D.R Johnson Financial Ltd.

07/31/2026

PAYING DOWN DEBT VS INVESTING - WHICH IS BETTER?
This is an age old question I get asked regularly by clients.The Wealthy Barber does an excellent job of helping people make the right decision for their situation in the attached short video. I have basically been saying the same thing to my clients for years .

07/16/2026

How many retirees are aware of this income tax benefit?

07/16/2026

Something for financially responsible people with dependents who don't currently have life insurance to think about.

As you can see, there are many reasons to consider life insurance. The good news is that getting life insurance is simpler and more affordable than most people think.

07/08/2026

GOOD ADVISE FROM "THE WEALTHY BARBER"

READ YOUR EMPLOYER SPONSORED BENEFITS BOOKLET & KNOW WHAT YOU ARE ELIGIBLE FOR THRU THE PLAN. Many people don't do this and as a result are not taking advantage of benefits and services they are paying for thru payroll deductions.

07/08/2026

Difference Between DOVISH & HAWKISH Banking Policy.

We see and hear the terms DOVISH & HAWKISH all the time on television programs related to finance/investments and banking and in the news ... BUT .... most people don't understand what the terms mean, so below is an explanation.

The terms "DOVISH" and "HAWKISH" have their origins in the world of diplomacy and military strategy but have been adopted into economic discourse over time. DOVISH policies emphasize fostering economic growth and reducing unemployment, often through lower interest rates and more accommodating monetary measures. HAWKISH policies, on the other hand, prioritize controlling inflation and maintaining financial stability, typically through higher interest rates and tighter monetary measures.

06/29/2026

Many of my clients & friends are in their 60s, 70, and even early 80s. Although financial & estate planning is my profession, healthy living & wellness, particularly for those of us who value longevity is of ultra importance. I encourage like minded people to watch the attached video in its entirety (it is a bit long), however it is very powerful and serves as an excellent guide to getting us and keeping us on "THE RIGHT TRACK". If you find it beneficial please feel free to share it with others.😀

05/14/2026

Looking for a good long term tax sheltered investment plus a cost effective life long life insurance policy, then consider a Canada Life Traditional Whole Life Policy - it combines both, and the annual Dividend Rate on Cash values is increasing to 6.0% effective July 01, 2026, up from 5.75% in 2025. For more information contact my office by phone (204) 946-0211, email: [email protected], or using FB Messenger:

05/01/2026

When to start taking CPP and OAS is a question I get asked in my practice quite regularly. In addition to the options talked about in the attached video, I often recommend taking CPP BEFORE age 65, and I rarely, but sometimes recommend delaying the start of taking OAS until after age 65. EVERY client situation is different - life expectancy varies, accumulated RRSP amounts vary, employer sponsored pension plan benefits may or may not be available, there may or may not be a spouse, and if there is does the spouse have RRSPS and/or an employer sponsored pension plan, does the individual and/or the spouse have an existing TFSA - if yes, is it maxed out, does the individual have any debt they are paying non tax deductible interest on (house mortgage, car loan, credit card etc), and lastly what are the retirement goals & objectives.
These are all things I ask about and take into consideration with my clients before making any CPP and OAS recommendations.

04/30/2026

Are you a business owner contemplating or in need of Critical Illness insurance coverage?
If YES, it may be advantageous to apply and pay for the coverage thru your business as opposed you as an individual. CLICK ON THE LINK for more information, then call me if you have any questions: 204-946-0211

Choosing the right type of critical illness insurance can make a big difference, especially if you’re a business owner. A critical illness policy provides a tax-free lump-sum payment if you’re diagnosed with one of several insured conditions. It can help you focus on recovery while managing financial commitments.

Deciding between personal and business-owned coverage comes down to your goals — from retirement and estate planning to business growth and supporting your loved ones after you’re gone.

Talk to your advisor to determine which option fits your needs. Learn more: https://ow.ly/hr5A50YCtIE

04/30/2026

I could not have said this better than Dave, "The Wealthy Barber" does in the attached video. In the video Dave addresses several important issues:
1. Investing larger sums of money.
2. Market Volatility.
3.Time in the market vs market timing.
3.Dollar Cost Averaging.
4. Sleeping at night with no worries.

In today's tops turvy world these things are all correlated for many investors. I encourage everyone, even seasoned investors, to watch and listen to the video, then contact me if you have any questions .. WE CAN HELP: 204-946-0211