C3 Wealth Advisors

08/14/2026

The staff of C3 Wealth Advisors want to wish our founder, fearless leader, and Certified Financial Planner® Roxanne a very Happy Birthday. Hoping your day is as special as you are!

08/10/2026

Your financial questions deserve answers.

Whether you’re wondering “How much do I need to retire?”, “Am I saving enough?”, or simply want to get a better handle on your financial picture, having the right tools can be a great place to start.

We’ve just added a new financial Tools & Calculators page to our website, with helpful resources designed to make some of the numbers behind financial planning easier to understand.

Explore the calculators. Run the numbers. Gain a little more clarity about your financial future.

Visit our new Financial Tools & Calculators page:

https://c3wealthadvisors.ca/financial-tools-calculators/

And remember, calculators are a starting point. Your financial plan should consider your unique goals, circumstances and needs. We’re here if you’d like help turning those numbers into a personalized financial plan.

08/01/2026

This long weekend, all of us at C3 Wealth Advisors wish you and your loved ones a wonderful weekend filled with joy, relaxation, and time to recharge.

Whether you’re spending time with family, enjoying the outdoors, or simply taking a well-deserved break, we hope these extra moments bring you renewed energy and lasting memories.

Have a safe, happy, and restful long weekend. The office shall be closed on Monday for the Civic Holiday but we look forward to connecting with you again soon.

Happy Long Weekend!

07/23/2026

One of the most misunderstood concepts in practice transitions is the phrase “debt-free, cash-free.” It sounds straightforward, but the details surrounding equipment loans, leases, inventory, working capital, and purchase price adjustments can significantly impact both buyers and sellers.

In my latest editorial for Eye Care Business Canada, I unpack what “debt-free, cash-free” really means and why understanding the definitions before you negotiate can save you from costly surprises.

Whether you’re years away from selling or actively considering a transition, knowing how these deals are structured can help you protect the value you’ve worked so hard to build.

Read the full article here:

https://www.eyecarebusiness.ca/resources/finance-operations/debt-free-cash-free-optometry-practice-sale/

I’d love to hear your thoughts. What topics around buying or selling an optometry practice would you like me to cover next?

Learn what debt free, cash free means in an optometry practice sale, including how equipment loans, leases, working capital and inventory are handled.

07/16/2026

Throwback Thursday!

This spring during the Value Partners Investments Strategy Session in BigWhite, between some time on the slopes and in the conference room, Roxanne made a point of asking some of the Portfolio Managers, “What will you do in 2026 to find more joy?”

First Up:
Darren Erickson, Portfolio Manager (VPI Global Equity Pool) shared both a personal and a professional goal “more time with the new puppies and to perhaps dispose of a few underperforming holdings to take advantage of better opportunities”

Next:
Finn McKay, Portfolio Manager (Sustainability Leaders Pool) too shared both a personal and a professional goal stating, “more time with friends especially as everyone gets busier with their own families.” Finn believes that longevity is directly connected with the depth of relationships you have with other people and he aspires to a good, long life. Adding professionally, Finn shares “for performance, refining and improving our list of companies following beyond the portfolios so we can make quicker decisions.”

Last, but not least:
Faisal Ahamed and Patrick McCalmont, Portfolio Managers (Canso Investment Counsel Ltd.) otherwise known as the “bond guys” were finding so much joy on the ski hill where they are known to be accomplished skiers. They took a business-first approach in their reply, responding that they are of the opinion of a move to fixed income because of a lot of anticipated equity volatility on the horizon. They discussed the option to redeploy back into equities if markets drop so one has opportunity and the ability to deploy into bonds over a few months/weeks to spread sell volatility out.

As we look ahead, one thing is clear: success isn’t measured only by portfolio performance, it’s also found in meaningful relationships, personal fulfillment, and making thoughtful decisions when opportunities arise. Thank you to Darren, Finn, Faisal, and Patrick for sharing their perspectives.

Here’s to finding more joy, embracing new opportunities, and staying focused on both what matters in life and what matters in investing throughout 2026.

What will you do to find more joy this year?

07/09/2026

The annual Taste of Wainwright is tomorrow night. A great local event you don’t want to miss!

07/05/2026

Happy Birthday, Ken Hrubeniuk

Today we’re celebrating someone who plays an important role behind the scenes. While many know Roxanne as the founder of C3 Wealth Advisors, we’re grateful for the love, encouragement, and support that Ken provides to her and their family every day.

May the year ahead bring you good health, happiness, and many new blessings.

From all of us at C3 Wealth Advisors, Happy Birthday, Ken!

06/21/2026

Happy Father’s Day to the dads who are here with us, making ordinary days extraordinary with their love, guidance, laughter, and unwavering support.

Today, we also hold space for the fathers, grandfathers, and father figures who are no longer with us. Though they may be gone from our sight, their lessons, love, and legacy continue to shape our lives every day.

To the dads we hug, the dads we call, the dads we miss, and the dads we carry in our hearts. Today we celebrate you all. ❤️

Happy Father’s Day.

06/10/2026

The countdown to Wainwright Stampede is on!

A full week of the best pancakes and burgers you can get! 🥞☕️🍔🥤

06/07/2026

The Value Partners Investment Counsel (VPIC) Annual Meeting in Winnipeg ended earlier this week with a wind-up dinner at the Millennium Centre - a former bank on Main Street near Portage and Main.

This building was once part of the well established Banker’s Row at the turn the 20th century. In the heart of Winnipeg’s downtown, and the Exchange District, a national historic site, the former Bank of Commerce building was built in 1912 by Toronto architects Darling and Pearson. This landmark heritage building was a perfect venue to dine, connect and network!