The Canadian Money Roadmap

Send us Fan Mail On this episode, Evan and Sam analyze the results from their Financial Foundation Scorecard — revealing that while listeners excel at saving, budgeting, and debt management, most lack a written retirement plan and the confidence to know if they're truly on track for retirement.  📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations S...

Send us Fan Mail In this episode, Evan and Sam provide advice about how to help children financially during your retirement. Key point include: make sure you can afford it, communicate clear expectations, specify what the money is for, and consider non-cash ways to give — because intentional generosity protects both your retirement savings and your family relationships. 📱 Book an intro call - Ced...

Send us Fan Mail In this episode, Sam puts Evan on the hot seat and gets him to answer questions related to ethical investing, building a portfolio, and financial red flags. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and r...

Send us Fan Mail On this episode of the Canadian Money Roadmap, Evan and Sam break down what prediction markets are and why Canadians should be cautious now that platforms like Wealthsimple are beginning to offer them. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving &...

Send us Fan Mail On this episode, Evan and Sam walk Canadians through the critical financial and lifestyle decisions to make in the 5–10 years before retirement — covering savings milestones, debt payoff, retirement lifestyle planning, asset allocation, and retirement withdrawal strategies. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard -...

Send us Fan Mail In this episode of the Canadian Money Roadmap, Evan and Sam consider how much Canadians need to save for retirement based upon the recommendations in two Canadian finance books The Wealthy Barber and The Rule of 30. They also discuss other insights from both books.  📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how...

Send us Fan Mail On this episode of the Canadian Money Roadmap, Evan and Sam discuss the implications of Canadians holding more cash. The episode distinguishes between emergency funds, planned spending, and a "sleep at night" buffer, while warning against using cash as a market-timing tool. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations S...

Send us Fan Mail On this episode, Evan and Sam consider the practicality of retiring in Canada without pension through a case study of Tracy and Derek, who have saved $500,000 at age 50.  📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk pro...

Send us Fan Mail On this week's episode, Evan and Sam discuss key reasons to file your taxes, the relationship between taxes and financial planning, and discuss ways to use your tax refund to optimize saving.  📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & inv...

Send us Fan Mail On this episode of the Canadian Money Roadmap, Evan and Sam discuss how to balance family spending and retirement savings across three life stages — early parenthood, supporting older kids, and legacy/retirement planning.  📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & sp...

Send us Fan Mail On this episode of the Canadian Money Roadmap, Sam puts Evan in the hot seat and asks questions about market volatility, investment fees, retirement savings, and more.  📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk prote...

Send us Fan Mail In this episode, Evan discusses the value of staying invested during periods of market volatility, specifically the market decline triggered by fighting in the Middle East, explaining that diversified portfolios are still positive year-to-date and why panic-selling during downturns is a costly mistake. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Fina...

Send us Fan Mail On this episode, Evan and Sam discuss why building a "better" investment portfolio requires looking beyond past performance to factors like diversification, fees, and turnover—challenging the oversimplified belief that higher returns automatically mean a better portfolio. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Sco...

Send us Fan Mail In this episode, Evan and Sam explore whether historical patterns and current market data suggest there is an AI Bubble. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retirement readiness. Instant feedbac...

Send us Fan Mail In this episode, Evan  explains how Canadian government retirement programs (CPP, OAS, and GIS) work, emphasizing their value in retirement planning. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retireme...

Send us Fan Mail In this episode, Evan examines the pros and cons of RRSP loans—borrowing money to contribute to your retirement savings. He notes  while RRSP loans offer tax deductions and lower interest rates, most people would be better off avoiding them due to the costs, risks, and limited flexibility of leveraged investing. 📱 Book an intro call - Cedar Point Pathway retirement planning servi...

Send us Fan Mail In this episode, Evan explains how Canadian retirement income accounts—RRIFs, LIFs, and PRIFs—work, covering how to convert accumulation accounts into income-producing accounts, the minimum and maximum withdrawal rules, tax implications, and province-specific regulations for managing retirement savings. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Fin...

Send us Fan Mail On this episode, Evan describes the key accumulation accounts available to Canadian  and their potential uses for investors. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retirement readiness. Instant fee...

Send us Fan Mail In this episode, Evan and Sam discuss gold's historical performance as a hedge against market downturns, inflation, and economic crises, ultimately concluding that while gold has surged recently, the evidence doesn't support it as a reliable hedge in times of economic uncertainty. The episode concludes with a discussion of ways to get exposure to gold's upside throu...

Send us Fan Mail On this episode, Evan examines mutual funds and ETFs. He notes both mutual funds and ETFs can be useful investment containers for building diversified portfolios, challenges the idea that one is inherently better than the other, while clarifying that the real differences lie in their transaction mechanics rather than their investment strategies or tax efficiency. 📱 Book an intro...

Send us Fan Mail On this episode of the Canadian Money Roadmap, Evan describes what stocks and bonds are, why they're essential building blocks of a retirement portfolio, and how diversification and long-term holding periods reduce risk and increase the likelihood of positive returns. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard -...

Send us Fan Mail This episode analyzes whether a 20-year-old Quebec lottery winner made the right choice by taking $1,000 per week for life instead of a $1 million lump sum. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and r...

Send us Fan Mail In this episode, Evan highlights three common financial mistakes to avoid in the new year while sharing practical tips to help you get ahead and retire confidently. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protectio...

Send us Fan Mail In this year-end episode, Evan pulls back the curtain on his personal finances, the launch of Cedar Point Wealth, and the growth of The Canadian Money Roadmap , sharing real numbers, lessons learned, and what’s ahead for 2026. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow &amp...

Send us Fan Mail Evan shares his annual checklist of key financial tasks to consider before the year ends. Topics include maximizing your First Home Savings Account (FHSA), TFSA withdrawal timing, spousal RRSP strategies, charitable giving, capital gains/losses, mutual fund distributions, workplace benefits, and tips for staying organized. Evan also highlights useful resources to help you get your...