The Orr Financial Management Group

09/03/2026

Total Wealth Planning is a comprehensive, integrated approach that goes beyond investments to consider the full spectrum of your financial life.

Watch the video below or visit our website to begin exploring the value of a big-picture strategy. If you have any questions about Total Wealth Planning, please reach out to our team. https://mitchorr.com/total-wealth-planning-the-big-picture-approach/

09/03/2026

There is a world of difference between owning a stake in a business and making a speculative investment in it. The former is for professionals. The latter is for amateurs.

Our latest blog post explores the why and when of investing. Visit our website to read more.

As I have written in the past, there is a world of difference between owning a stake in a business and making a speculative investment in it. The former is for professionals. The latter is for amateurs. Thinking like an owner rather than a speculator means shifting your focus from short-term price f...

09/02/2026

Registered Education Savings Plans (RESPs) can play an important role in helping fund a child’s or grandchild’s post-secondary education. But their role in an estate plan is sometimes less clearly understood.

This article outlines key estate planning considerations to keep in mind when reviewing your RESP.

When it comes to estate planning, RESP assets are often overlooked. This article provides an overview of important estate planning considerations for your RESP.

08/31/2026

U.S. equities opened the week on the defensive as broad technology and semiconductor weakness weighed on sentiment ahead of a heavy macro and earnings calendar, before a sharp drop in oil on easing Middle East supply fears fuelled a Tuesday relief rally; gains stalled midweek as a firmer July Personal Consumption Expenditures (PCE) print revived inflation concerns and investors sat on their hands ahead of Nvidia, whose strong outlook, alongside Salesforce’s guidance, drove a broad Thursday advance that consolidated Friday ahead of Warsh’s Jackson Hole address.

We have the latest market news from Scotia Wealth Management on our website.

This week’s highlights Tech earnings buoy markets as oil relief offsets inflation caution Trade shock, then inflation: a two-part week for sovereign bonds Canadian GDP beats the odds amid tariff turmoil U.S. inflation holds above target as Warsh signals Fed still has “work to do” Firmer Europe...

08/27/2026

As many of my followers know, I have written frequently about the essential unpredictability of the markets. I have referred to them as a complex adaptive system, which roughly means that – unlike the internal combustion engine, for example – their individual parts do not bear an orderly, internally dependent relationship with one another to work.

Another way of putting it is to think of the markets as a body of water, sometimes calm, often turbulent, through which we as passengers on a yacht, make our way. Yachts have guardrails, protective boundaries designed to keep passengers within safe, acceptable, and responsible limits during a voyage. Guardrails in investing is the subject of this blog.

Read more on our website.

As many of my followers know, I have written frequently about the essential unpredictability of the markets. I have referred to them as a complex adaptive system, which roughly means that – unlike the internal combustion engine, for example – their individual parts do not bear an orderly, intern...

08/27/2026

As you age and start thinking more about preserving your wealth and passing it on to the next generation, taking advantage of tax, investment and estate planning strategies become increasingly important.

The following checklist outlines some common planning considerations to think about as you enter retirement. For personalized advice, please reach out to our team.

The following checklist outlines some common wealth planning considerations to think about as you enter retirement.

08/26/2026

The U.S. imposed additional 50% tariffs on approximately $20 billion of Canadian goods, from August 22nd. Canada has pledged to retaliate with its own trade measures two weeks from now, and Trump has threatened 50% duties on autos and parts, and steel on January 1st. Is the latest episode another detour within the broader CUSMA review process, or could it result in a permanent shift in the Canada-U.S. trade relationship?

This report sets out what the measures cover, where it sits in the broader CUSMA narrative, and how it could impact the Canadian and U.S. economies as well as markets and investment portfolios.

The U.S. imposed additional 50% tariffs on approximately $20 billion of Canadian goods, from August 22nd. Canada has pledged to retaliate with its own trade measures two weeks from now, and Trump has threatened 50% duties on autos and parts, and steel on January 1st. Is the latest episode another de...

08/24/2026

Canadian equities finished -0.28% lower in choppy trading, as a hotter inflation print that lifted Bank of Canada hike bets and tariff-deadline uncertainty offset firm commodity prices, a Wednesday tariff-delay pop and a retail-sales-driven Friday bounce.

Don’t miss Scotia Wealth Management’s latest market update—now on our website.

This week’s highlights Semis, oil, and tariffs steer equities lower despite late-week bounce Long-dated global sovereign yields spike before US Treasury increased buyback plan somewhat steadies rates Canadian inflation edges higher keeping tightening risks alive U.S. business activity accelerates ...

08/21/2026

Money conversations with aging parents are rarely just about the numbers. They’re about security, control, fairness, guilt—and family dynamics.

Here are five steps to help families navigate financial decisions with greater clarity and confidence.

Money isn’t just math. And the management of money in the context of family financial decision-making is fraught with pitfalls, especially where aging parents are concerned. The intergenerational wealth transfer conundrum – which is just one element in family money management – is hitting the ...

08/21/2026

For most retiring faculty and staff, a university pension is the cornerstone of retirement income. Properly managed, it can provide lifelong financial security and peace of mind.

With over 25 years of experience helping university retirees navigate their financial future, I’m here to ensure your retirement is everything you’ve worked for. Let’s build a personalized roadmap for a secure and comfortable retirement—because your future deserves more than a call centre.

Learn more: https://mitchorr.com/university-retirees/