Marc Celestini PFP, FCSI - Financial Advisor

06/03/2026

When clients ask about the difference between investing and financial planning, I remind them that investing is just one piece of the puzzle.

Financial planning starts with your priorities — whether that’s retirement, education savings or protecting what you’ve built — and brings together taxes, timelines, risk and family needs to support those goals.

My role is to help align every part of your plan, so your investments truly reflect the life you want to build.

Reach out to book a meeting and let’s start planning with purpose.

06/01/2026

Are you making the most of your TFSA? Where does it fit in your overall financial strategy?

Your future deserves personal attention from a local advisor.

05/30/2026

Markets closed last week hopeful that a U.S.–Iran peace deal will finally help unwind the shock to global energy markets seen this year, with equities hitting new record highs and bonds rebounding.

How did the markets perform this week? Get the highlights and the latest economic news.

05/28/2026

Your financial future deserves professional guidance and long-term commitment – in a way that fits into your busy life.

Get the attention you deserve for the long term, right here in your community.

05/28/2026

One of the most common questions about Old Age Security (OAS) is when to start taking it. The standard age is 65, but you can delay until age 70. Each choice affects how much you receive.

Starting at 65 means you begin receiving income earlier. But if you delay, your monthly payments increase by 0.6% for each month you wait, up to a maximum 36% increase at age 70.

So which option is right for you? It depends on several factors unique to your situation. Your current tax rate matters. If you're still working or have other significant income, delaying might make sense. Your total income matters too, because OAS is subject to a clawback if your income exceeds certain thresholds.

If you're approaching 65 and wondering when to start your OAS, reach out. I can help you evaluate your options based on your personal circumstances.

You asked – we answered! Here are the top 10 questions about Old Age Security (OAS)

05/26/2026

Canadians are expected to transfer significant wealth over the next decade. Is your family ready?

Estate planning isn't just about wealth, it's about legacy, values, clarity, and protecting what matters most to your loved ones. Yet common myths continue to derail families from having crucial conversations about their estate plan.

💡 Four myths we're addressing:

• "Estate planning is only for the wealthy"
• "Splitting assets equally is enough"
• "Beneficiaries will figure it out"
• "Parents should keep wealth matters private"

At Edward Jones, we guide you through an established process that starts with understanding what's important to you. Then we work together – along with your legal and tax professionals - to build personalized strategies that reflect your family's unique circumstances, because there's no "one-size-fits-all" approach to legacy planning.

Let's have the conversation your family deserves. Read our latest insights in the Globe and Mail on multigenerational wealth transfer and discover how thoughtful planning today creates clarity and continuity for tomorrow.

Edward Jones, its employees and Edward Jones advisors are not estate planners and cannot provide tax or legal advice.

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05/23/2026

Stocks continue to climb despite rising rates.

How did the markets perform this week? Get the highlights and the latest economic news.

05/22/2026

Income splitting works best when it's coordinated with your broader financial strategy.

How and when you split income should align with your retirement timing, investment structure, and long-term objectives.

I help couples integrate income splitting into comprehensive financial plans that consider the full household picture, not just the tax rules. Reach out to discuss your coordinated approach.

05/21/2026

A balanced family budget isn't about deprivation or cutting everything you enjoy. It's about creating a realistic plan that supports your goals and fits your life.

Start with clear, achievable goals. Build in flexibility for unexpected expenses, because life rarely goes exactly as planned. Review your budget regularly and adjust as your circumstances change. The families who succeed with budgeting are the ones who stay consistent, not perfect.

And remember, you don't have to figure this out alone. Working with an advisor means having someone who can help you review your current situation, refine your goals, and create a strategy that can help keep you on track.

If you're ready to create a budget that works for your family's goals, reach out. I'm here to help.