🎟️ LAST DAY of the 2026 Canadian Financial Summit! It's the final day of the Summit, but there's still time to catch my last two talks for FREE! 🎥 DAY 3 – October 24 The Smith Manoeuvre vs. Cash Dam: Which Strategy Is Right for You? Discover how these two strategies work, whether you can combine them, and how they could fit into your retirement and tax plan. 🎥 DAY 2 – October 23 How to Build a Retirement Plan That Actually Works – and Grows Your Wealth Never had a financial plan? Learn where to start and how to build a plan that helps you achieve the future you want. ⏰ Don't wait! Each talk is available FREE for 48 hours after its release, and the viewing windows are closing. My Day 1 talk, Retirement Tax Shock, has already expired from FREE access. 👉 Watch my remaining talks while they're still FREE! Day 3: canadianfinancialsummit.com/… Day 2: canadianfinancialsummit.com/… Simply scroll down on each Summit page to find my video! Enjoy! Ed #CanadianFinancialSummit #FinancialPlanning #RetirementPlanning #TaxPlanning #FinancialFreedom

The Smith Manoeuvre or Cash Dam: Which Strategy Is Right for You? My third and final talk at the 2026 Canadian Financial Summit is LIVE today! You've probably heard of the Smith Manoeuvre, but have you heard of the Cash Dam? If you're self-employed, you may be overlooking a strategy that could help make more of your interest tax-deductible! In today's talk, I'll explain: ✅ How the Smith Manoeuvre works and why it can be a powerful wealth-building strategy. ✅ What the Cash Dam is and who can benefit from it. ✅ Whether self-employed Canadians can use both strategies together. ✅ How these strategies fit into your overall retirement and tax plan. 🎟️ Watch my final Summit talk FREE for 48 hours! canadianfinancialsummit.com/… Enjoy, Ed

DAY 2 – My Second Canadian Financial Summit Talk Is LIVE! Never Had a Financial Plan? Start Here. You reach a point in life when you realize you need to start doing something smarter with your money. But where do you begin? My second talk at the 2026 Canadian Financial Summit is LIVE today! How to Build a Retirement Plan That Actually Works – and Grows Your Wealth In this FREE talk, I'll explain: ✅ Why your financial plan is the GPS for your life. ✅ How to determine how much to save and the investment returns you need. ✅ Why thinking long-term can change your financial decisions. ✅ How to build a plan that supports the future you really want. Whether you're just starting to take your finances seriously or wondering if you're on the right track, this talk will help you understand where to begin. 🎟️ Watch FREE for 48 hours! 👉 Get your FREE Summit ticket: canadianfinancialsummit.com/ Enjoy, Ed

My First Talk at the Canadian Financial Summit Is LIVE Today! Think you'll pay less tax in retirement? Many Canadians pay more after they retire. My first talk, Retirement Tax Shock: Why Many Canadians Pay More Tax Than Expected, is now available to watch FREE for 48 hours! I'll explain why many Canadians face higher taxes than expected in retirement and how strategies involving RRSPs, TFSAs, and income timing can help reduce your lifetime tax bill. 🎟️ Watch my talk FREE today! And don't miss my next two talks: 📅 Friday, October 23: How to Build a Retirement Plan That Actually Works – and Grows Your Wealth 📅 Saturday, October 24: The Smith Manoeuvre vs. Cash Dam – Which Strategy Is Right for You? The Summit features 40+ Canadian personal finance experts, and it's all online! 👉 Get your FREE ticket and watch my first talk: canadianfinancialsummit.com/ Enjoy! Ed

Are you making the most of your full compensation package? Your salary is only part of what you earn. Bonuses, employer RRSP matching, pensions, stock options, and insurance benefits can all contribute to your financial well-being. But are you making the most of what your employer offers? Valuable benefits and financial opportunities can often be overlooked simply because the different parts of a compensation package aren't being considered together. In her latest video, article, and podcast episode, “Understanding Your Full Compensation Package,” Sabiha Mukadam explores: • Why your salary doesn't tell the whole story • Where valuable opportunities may be overlooked • How gaps in your compensation package could affect your financial future • Why looking at the bigger picture can make a meaningful difference Sometimes, improving your financial picture isn't about earning more. It's about making better use of what you're already receiving. Read the article, watch the video or listen to the podcast here: edrempel.com/understanding-y… Enjoy, Ed

Borrowing money is often part of becoming financially independent. Whether you're applying for your first credit card, financing a car, paying for school or considering a line of credit, understanding how borrowing works can help you make more confident financial decisions. The key isn't simply knowing whether debt is good or bad. It's understanding what you're borrowing for, what it will cost and how it fits into your everyday life. In Part 1 of our Sage Money in Real Life | Ages 18–25 series, Sabiha Mukadam is breaking down the borrowing options young Canadians are most likely to encounter. Here's what you'll learn: • The differences between student loans, car loans, credit cards and lines of credit. • Why the monthly payment doesn't always tell you the true cost of borrowing. • How interest rates, repayment terms and fees can affect your finances. • What you should know about building credit and avoiding unnecessary debt. • The important questions to ask before signing a loan or credit agreement. Borrowing can open doors, but understanding the full financial picture helps you make choices that support your goals without limiting your future flexibility. Read the article, watch the video or listen to the podcast here: edrempel.com/understanding-y… Enjoy, Ed

It's that time of year again! I'm excited to be speaking at the 2026 Canadian Financial Summit, and you can watch my three talks for FREE! This year, I'll be covering: • Retirement Tax Shock: Why Many Canadians Pay More Tax Than Expected • How to Build a Retirement Plan That Actually Works – and Grows Your Wealth • The Smith Manoeuvre vs. Cash Dam: Which Strategy Is Right for You? The Summit runs October 21–24 and brings together more than 40 Canadian personal finance and investing experts. It's 100% online, and each talk is available to watch for FREE for 48 hours. Read my latest blog post to learn more about my talks and get your FREE tickets! edrempel.com/your-free-ticke… Ed

On July 30, I was diagnosed with prostate cancer. Just 19 days later, I had surgery. Today, I'm 100% cancer-free! I'm sharing my story because early detection saved my life. My cancer was classified as intermediate aggressive, with approximately 80% of my prostate affected. Not the slow growing kind that most men eventually get. Fortunately, it was caught at Stage 1, before it had spread. This experience has reinforced something I've believed for years: Your health is your most valuable asset. We help people have money. When you have money and health, life can be great. In my latest video, blog post, and podcast episode, I share: • How early detection made all the difference in my cancer diagnosis • Why I prioritize spending money on preventative healthcare • The four major categories of chronic disease and the importance of early detection • Where Canada's healthcare system falls short on prevention • How not to die from something stupid • Practical steps you can take to be proactive about your health My message is simple: Don't wait for symptoms to start paying attention to your health. Click the link for more: edrempel.com/early-diagnosis… Enjoy! Ed

Want to start building wealth for your children or grandchildren — without creating an overly complicated estate structure? Two options families may come across are bare trusts and informal “In-Trust For” (ITF) accounts. They are effective ways to invest for your kids or other family members often with little or no tax. They can be relatively simple, but there are a few important things to understand first: • Who actually owns the money or asset? • Who pays the tax on the investment income? • When does the child gain control of the account? • What happens if the trustee dies or becomes incapable? • Could trust reporting requirements apply? • When does a more formal trust make sense? The goal isn’t to create the most sophisticated structure. It’s to choose one that gives your family the ownership clarity, tax treatment, and control you actually want. In Sabiha Mukadam’s latest article, video, and podcast episode she breaks down how bare trusts and ITF accounts work in Canada, and the potential blind spots families should understand before setting one up. Read the article, watch the video or listen to the podcast here: edrempel.com/building-wealth… Enjoy, Ed

I was recently featured in EntrepreneursBreak discussing why I believe free markets and the stock market have been such powerful drivers of prosperity and long-term wealth. In the article, I look at: • Why economic freedom matters for rising living standards • Some of the biggest myths about capitalism and inequality • What history tells us about the Great Depression and industrialization • Why owning businesses and equities has been one of the most effective ways to build wealth One thing I’ve seen repeatedly after looking at the complete finances of thousands of Canadians: people who build significant wealth usually own productive assets — businesses and stock market investments. Click the link to read: edrempel.com/entrepreneursbr… Ed

You don’t need perfect confidence before making a financial decision. But you do need a way to decide whether the decision actually works for your financial life. Before making a big money move, ask yourself: • What problem am I trying to solve? • What happens if I’m wrong? • Can I afford the downside? • How easy—or expensive—is this decision to reverse? • What does waiting cost me? Whether you’re thinking about investing, buying your first home, accepting a new job or making another major commitment, the goal isn’t to eliminate uncertainty. It’s to make sure one imperfect decision doesn’t become a financial trap. In Sabiha Mukadam’s latest article, video, and podcast episode she walks through a practical framework for deciding when you’re ready enough to move forward, and when your numbers may actually be telling you to slow down. Read the article, watch the video or listen to the podcast here: edrempel.com/how-to-make-fin… Enjoy, Ed

Liam thinks he is in a 19% tax bracket. He isn’t. He is effectively in a 50% tax bracket because he pays 0% income tax, but loses 50% of additional taxable income through the GIS clawback. His situation is interesting because: • His cash income, taxable income and income for GIS purposes are three very different numbers, which is part of why his situation is so complex. • Most retirees simply take the minimum RRIF withdrawal. For Liam, that could be a poor strategy because he could lose 50% of those withdrawals through reduced GIS over the years. • He is considering an RRSP Meltdown Strategy. The traditional version involves borrowing to invest, which could work exceptionally well for him, but is probably too aggressive and complex. • Liam is thinking about withdrawing $30,000–$35,000/year from his RRSP, but the optimal amount is much higher — about $66,000/year. It means about 2/3 of his RRSP would be taxed about 21%, instead of the 50% clawback. • It’s unconventional, but after about four years of eliminating his RRSP, he could receive roughly $10,000/year in GIS for the rest of his life. • The $66,000/year RRSP meltdown also works beautifully with his plan to buy a new car in four years. • He only has somewhat more money than he needs for his lifestyle for the rest of his life, so he probably should not give much to his nieces and nephews. It is more important to stay financially independent and never have to ask family for money. In my latest article for the National Post, I look at why withdrawing more from an RRSP now can sometimes leave you better off later. Click the link to read: edrempel.com/national-post-a… Enjoy, Ed

When you’re planning your estate, it’s not just about who gets what. For some families, the bigger question is: How do I make sure this money actually helps the person I’m leaving it to? That can be especially important when you’re planning for young children, a loved one with a disability, or someone who may need more structure around an inheritance. In Sabiha Mukadam’s latest article, video and podcast episode for the Sage Owl, she walks through a few trust strategies families may want to understand, including: • Children’s Testamentary Trusts • Henson Trusts • Qualified Disability Trusts • Spendthrift Trusts • Discretionary Family Trusts Each one is designed to solve a different problem — from protecting disability benefits, to delaying access to an inheritance, to giving a trustee more flexibility when family members have different needs. The goal isn’t to make your estate plan more complicated. It’s to make sure the structure actually fits the person you’re trying to protect. Read the article, watch the video or listen to the podcast here: edrempel.com/protecting-what… Enjoy, Ed

Paying off your mortgage early feels like the responsible thing to do. But is it actually helping you build more wealth? Before you accelerate your mortgage payments, ask yourself this: Once the mortgage is gone, how much of that freed-up payment will you actually invest? That question is at the heart of what I call the 95% test — and it can completely change how you think about paying off your mortgage before retirement. In my latest article and video you’ll learn why being mortgage-free early isn’t always the win it appears to be. Click the link for more: edrempel.com/should-you-pay-… Enjoy! Ed

If money is tight, should you focus on building an emergency fund — or keep investing for the future? The answer does not have to be all or nothing. In this article, video, and podcast episode for the Youth Corner Sabiha Mukadam looks at: • How to start an emergency fund without feeling overwhelmed • Why even a small cash buffer can make a real difference • How to build your fund in stages, from $250 to several months of expenses • Where a TFSA can fit into your emergency savings strategy • Why a line of credit should be a backup, not your emergency fund • How to balance short-term financial security with long-term investing The goal is not to choose between protecting yourself today and building wealth for tomorrow. It is to create enough breathing room that an unexpected expense does not derail everything else. Read the article, watch the video or listen to the podcast here: edrempel.com/building-an-eme… Enjoy, Ed

Having enough money to retire is one thing. Knowing how to use it wisely is another. Tom and Judy are in a strong financial position. With a $1.16 million investment portfolio and a valuable defined benefit pension, the bigger question isn’t whether Tom can afford to retire at 63 — it’s how they should make the most of what they’ve built. Their situation raises several interesting retirement planning questions: • How to think about whether it is worthwhile to delay an employer pension. • When it makes sense to start CPP and OAS. • How income tax rates in British Columbia compare with Nova Scotia. • How large a mortgage their investments should be able to support. • Whether they should consider a future cottage sale when deciding how much to spend on a home now. • Why carrying a mortgage into retirement can sometimes make sense when you invest mainly or entirely in equities. Here’s how I would think through their options. Click the link to read the full article: edrempel.com/national-post-a… Ed

As your business grows, your financial structure may need to grow with it. The structure that makes sense in the early stages of a business may look very different once the company becomes profitable, grows significantly in value, approaches a sale, or becomes part of a longer-term family legacy. In Sabiha Mukadam’s latest article, video, and podcast episode, she looks at how different planning strategies may become relevant at different stages, including: • Family trusts during the growth stage • Holding companies as profits and accumulated wealth increase • Estate freezes as business value grows or succession approaches • Joint Partner and Alter Ego Trusts later in life • Corporate-owned insurance to help create liquidity for future tax obligations Most business owners don’t need every strategy. The goal is to use the right structure at the right stage — one that supports the business you’re building, protects the wealth you’ve created, and makes future transitions easier for you and your family. True wealth is not only what you build. It is the security, flexibility, and calm you create around the people who matter most. Read the article, watch the video or listen to the podcast here: edrempel.com/the-right-trust… Enjoy, Ed

Is it risky to retire when the stock market is at an all-time high? It’s a question I get all the time, and the conventional wisdom is usually that you should worry about sequence of returns risk and protect part of your portfolio by moving money into cash or fixed income. But what does the historical data actually show? In my latest video, blog post, and podcast episode I look at: • Why an all-time high does not necessarily mean markets are riskier • Why I don’t believe sequence of returns risk is an issue in a 30-year retirement • What 150 years of market history shows about long-term retirement investing • Why adding cash or fixed income can reduce your long-term growth and retirement cash flow • When fixed income can still make sense — especially if it helps you stay invested during market declines • Why your ability to stay invested may matter far more than what the market is doing on the day you retire • How the 4% Rule fits into a long-term retirement strategy • Why following a proper Financial Plan is usually more important than reacting to market highs and lows The bottom line: Markets hit all-time highs regularly. Retiring at one does not automatically make your retirement plan unsafe. For investors with the risk tolerance to stay invested through major market declines, focusing on long-term growth rather than short-term market timing can lead to a much more comfortable retirement. Read the article, watch the video or listen to the podcast to see what the historical data actually shows: edrempel.com/retiring-at-an-… Enjoy, Ed

Sabiha has a new article, video and podcast episode on managing your first full-time income without making budgeting feel restrictive. She covers: • A simple three-bucket approach to budgeting • How much to set aside for your future, responsibilities and lifestyle • Why automating savings can make budgeting easier • How sinking funds help with expenses you know are coming • A simple monthly check-in instead of tracking every purchase If you’re starting to earn a steady income and want a system that gives you both structure and room to enjoy your money, this is a helpful place to start. Read, watch or listen here: edrempel.com/budgeting-with-… Enjoy, Ed

Most investors think dividends are one of the safest and smartest ways to create retirement income. But are they really? Ordinary dividends have some significant drawbacks that are often overlooked: • They’re a forced withdrawal you don’t control • They can create unnecessary taxable income • They can increase OAS and GIS clawbacks • Dividend portfolios are often concentrated in slower-growth sectors • They can cause you to miss many of the world’s best growth companies There’s another option: self-made dividends. Instead of relying on companies to decide when and how much income you receive, you create your own cash flow by selling small portions of a broadly diversified, total-return portfolio. In my latest article, I explain why self-made dividends are better than ordinary dividends in every way — from taxes and diversification to flexibility and control. Click the link to read the full article: edrempel.com/iwatchmarkets-a… Enjoy! Ed