North Road Investment Counsel, Suite 402 11523 100 Avenue NW, Edmonton, AB (2026)

05/25/2026

May Digital Risk Newsletter: The Alberta voter data leak plus key insights on AI misinformation, fraud, and digital privacy.

The risks around personal information are not slowing down and are taking new forms, from the recent Alberta voter data leak to everyday threats like fraud and data exposure. Each month, we bring together timely articles and videos to help you stay informed and navigate today’s digital landscape.

This month’s highlights:

• How the Alberta Voter Data Leak Could Put Your Identity at Risk | North Road Investment Counsel - In our latest video, Misha Niemtsev breaks down the recent Alberta voter data leak, including key insights from a Real Talk interview with retired RCMP Deputy Chief Neil LeMay on why incidents like this carry serious long-term risks.
https://conta.cc/4wQJ2Yr

• How to Responsibly Dispose of Your Electronics | Wired - That old phone in your drawer might still have value. With global e‑waste skyrocketing, this guide shows simple ways to reduce your impact while keeping harmful electronics out of landfills.
https://conta.cc/4v9vVQD

• Victim of cheque scam speaks out as fraud grows in Canada | CTV News - A Manitoba man is speaking out after discovering his name was used on fake cheques, highlighting how easily identities can be exploited in financial scams.
https://conta.cc/4fGGHJw

05/22/2026

What exactly is the Canada Pension Plan and why does it matter?

In this segment from Real Talk, Marshall McAlister sat down with Ryan Jespersen and broke down the following:

- What the CPP is and how it works
- Why it has become a foundational part of Canadians’ retirement security
- How its long-term investment performance has contributed to its strength
- And what’s driving the debate around a potential Alberta Pension Plan

If you want to better understand how the CPP fits into your financial life and why this conversation matters, this is worth a watch.

Watch the full segment:
https://www.youtube.com/live/sULQ-6-Nrsc?si=RRIKXV2f79g2OZgj&t=4334

04/30/2026

Are you thinking about taxes the right way?

Cary Williams joins Real Talk with Ryan Jespersen to unpack why paying taxes can signal progress, how different registered accounts actually work, and the role CPP plays in a well-rounded plan.

Click the link to watch the video now: https://www.youtube.com/live/LjDGleDhsME?si=efa5vo924zlSEr2Q&t=3679

04/28/2026

Our monthly newsletter for April is out and it’s focused on the questions many Canadians are thinking about right now: how prepared am I for retirement, where could I build a fulfilling next chapter, and how should I be spending my time in the years ahead?

This month, we highlight three standout reads:

• Are you near the top or bottom of Canada's retirement wealth pyramid — and does it even matter? | Money.ca - A deep dive into where Canadians actually fall on the retirement wealth pyramid and what that means for long‑term planning.
https://money.ca/retirement/top-or-bottom-of-canadas-retirement-wealth-pyramid

• This Country Is the Safest Place to Retire in South America—With Beach Towns, Affordable Health Care, and a High Quality of Life | Travel + Leisure - A look at one of the safest and most appealing places to retire in South America.
https://www.travelandleisure.com/safest-place-to-retire-in-south-america-11922042

• The Best Trips to Take in Your 60s | Travel & Leisure - Inspiration for meaningful, well‑timed travel with a guide to some of the best trips to take in your 60s.
https://www.travelandleisure.com/trip-ideas/best-trips-take-in-your-60s

Alongside these, we also share market insights, planning perspectives, and a new tax video discussion to round out the bigger picture.

Curious to read more like this? Subscribe to our newsletter and have it sent straight to your inbox: https://conta.cc/4ouzLBm

04/27/2026

How much of a risk is cyber fraud to your retirement plan?

In Canada, the AVERAGE dollar loss for the three worst types of fraud is between $55,000 and $107,000. For Gen X and Baby Boomers, a fraud loss of $90,000 means a loss of 12% to 15% of spendable assets, on average.

Cyber fraud is changing the retirement landscape. In "The Retirement Risk That No One Is Planning For", we outline why financial planners (and their clients) should be giving cyber risk far more attention than it receives.

Read the article here: https://www.northroadic.com/waypoint/cyber-retirement-risk

04/20/2026

April Digital Risk Newsletter: Could You Spot a Digital Scam?

Digital scams are becoming more sophisticated and harder to spot. Each month, we curate timely articles, podcasts, and videos to help clients stay informed and reduce your digital risk. This month’s highlights include:

1. Are You at Risk? Understanding Today’s Biggest Digital Scams | Real Talk with Ryan Jespersen - In this 20 minute segment, North Road’s Misha Niemtsev and Marshall McAlister break down the biggest digital threats facing investors today and what to watch for.
https://conta.cc/4mIhU9p

2. Here's Why You Are Constantly Fighting Off Scammers | Freakonomics Radio - Experts explain how modern scams are designed, why they work, and the practical steps that can help you stay protected.
https://conta.cc/4mCMQI2

3. Don't let scammers steal your future | Get Smarter About Money - From investment fraud to impersonation and AI driven schemes, learn the most common red flags and a few simple checks that can help reduce your risk.
https://conta.cc/42nb6Ve

Have a topic you’d like us to cover? Let us know in the comments.

04/01/2026

We are honoured to share that North Road Investment Counsel has been named a 2026 Trailblazer by Edify Edmonton!

The Trailblazer designation recognizes organizations that lead with vision and fortitude, setting direction for others through innovation and purpose. As an independent, Edmonton‑based firm, North Road was recognized for its approach to wealth management, its commitment to high‑level service, and its belief that guiding clients through complexity requires a clear sense of direction.

This recognition reflects the collective work of the North Road team, including the introduction of our Digital Risk Advisory program to help clients navigate technology and security, as well as our longstanding commitment to philanthropy through our relationship with the Edmonton Community Foundation.

We are grateful to Edify for this recognition and proud of the team whose values and collaboration made it possible!

Read the full Edify profile here: https://conta.cc/4bJKfZg

03/31/2026

With spring starting to settle in, our March Newsletter offers a fresh look at markets, money, and the bigger decisions that come with planning ahead.

From global travel inspiration to retirement planning and market insights, this month's reading helps put today’s headlines into perspective. Here are three highlights:

• Travel + Leisure’s 25 Favorite Cities in the World for 2025 - Travel + Leisure readers share the cities that continue to capture their hearts, from vibrant cultural centres to timeless classics.
https://conta.cc/4dlBeqy

• How Much Should You Have Saved to Retire at 60? - Considering retirement before 65? This article looks beyond a simple dollar target and focuses on the factors that matter most, including lifestyle, income needs, and longevity.
https://conta.cc/416r8SZ

• How Do Higher Oil Prices Impact Stock Market Returns? - Higher oil prices often feel like bad news, but history tells a more nuanced story. This piece examines what tends to happen in markets when energy prices rise.
https://conta.cc/4chpfZX

If you want more insights and want to explore additional articles, subscribe to our newsletter at the link below:
https://conta.cc/4ouzLBm

03/25/2026

March Digital Risk Newsletter: When Seeing and Hearing Isn’t Believing

Each month, we curate timely articles, podcasts, and videos to help you stay informed about digital risk and cybersecurity. In March, we explore how technology, misinformation, and AI are shaping what we see, hear, and believe online.

This month’s highlights include:
1. I didn’t realize my phone was tracking this by default | MakeUseOf - Your phone may be quietly recording precise location data every time you snap a photo. Learn what’s being collected by default and how easily it can expose where you’ve been.
https://conta.cc/4m6hqtH

2. Agentic AI: What It Is, What It Isn’t, and Why It Matters | AtlaML - Agentic AI goes beyond chatbots, acting independently to plan, decide, and execute tasks. Find out what that really means for businesses separating real capability from marketing hype.
https://conta.cc/40Q8sXv

3. Researchers studied who’s spreading the most conspiracy theories in Canada. Here’s what they found | CTV News - Researchers found that a surprisingly small number of highly active accounts are responsible for most conspiracy content in Canada, raising concerns about how social platforms amplify fringe voices.
https://conta.cc/4d6zvoN

Have a topic you’d like us to cover? Let us know in the comments below.

03/11/2026

In our February newsletter, we unpack how market trends, policy changes, and longevity planning intersect with long‑term wealth.

Each month, we curate the articles, conversations, and ideas that stood out to us. If you’re looking for practical, thought‑provoking content worth your time, start here.

This month’s top articles were:

1) 10 Surprising Etiquette Faux Pas in Other Countries | Daily Passport - Here are 10 everyday habits that could be the difference between blending in and committing a major cultural faux pas on your next trip.
https://conta.cc/4cHjplk

2) Should there be more OAS clawbacks as the program costs more and more? | Financial Post - As OAS costs climb, the debate over expanding clawbacks raises a tough question for Canadians: should higher‑income retirees shoulder more of the burden, or does that undermine decades of careful saving and retirement planning?
https://conta.cc/4s6zMgj

3) Forget Retirement. Plan for This Instead | Super Age - Money used to be about paying the bills and retiring from work but with longer lives ahead, the real challenge now is rethinking how wealth can support a longer, more flexible, and meaningful future.
https://conta.cc/4sbOhzs

Click the links above to explore and let us know what caught your attention! If you want more insights and want to explore additional articles, subscribe to our newsletter at the link below:
https://conta.cc/4ouzLBm

02/26/2026

February Digital Risk Newsletter: Your Guide to Cybersecurity Insights!

From digital fraud to actionable security tips, here are the top three cybersecurity articles we’re highlighting this month:

- How Canadian seniors can stay ahead of cyber scams | The Globe and Mail
https://conta.cc/4tY8OZt

- Hey Grok, supercharge my crypto scam! | Investment Executive
https://conta.cc/4kV0K7z

- Ontario man loses $260K in ‘pump-and-dump’ scam | CTV News
https://conta.cc/4syqrh9

Don’t miss out! Subscribe to our monthly digital newsletter to stay informed:

bit.ly/nric-digital-risk

Have a topic you’d like us to cover? Let us know in the comments below.

North Road Investment Counsel

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