Newsletter
   • Contact us to ​order a complimentary e-book
   • Check-out our latest ​Wealth Navigator P​odcast
   • Follow me on ​LinkedIn

source https://richarddri.ca/accepting-life-as-a-widower-the-30-month-mark/