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Perspectives From BlueSky  – A note from Jim & Cory As we reflect on the past year and our current market position, the volatility we experienced earlier in 2025 reminds us of a topic we often discuss: how we view volatility as an opportunity. Short-term swings can feel unsettling, but it is part of the price to pay for long-term investing success. Looking back over the last several years, coming out of the downturn in 2022, we have seen markets return to all time highs throu

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Since 2020, inflation has been on everyone’s mind and for good reason, grocery prices have skyrocketed, and for many items, costs haven’t dropped much over the past five years. Even though inflation rates have fallen from the peaks of 2021 and 2022, it may not feel that way in our day-to-day lives. Understanding the long-term impact of inflation on your purchasing power is essential. Take a simple example: currently a loaf of bread costs around $3.27. If inflation were zero,

WHAT IS OUR MISSION? Our approach to financial planning is simple: create a special client experience where people feel welcome, looked after and secure with their financial future. We draw from the skills and expertise of our team as well as from fellow professionals to deliver customized plans for our clients. We want to ease your future financial concerns, no one likes unnecessary stress so why should you let it stop you? We make sure you have a plan for that ‘just in case

Often, we have conversations with clients about their overall estate plans. Not a comfortable conversation at times, but one that is an important part of a financial plan. Specific conversations regarding a potential Power of Attorney (POA) should be taken seriously and given plenty of thought while you have the time and capacity. Taking it a step further, conversations with your POA about your wishes is very important. It is not uncommon for a POA to be sprung into action fr

We often talk to our clients about the importance of having a will. It’s important for many reasons, but one of the most important is providing clear instructions on how you want your assets distributed after you pass away. Since, no one gets a pass on dying, why don’t most Canadians have a will? Many think that the consequences are only great if their wealth is great. This is simply not true. Family disputes can arise because of items small in value but great in sentimental

There is no better way to save for school! Registered Education Savings plans (RESPs) are the best plans to save for your children’s future education aspirations. If you contribute $2500 into an RESP, the government will automatically match 20% and put $500 into your RESP to grow tax sheltered. You can do this every year for each of your children until they turn 18. The most any child can earn is $7200 in grant money. Starting early is the key to earning long term compounded

When is enough actually enough in regards to your retirement plans? We have all heard this phrase when someone has reached the limit of their tolerance for a given situation. We have heard it from our parents, teachers, religious and political leaders, and sometimes, even from our spouse! When it comes to financial planning "Enough" can have several meanings. For people who have a fixed income and resources, “enough” is the lifestyle that can be attained with the money they h

Retirement Calculators, Insurance Calculators, Time value of money, Inflation, Taxes, so many variables to consider. A question we get asked frequently, is how much should I be saving for my retirement? It is a straightforward question with no easy answer. Every person and family is unique and it is important that a financial plan is customized to your goals and life aspirations. There are a number of questions to consider outside of the simple calculations entered into most

Financial Advice, Discipline, Independence, Care and Simplifying the Complex While our goal is always to focus on you and your financial goals, read below to find out a little bit more about us! Advice We believe in a​ fully-engaged relationship with​ you and your​ family. It’s how we ​get to truly know​ you, your​ motivations, fears​ and dreams. This​ helps ensure our​ advice is always meaningful. Discipline We are disciplined​ in our approach​ to the implementation​ of your

Blue Sky Financial Planning developed a proprietary planning process which is centered around our definition of “Wealth” . We define Wealth as the ability to sustain your desired lifestyle through all phases of your life – thus the name,”Lasting Wealth”. It is not just about the money, although this is an integral component. It is about life and all the twists and turns that come with it. Most importantly, it is about your life, your story, and how you want the rest of your s

Someone once said, “If I had known how much fun grandchildren are, I would have had them first!” Grandchildren truly are special and grandparents love to shower them with attention and gifts. Here are a few ideas for gifts that won’t end up in the toy pile and will provide a lifetime of benefits. REGISTERED EDUCATION SAVINGS PLAN (RESP) The value of a post-secondary education is priceless, but it is also expensive. The costs of tuition, books, and accommodations are increasin

“I have learned a lot and discovered nothing” – Ricardo Semler “The Seven Day Weekend” “Have fun wherever you go because you are going to be there anyway.”  – DJ on Sirius Radio Outlaw Country “Gratitude is an internally generated capability that allows an individual to create and discover unlimited meaning and value in every situation and relationship in life.”  – Dan Sullivan / Strategic Coach “Money is inherently neutral. It’s merely a vessel for the exchange of experience