Kelsey Geertsma, PFP Financial Planner Investment & Retirement Planning

12/10/2025

A financial advisor can play an important role at any stage of your investment journey and here’s why.

At RBC Financial Planning, we look at everything—your goals and priorities, what you have and what you owe—to help you design your financial plan. Let's start a conversation today.

12/08/2025

With central banks buying and investors seeking a safe haven, what’s next for this precious metal? http://spr.ly/60467o3zm

11/14/2025

Should People rely on AI when it comes to their own personal financial planning?

AI can be very helpful for personal financial planning — but it shouldn’t replace human judgment or professional advice. Think of AI as a powerful tool, not a standalone planner. Here’s how to look at it clearly:

✅ Where AI is helpful

AI can be excellent for:

1. Organization & tracking

Categorizing expenses

Estimating budgets

Reminders for bills or contributions

Simplifying complex information

2. Education

Explaining financial concepts

Illustrating pros/cons of choices

Helping you understand investment terminology

3. Scenario modeling

“What happens if I save X per month?”

“How long will it take to pay off this loan?”

“What would retirement look like with Y investments?”

4. Reducing emotional bias

AI won’t panic-sell, overthink, or get emotionally attached to choices.

❌ Where AI should not be your only advisor

There are limits and risks:

1. AI doesn’t know your entire life situation

2. It can make incorrect assumptions

Financial planning relies heavily on:

Tax laws (change frequently)

Local regulations (vary by province/country)

Market conditions
AI may not always have up-to-the-minute or jurisdiction-specific insight.

3. It can’t replace a certified financial planner

A real CFP:

Understands your emotional risk tolerance

Helps set long-term goals

Handles estate planning, insurance, taxation strategy

Carries legal and ethical responsibility

AI carries no fiduciary duty.

4. Privacy considerations

Sharing every financial detail with any AI tool requires careful thought, especially if tools are not fully private, locally hosted, or regulated.

My passion lies in leveraging financial expertise to assist clients in developing a personalized financial strategy. I am dedicated to taking the time to understand what matters most to you, and offering tailored strategies to help you achieve your goals.

10/14/2025

In the face of uncertainty stirred up by the talk of tariffs, it’s natural to feel uneasy about your finances. Here are some tips to help protect your money and weather change with confidence.

09/11/2025

From the tech wreck of 2002 to the pandemic dip of 2020, history proves that markets can bounce back swiftly. In this InvestED with RBC GAM video, explore key lessons from past market rebounds and why staying invested is key to long-term success. http://spr.ly/6045ffwJN

08/19/2025

The Wealthy Barber explains the two basic types of powers of attorney in Canada.

04/22/2025

https://bit.ly/3Gn34nK

Explore RBC resources for women entrepreneurs. Learn how to get started, access exclusive offers and more.

04/03/2025

RBC Thought Leadership has launched a new Trade Hub. Check it out!

As North American trade policies evolve in light of the U.S.’s changing geopolitical and economic priorities, The Trade Hub will provide in-depth analysis and strategic insights that can help decision-makers navigate this historic moment. This platform aims to put forth ideas on how Canada can play a critical role in reinforcing North America’s economic strength.

What you’ll find on Trade Hub:
• A sharp focus: ideas on how Canada can play a decisive role in reinforcing U.S. energy and economic security.
• Regular content updates: ongoing analysis and commentary on shifting dynamics across CAD-U.S. trade relations.
• Data-driven insights: in-depth reports and visualizations to break down latest trends and updates.
• Perspectives from across RBC: insights from across all of RBC on how U.S.-CAD relations are shaping key sectors.
• Actionable intelligence for decision-makers: strategic recommendations to help businesses and policymakers respond to the volatility.

Stay up to date:

The latest tensions with the U.S. should jolt Canadians into seeking an economic and trade reboot.

02/19/2025

Don't forget to top up your RRSP's before the March 3 deadline!

02/06/2025

Monetary Policy Report January 2025. Economic growth has ticked up in Canada, boosted by past cuts in interest rates. In the absence of new tariffs, growth is forecast to strengthen, and inflation remains close to 2%. But the threat of new tariffs is causing major uncertainty.

Economic growth has ticked up in Canada, boosted by past cuts in interest rates. In the absence of new tariffs, growth is forecast to strengthen, and inflation remains close to 2%. But the threat of new tariffs is causing major uncertainty.

01/09/2025

With the release of the 2024 Fall Economic Statement, this summary article outlines some of the tax and support measures that may affect Canadians.