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.

Tech Insiders- At least one group of Tech investors appears to be viewing this as a buying opportunity (HINT: Its the pe...
07/08/2026

Tech Insiders- At least one group of Tech investors appears to be viewing this as a buying opportunity (HINT: Its the people who know these companies best). Make of it what you will.

Canadians are using AI for money matters, from budgeting to financial planning. Read these expert tips to get better ans...
07/07/2026

Canadians are using AI for money matters, from budgeting to financial planning. Read these expert tips to get better answers and protect your personal info.

Canadians are using AI for money matters, from budgeting to financial planning. Read these expert tips to get better answers and protect your personal info.

AI vs. jobs - We can finally say AI isn't killing jobs ... Firms that adopt AI heavily grow headcount 10% over two years...
07/02/2026

AI vs. jobs - We can finally say AI isn't killing jobs ... Firms that adopt AI heavily grow headcount 10% over two years following adoption. Low adopters see no statistically significant change.

Starting July 1, 2026, many accident benefits that have been automatically included in Ontario’s standard automobile pol...
07/01/2026

Starting July 1, 2026, many accident benefits that have been automatically included in Ontario’s standard automobile policy will become optional. Protections like income replacement, caregiver benefits, and death benefits will no longer be there by default. If you do not actively choose them and pay an additional premium, they will not be available to you after a crash. Most Ontario drivers do not know this is coming. Many will only find out when it is too late. Read on to learn more.

Ontario Auto Insurance Is Changing on July 1, 2026. Here Is What Every Driver and Family Needs to Know. Starting July 1, 2026, many accident benefits that have been automatically included in Ontario's standard automobile policy will become optional. Protections like income replacement, caregiver ben...

During your working years, you may receive tax refunds due to the withholding tax on your paycheque, but things change i...
06/30/2026

During your working years, you may receive tax refunds due to the withholding tax on your paycheque, but things change in retirement. Find out how.

During your working years, you may receive tax refunds due to the withholding tax on your paycheque—but things change in retirement. Find out how.

SPX peaks by month- Good time to remember the S&P 500 has never peaked for the year in June. This is the only month to n...
06/25/2026

SPX peaks by month- Good time to remember the S&P 500 has never peaked for the year in June. This is the only month to never peak for the year. Given the most recent ATH was on June 2, could this year be the first? I say no.

2026 Tech vs. 2000 Tech- Tech price and forward PE leading into today vs. the tech bubble. Two very different pictures. ...
06/24/2026

2026 Tech vs. 2000 Tech- Tech price and forward PE leading into today vs. the tech bubble. Two very different pictures.

Happy Father's Day!
06/21/2026

Happy Father's Day!

The S&P 500 has now spent 52 consecutive weeks with its 10-week moving average above its 40-week moving average ... Unti...
06/18/2026

The S&P 500 has now spent 52 consecutive weeks with its 10-week moving average above its 40-week moving average ... Until that changes, the trend deserves the benefit of the doubt.

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