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.

Find out how much TFSA contribution room you have left this year. Use this TFSA contribution room calculator to check th...
08/21/2026

Find out how much TFSA contribution room you have left this year. Use this TFSA contribution room calculator to check the maximum contribution and avoid penalties.

Not sure how much you can put into your tax-free savings account this year? This tool will help you figure it out.

Learn how to avoid common RESP withdrawal mistakes and make the most of your savings when paying for your child's post-s...
08/20/2026

Learn how to avoid common RESP withdrawal mistakes and make the most of your savings when paying for your child's post-secondary education.

Learn how to avoid common RESP withdrawal mistakes and make the most of your savings when paying for your child's post-secondary education.

See how the First Home Savings Account combines tax breaks and flexible savings to help reach a down payment goal faster...
08/18/2026

See how the First Home Savings Account combines tax breaks and flexible savings to help reach a down payment goal faster.

Looking to buy a first home? The tax-free First Home Savings Account (FHSA) is a new option for potential first-time homebuyers. Learn more about this savings option and discover if it’s the right fit for you.

Quiet strength - We have seen a return of the quiet strength that is a hallmark of bull markets. The strongest markets a...
08/18/2026

Quiet strength - We have seen a return of the quiet strength that is a hallmark of bull markets. The strongest markets are not exciting, but they quietly and persistently grind higher.

Many people assume becoming a millionaire requires something extraordinary like a big salary, a lucky break, or a large ...
08/14/2026

Many people assume becoming a millionaire requires something extraordinary like a big salary, a lucky break, or a large inheritance. In truth, it only requires one thing: starting early. This is the story of how Alex Sasso, CEO of NCM Investments, saw this firsthand with his own daughter.

Many people assume becoming a millionaire requires something extraordinary like a big salary, a lucky break, or a large inheritance.

Explore five practical tips to help you enjoy a stress-free vacation before your next family trip.
08/14/2026

Explore five practical tips to help you enjoy a stress-free vacation before your next family trip.

Vacationing with adult kids? Learn how boundaries, budgets and flexibility can help you plan a stress‑free trip everyone enjoys.

Learn how to navigate the transition from RRSP to RRIF, plan withdrawals, manage taxes, and tailor your retirement strat...
08/13/2026

Learn how to navigate the transition from RRSP to RRIF, plan withdrawals, manage taxes, and tailor your retirement strategy to your personal needs. As always, I am here to personally help.

Learn how to navigate the transition from RRSP to RRIF, plan withdrawals, manage taxes, and tailor your retirement strategy to your personal needs.

The CRA is cracking down on TFSA overcontributions. Learn how penalties work, how to correct mistakes, and when you can ...
08/12/2026

The CRA is cracking down on TFSA overcontributions. Learn how penalties work, how to correct mistakes, and when you can request tax relief.

The CRA is cracking down on TFSA overcontributions. Learn how penalties work, how to correct mistakes, and when you can request tax relief.

Bull markets - In the current bull market, the S&P 500 is up 116.9% since it began on October 12, 2022. That ranks fifth...
08/11/2026

Bull markets - In the current bull market, the S&P 500 is up 116.9% since it began on October 12, 2022. That ranks fifth of the eight bull markets since 1966. Investors who believe this market has run too far should look at what running too far can actually look like.

“Moneymaxxing” promotes practicing better financial habits, such as cutting expenses, redeeming rewards points and earni...
08/08/2026

“Moneymaxxing” promotes practicing better financial habits, such as cutting expenses, redeeming rewards points and earning interest on savings

In an affordability crunch, social media's viral "maxxing" trend could lead to long-term financial security.

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