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This episode of the Canadian Money Roadmap explores why chasing past investment returns is a losing strategy. 

Hosts Evan and Sam explain that actively managed funds overwhelmingly underperform their benchmarks over time. 

They advocate for an evidence-based approach built on broad diversification, low costs, and factor-based investing (size, value, and profitability) aligned with a personalized financial plan.

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📝Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances.

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Nearly two-thirds of Canadian pre-retirees don't have a retirement withdrawal plan.  

On this episode of the Canadian Money Roadmap, Evan and Sam use a case study to show how optimizing your withdrawals during retirement can have a significant impact on your available investments and estate projection. 

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📝Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances.

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In this episode, Evan and Sam explore new research challenging the conventional wisdom of shifting to bonds as you near retirement, making the case that a globally diversified equity portfolio — tailored to your personal risk tolerance, capacity, and financial needs — may actually give you better odds of reaching your retirement goals. 

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📝Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances.

💰Get your money organized - Full Financial Picture Spreadsheet

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In episode 200 of the Canadian Money Roadmap, Evan reflects on how his views on financial planning have evolved over his first decade in the industry. 

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📝Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances.

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On this episode, Evan and Sam propose a new savings challenge that will allow people to save over $5,000 in 100 days. 

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📝Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances.

💰Get your money organized - Full Financial Picture Spreadsheet

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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 Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances.

💰Get your money organized - Full Financial Picture Spreadsheet

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

📱 Book an intro call - Cedar Point Pathway retirement planning service

📝Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances.

💰Get your money organized - Full Financial Picture Spreadsheet

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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.

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📝Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances.

💰Get your money organized - Full Financial Picture Spreadsheet

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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.

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📝Financial Foundations Scorecard - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances.

💰Get your money organized - Full Financial Picture Spreadsheet

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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 - See how you score in the areas of cashflow & spending,  saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances.

💰Get your money organized - Full Financial Picture Spreadsheet