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Penni Johnston Wealth Advisory

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Calgary, AB
Penni Johnston Wealth Advisory

We partner with successful individuals, businesses and families to provide bespoke wealth management solutions.

05/29/2026

Markets showed signs of caution this week as renewed geopolitical tensions pushed energy risks back into focus. With oil prices remaining elevated, investors are reassessing inflation expectations, interest rate outlooks, and how sustainable the recent equity rally may be. Read more below.

Source: https://www.reuters.com/business/wall-st-futures-dip-escalating-mideast-tensions-2026-05-28/

05/28/2026

Estate planning for a blended family requires a careful strategy to balance competing interests.

Read our quick guide to understand how strategic gifting and trusts can protect your assets from estate complications.
- Lifetime Gifting: Minimizes probate and uses Promissory Notes to protect gifts from a child's future relationship breakdown.
- Life Insurance: Requires updated documentation and professional coordination to reduce risks of disputes.
- Inter Vivos Trusts: Bypasses probate and protects assets from family law claims.

Read the full article here: https://bit.ly/4deUW6K
Ready to build your strategy? Let's connect!

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Follow this series every Thursday for more insights on wealth coordination.

05/27/2026

I love working with entrepreneur families. It's a journey we navigate together.

Building a business is rewarding, but I know how stressful and time-consuming it can be. I work alongside my clients to take the financial heavy lifting off their plate, giving them the peace of mind that their plan is sound for both their business and their family.

05/22/2026

U.S. manufacturing activity hit a four-year high in May as businesses stocked up ahead of potential supply disruptions tied to ongoing geopolitical tensions. But with inflation pressures building and economic growth still subdued, markets continue balancing resilience against rising uncertainty. Read more below.

Source: https://www.reuters.com/business/us-manufacturing-activity-rises-four-year-high-may-sp-global-survey-shows-2026-05-21/

05/21/2026

Blended family? Your estate plan requires a customized approach to ensure your intentions are honored and all your loved ones are protected.

Take these into consideration:
1. Life Insurance: Naming beneficiaries provides tax-free liquidity, but corporately owned policies may require expert tax coordination.
2. Probate & Control: Joint tenancy bypasses probate but gives the surviving spouse full control, which may conflict with goals for children from a previous marriage.

Read the full article here: https://bit.ly/4deUW6K
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Follow this series every Thursday for more insights on wealth coordination.

05/20/2026

Time is precious; spend it well.

I’m realizing that time isn't just something we have; it’s something we have to make. Whether it’s a quick hour to catch up or a long weekend hike, staying connected is the priority.

Family first, always.

05/19/2026

Gifting a down payment to your child is a great milestone, but choosing the right account will radically change how much they actually get.

- The RRSP & HBP Strategy: Gifting funds to your child’s RRSP allows them to use the Home Buyers’ Plan (HBP) to withdraw up to $60,000 tax-free for a down payment. Best of all, they can stack this withdrawal directly with their FHSA.
- The TFSA Alternative: If your child doesn't qualify as a first-time buyer, gifting to a TFSA allows the savings to grow tax-free with zero withdrawal restrictions or repayment rules.

Read the full guide here: https://bit.ly/3RB4XCJ
Let’s connect directly to figure out the most tax-efficient setup for your kids.
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Follow this series every Tuesday for more insights on wealth coordination.

05/15/2026

Markets pushed higher this week as tech stocks and AI optimism continued driving momentum, with Nvidia leading gains after renewed access to China. At the same time, investors remain focused on inflation, energy prices, and key geopolitical talks shaping the broader outlook. Read more below.

Source: https://www.reuters.com/world/china/sp-500-nasdaq-futures-rise-new-highs-nvidia-jumps-2026-05-14/

05/14/2026

Beneficiary designations on registered accounts can override your Will. In a blended family, choosing the right designation is critical to avoiding unnecessary taxes:

- RRSPs & RRIFs: Typically taxed as income at death. Naming a spouse as beneficiary or "successor annuitant" allows for a tax-deferred rollover.
- TFSAs: Naming a "successor holder" (spouse) keeps the account tax-free. Naming children as beneficiaries avoids probate but may trigger tax on growth after death.

The right choice depends on your specific estate goals. Reach out directly for a personalized review of your designations.

Read the full article here: https://bit.ly/4deUW6K
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Follow this series every Thursday for more insights on wealth coordination.

05/13/2026

Intuition and heart are powerful financial tools. It's time to take the lead and keep your family's plan moving forward.

Address

2400, 520 – 3 Avenue SW
Calgary, AB
T2P0R3

Opening Hours

Monday	7am - 4pm
Tuesday	7am - 4pm
Wednesday	7am - 4pm
Friday	7am - 4pm

Website

http://www.pennijohnstonwealthadvisory.com/

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