Paul Polyviou CFP, CLU, CIM

Paul Polyviou CFP, CLU, CIM THE SIMPLE CHOICE FOR COMPLEX FINANCIAL MATTERS. Helping you achieve your goals - one step at a time. www.financialguardian.ca

Since 2003, I have defined personal financial planning as a process of determining an individual’s or family’s financial goals, purpose in life, and life’s priorities. After considering their resources, risk profile, and current lifestyle, a detailed and realistic plan is prepared to help meet those goals. My designations as a Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), an

d Chartered Investment Manager (CIM) reinforce my ability to provide ongoing comprehensive financial planning advice in the areas of investing, retirement, tax, insurance, and estate planning. By specializing in these, I am better positioned to assist my clients in achieving their financial objectives. My team and I strive to ensure excellent service is received by all clients and seek to educate and provide timely information on a consistent basis.

Wealth building starts with small, consistent habits. Here’s how young Canadians can save, invest and grow their net wor...
06/02/2026

Wealth building starts with small, consistent habits. Here’s how young Canadians can save, invest and grow their net worth over time.

Wealth building starts with small, consistent habits. Here’s how young Canadians can save, invest and grow their net worth over time.

What inflation, investment return, and life expectancy assumptions should Canadians use for retirement planning? Here’s ...
05/26/2026

What inflation, investment return, and life expectancy assumptions should Canadians use for retirement planning? Here’s what financial planners recommend.

What inflation, investment return, and life expectancy assumptions should Canadians use for retirement planning? Here’s what financial planners recommend.

Regardless of what you are saving for, a Tax-Free Savings Account (TFSA) is a great way to save for any financial goal –...
05/21/2026

Regardless of what you are saving for, a Tax-Free Savings Account (TFSA) is a great way to save for any financial goal – a long-term goal such as retirement or a short-term goal such as a car or a vacation. Did you know: if you’ve never opened a TFSA, you can contribute up to $109,000 today?*

Regardless of what you are saving for, a Tax-Free Savings Account (TFSA) is a great way to save for any financial goal – a long-term goal such as retirement or a short-term goal such as a car or a vacation.

This was the 5th All Time High in May, most since 2017.  Nine other years saw this many (or more) ATHs.  The rest of the...
05/12/2026

This was the 5th All Time High in May, most since 2017. Nine other years saw this many (or more) ATHs. The rest of the year (so the final 7 months)? Never lower and up 10.3% on avg.

05/10/2026
The NASDAQ 100 has been above & not touched the 10 Day Moving Average for 20 consecutive days. Historically, this saw $N...
05/07/2026

The NASDAQ 100 has been above & not touched the 10 Day Moving Average for 20 consecutive days. Historically, this saw $NDX higher 10 of 12 times, 3 months later and 11 of 12 times, 1 year later with an average gain of 19.6%. The 3 month Max Drawdown was -8.7%

Volatile markets can trigger emotional investing driven by biases like overconfidence and herd behaviour. Experts explai...
05/04/2026

Volatile markets can trigger emotional investing driven by biases like overconfidence and herd behaviour. Experts explain how to stay disciplined.

Volatile markets can trigger emotional investing driven by biases like overconfidence and herd behaviour. Experts explain how to stay disciplined.

From investing too late to lacking an emergency fund, many Canadian women share similar regrets. Here’s what Gen Z can d...
05/03/2026

From investing too late to lacking an emergency fund, many Canadian women share similar regrets. Here’s what Gen Z can do now to get ahead.

From investing too late to lacking an emergency fund, many Canadian women share similar regrets. Here’s what Gen Z can do now to get ahead.

Buybacks - US companies are stepping up share buyback announcements, a sign of balance sheet strength that returns cash ...
04/28/2026

Buybacks - US companies are stepping up share buyback announcements, a sign of balance sheet strength that returns cash to shareholders and helps support stock prices. For investors, that's a constructive signal.

S&P 500 EPS Revisions - Over the past 15 years, analysts have revised their Earnings Per Share (EPS) estimates down by a...
04/23/2026

S&P 500 EPS Revisions - Over the past 15 years, analysts have revised their Earnings Per Share (EPS) estimates down by an average of 2% between January and April ... 2026 is a different story. This earnings stability is a constructive signal and provides supportive fundamentals for equity markets.

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