Garofalo & Associates Private Wealth Management

05/27/2026

At Garofalo & Associates, we're passionate about helping shape the next generation of financial professionals, and we're pleased to welcome Tyler Holmes as our newest intern.

Through mentorship, hands-on learning, and exposure to real client planning conversations, Tyler will gain valuable experience supporting the work we do for families, professionals, and business owners.

We value IG Private Wealth Management’s ongoing commitment to attracting and developing emerging talent, and we're grateful to clients for supporting us as we invest in the future of the profession.

Building a strong future in financial planning depends on developing talented people not only for our industry, but for the clients and communities we serve.

Learn more about working with our team here: https://www.garofaloandassociates.ca/join-our-team

IG Wealth Management

05/20/2026

“Having enough” is not a number, it's a strategy. If you have accumulated meaningful capital but still question long-term sustainability, the issue may not be assets. It may be structure.

Affluent retirees often accumulate significant assets yet remain uncertain about sustainability. The concern is rarely about wealth alone. It is about clarity.

Confidence comes from understanding income durability, tax exposure, healthcare contingencies, and estate implications under multiple scenarios.

A comprehensive retirement plan starts with a conversation. Contact us via our website: https://www.garofaloandassociates.ca/

04/30/2026

Lessons from 100 years of investing: listen now!

This year, IG Wealth Management celebrates 100 years of helping Canadians invest through everything markets can deliver. Philip Petursson, Chief Investment Strategist at IG Wealth Management, takes us through a century of market history; from the 1929 crash to the dot-com boom, the 2008 crisis and pandemic shock. He reveals a surprising pattern: while the triggers change, the rhythm stays remarkably consistent. Excess leads to stress, followed by policy response and recovery. Philip explains why the core building blocks of investing haven't fundamentally changed and shares the real lesson from a century of markets: success isn't about predicting the future perfectly, it's about preparing for it consistently.

▶️ Click here to listen to the latest episode: https://www.garofalodonato.ca/podcasts
Subscribe. Like. Share this episode.

04/29/2026

The 2026 Spring Economic Update introduced several changes that may quietly shape financial decisions over the coming years.

From reduced CPP contributions starting in 2027, to extended flexibility in the Home Buyers’ Plan, and expanded tax support for tradespeople and apprentices, these updates are less about headlines and more about long-term planning implications.

Understanding how policy changes translate into real-life financial decisions is where clarity matters most.

If you’re wondering how these updates may affect your situation, it’s worth taking a closer look.
https://www.ig.ca/en/insights/2026-spring-economic-update

On November 4, François-Philippe Champagne, Minister of Finance and National Revenue, presented Canada’s 2025 federal budget. Here is a summary of the most relevant proposals that may impact Canadians.

04/22/2026

Inflation does not disappear in retirement, it compounds quietly. Retirees who shift too conservatively too quickly may unintentionally compromise future lifestyle flexibility.

Inflation protection requires thoughtful portfolio construction, diversification beyond fixed income, and a clear understanding of real return objectives.

Balancing income stability with growth exposure is not a simple allocation decision. It is an integrated planning decision tied to spending patterns and legacy priorities.

If your retirement portfolio has not been reviewed through an inflation-adjusted lens, it may warrant a comprehensive evaluation.

A comprehensive retirement plan starts with a conversation. Contact us via our website: https://www.garofaloandassociates.ca/

04/20/2026

We often hear the same question during periods like this: “What should I be doing right now?” The answer is rarely about reacting to headlines. It’s about having a plan that already accounts for uncertainty.

For a clear, structured review of what actually happened, and what may come next, read our First Quarter 2026 Market Review.
Click here to read the full report:https://www.ig.ca/content/dam/ig-wealth-management/en/public-sites/ig/documents/commentaries/ig-q1-2026-market-review-explainer-en.pdf

If you know someone trying to make sense of markets right now, this is a helpful place to start.

04/17/2026

Volatility tends to raise questions. That’s a good thing when it leads to better decisions.

Watch this Q1 Market Review to help bring clarity to what’s happened so far this year.

Watch here: https://www.youtube.com/watch?v=F0sMp-9c9eA

And if someone you know would benefit from a steady, structured perspective, this is a useful resource to share.

Market fundamentals remained resilient, despite energy shock

04/14/2026

The latest episode of The Living Market Podcast is out now: Economy and earnings looking sturdier than market suggests.

Headlines make corrections feel like collapses, but what does the data actually show? Philip Petursson, Chief Investment Strategist at IG Wealth Management, separates market mood from underlying reality. He explores how falling stock prices in the face of rising profit expectations create a better setup, shares surprising strength from major airlines reporting their best booking weeks ever and explains why the economy looks sturdier than investor sentiment suggests heading into earnings season.

▶️ Click here to listen to the latest episode: https://www.garofalodonato.ca/podcasts
Subscribe. Like. Share this episode.

04/10/2026

For many Canadians, mortgage renewal is no longer a routine decision.

It’s a moment that can significantly impact monthly cash flow, lifestyle flexibility, and long-term financial outcomes.

In today’s environment, strategy matters more than ever.

Join us as we host IG’s mortgage specialists alongside a leading housing economist to walk through how to make informed, confident decisions.

📅 Thursday, April 23, 2026 | 🕐 6:00 pm ET
🔗 Register now: https://event.on24.com/wcc/r/5283318/E3BAA94420024C602C5571DD51F539FB?partnerref=RO124ChrisGarofalo

03/27/2026

Does your financial plan reflect your definition of wealth? Strong planning begins by clarifying what matters most to you and then aligning every decision around that perspective.

Expertise. Teamwork. Trust. Contact us today: https://www.garofalodonato.ca/

03/18/2026

Tax efficiency in retirement is not a tactic, it's a long-term architecture. Many retirees focus on minimizing tax this year but sophisticated planning should focus on minimizing tax over your lifetime and across generations.

True financial planning integrates income projections, legislative awareness, and estate modelling into one cohesive strategy.

If your investments are managed well but your tax strategy feels reactive, there may be an opportunity to strengthen your overall structure.

A comprehensive retirement plan starts with a conversation. Contact us via our website: https://www.garofaloandassociates.ca/