Kaylyn Martin, CFP

01/06/2026

What are the top investment themes for 2026?
Join us for the Client Insights Webinar on January 8th at 10 AM PT | 1 PM ET, where Raymond James Chief Investment Officer will share the Ten Themes for 2026—covering key trends, opportunities, and strategies for the year ahead.

📅 Date: January 8, 2026
🕙 Time: 10 AM PT | 1 PM ET
🔗 Register Now: https://raymondjames.zoom.us/webinar/register/WN_HkhHAzYZTj6-3MqC_lHAvQ #/registration

Stay informed. Stay ahead.
https://www.raymondjamesconnect.com/abSPyL

11/25/2025

Join us for an exclusive Estate & Succession Planning Event at our downtown Kelowna office. This is a one-time opportunity designed specifically for you.

📅 Date: This Thursday
⏰ Time: 6:00 PM
🍷 Enjoy a curated charcuterie spread by TJ’s Grazing paired with local wines from our favorite vineyards.

This is an information-only session - no sales pitch. You’ll leave with a practical checklist to help you uncover whether the CRA could be your estate’s biggest beneficiary (and how to prevent it!).

Don’t let your hard-earned wealth slip away. Plan today to keep more dollars in your family’s pocket tomorrow.

Seats are limited - reserve yours now by sending us a direct message!

06/17/2025

What makes this scam so insidious is its slow burn. One minute you're receiving small, seemingly genuine payouts—a few hundred dollars here, maybe a thousand there—just to quash suspicion and build your confidence. Then, just when you think you're on the path to a windfall, they ask for a colossal fee before you can access your profits. That fee, coupled with the carefully nurtured trust, ends up wiping out far more than you ever expected to lose.

It's rare to see a scam that's as methodically destructive as this one, particularly in realms like romance and cryptocurrency. The lesson? Always be hyper-vigilant. If someone reaches out unexpectedly, if the story sounds too perfect or if returns seem unbelievably high, take a step back. Ask questions, confirm details, and remember: trust is built over time—but so is deception.

I work hard to protect my clients by having in-depth conversations about the purpose behind every significant investment they make with their money. It's this kind of transparency and vigilance that keeps harmful schemes at bay. In a world overrun with get-rich-quick promises, I urge you to work with someone you know you can trust. If it sounds too good to be true, it indeed is.

Stay safe, stay informed—and let's keep building wealth the right way.

Talk soon,
Kaylyn

02/26/2025

⏰ RRSP Deadline Alert! ⏰
Don’t miss out! The RRSP contribution deadline is March 3rd. 📅 Did you know the best way to make an instant return on your investment is to get up to 52.5% from the CRA? 💰
By contributing to your RRSP, you can reduce your taxable income and receive a significant tax refund, which can be reinvested to grow your savings even more! 🌟
Act now and secure your financial future. Contact us to learn how to maximize your RRSP benefits! 🚀

02/18/2025

This has been a hot topic from clients lately for a multitude of reasons. I hope this article helps you understand your options.

Choosing the right trustee can make a big difference in the outcome. As always, I'm here to chat if you want to know more., or if you need help trying to make a difficult decision.

raymondjames.ca

12/22/2024

Considering adding your adult child as a joint tenant on your home? 🏠💭

It’s a big decision, but when done right, it can make a world of difference for both you and your loved ones.

By using joint tenancy with a gift of right of survivorship, you can ensure that when the time comes, your child inherits your home without going through probate—and with no tax implications. The parent retains full control until their passing, and the property can still qualify for the principal residence exemption.

Here’s why this method can be so effective:

👉No Immediate Tax Implications

👉Principal Residence Exemption

👉Control and Flexibility

👉Extra Protection for Your Family

But remember, having the right paperwork (deed of gift, bare trust, etc.) is key to making this work!

While this strategy can offer many benefits, it’s not one-size-fits-all. It’s important to make sure everything is structured properly so that your home and your loved ones are taken care of as you intend.

💬 Curious if this is the right move for your estate plan? Let’s chat.

12/18/2024

Worrying about money shouldn’t be part of your retirement plan.

Imagine enjoying your retirement without financial stress, where your investments continue to work for you, funding everything from everyday expenses to those special life moments.

With a Paycheck Portfolio, you can spend your cash, not your capital, and feel confident in your financial future.

I work with my clients to shift from growth-focused assets to ones that generate reliable income—so you can live comfortably without constantly checking your accounts.

You've worked hard to build your wealth, now let's put that wealth to work for YOU in a way that ensures it continues to support you throughout your retirement.

Ready to see how you can retire with confidence? Send me a DM!📩🩵

Let your later years be your best years!

12/07/2024

Did you know that the average household with a financial advisor for 15 years or more has asset values 2.3x higher than an average comparable household who did not have a financial advisor?

This just shows that the sooner you start planning, the more your money works for you.

I recently had a conversation with someone who was thinking about using their TFSA to pay down the mortgage on a bigger home.

It's tempting, but I asked them how long it will take to save and replace that money.
If you leave it invested, the compounding effect over just five years could make a huge difference.

Those first few years of compounding are GOLD.

If you wait five more years to start saving, you could be cheating your future self out of serious growth.

And I get it…the financial world is always changing. There are so many programs out there (TFSA, First Home Savings Account, Disability Savings Plan).

It can be overwhelming, but if you’re not taking advantage of them, you could be leaving money on the table... and none of us want to give more to the CRA than we have to, right?

No one wants to see their hard-earned savings slip away, especially when there are options to help keep more of what’s yours.

It's never too early to plan ahead.😉🤍

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https://www.agf.com/ca/en/education/working-with-a-financial-advisor/index.jsp #:~:text=The%20average%20household%20with%20a,not%20have%20a%20financial%20advisor.

11/25/2024

I often hear that financial planning is all about the numbers. But for me, it’s so much more…

It’s about securing a future that allows you to live life on YOUR terms.🩵

Time is our most precious resource.

Unlike money, we can't make more of it.

We can't buy it back.

My job is to help you use your financial resources to maximize your time, giving you the freedom to enjoy life without financial stress.

For many women, there's an inevitable point where taking charge of personal or family finances becomes a necessity. And if you haven't been deeply involved in managing your finances before, this transition can seem daunting.

👉How much can you safely spend?

👉How do you ensure your money lasts?

Working with a financial advisor can relieve the pressure of navigating these challenges alone.

It’s not just preserving wealth but enabling you to live freely on your terms.

It’s about ensuring that your money supports your lifestyle and freedoms throughout your entire life without the constant worry of running out.

That’s where I come in. I'm here to help you make smart, tailored financial decisions so you can focus on what truly matters.

Let’s work together to make sure your finances are as resilient as you are, giving you the freedom to enjoy every moment of the life you love.☺️

11/15/2024

Is your retirement plan outdated?💭

The old rule of reducing risk by increasing bonds as you age just doesn’t work like it used to…

Over the last 15 years, bond returns and interest rates have been too low to provide the security retirees need. If you’ve followed the 60/40 strategy, you might find yourself running out of money faster than expected.

It’s not just about stocks and bonds anymore.😉

You may need alternative investments like real estate or private equity to lower risk and ensure stable returns and cash flow in retirement. Even major funds like CPP have shifted their focus to alternatives, and the results speak for themselves.

CPP consistently ranks among the world’s top pension funds.

If you’re still relying on a 60/40 portfolio, it’s time to rethink your approach. Alternatives can help you secure your retirement with consistent cash flow, so you’re not left short.

____________

Alternative investments are available only to those who meet specific suitability requirements including minimum net worth tests. Please review any offering materials carefully and consult with your tax advisor or accountant before investing. There are special risks involved with
alternative investments, including liquidity, constraints, tax considerations, fee structures, potentially speculative investment strategies and different regulatory and reporting requirements. There can be no assurance that any investment will meet its performance objectives.

11/05/2024

Probate might seem like an unnecessary expense, but it actually serves a very important purpose, especially if someone close to you is managing your estate👀

Probate sets a definitive end date for claims against your estate, protecting your loved ones from potential financial stress.

Think of your executor as the CEO of your estate.

Without probate, they could be held responsible for unpaid debts for years, with no clear end in sight. Imagine someone coming forward five years after your passing, claiming you owed them money. Without probate, your executor could be liable!

Probate gives a fixed time period for creditors to step forward. After that, your executor can’t be held responsible for any old claims or surprise debts.

And when it comes to more complicated situations, like blended families or second marriages, probate ensures your specific wishes are carried out—whether it’s providing for your spouse during their lifetime or making sure your children inherit what’s intended for them.

So, while probate might involve fees and a bit of waiting, the peace of mind and security it offers can be invaluable.🏠🩵