TROY FRY - PFA

08/12/2026

08/11/2026

Back to School time! It’s been a long summer, and it’s time to get back to class and crack those books. We send our best wishes out to all of our scholars this year, including those starting out at a new school or maybe gearing up for graduation.

08/07/2026

Markets navigated mixed signals in July. Inflation eased, tech faced pressure, and energy surged. Meanwhile, Americans are planning record travel spending in 2026: \$1.37 trillion. What's shaping your household budget this summer?

Monthly Market Insights | August 2026 U.S. and Canadian Markets Stocks were mixed in July as investors navigated a cross-current of news on the outlook for AI spending and Q2 corporate reports. The Dow Jones Industrial Average led, adding 0.32 percent. The Standard & Poor’s 500 Index edged down 0....

07/24/2026

National Parents’ Day is this Sunday, which is news to most parents.

So no, the day will probably not put parents in the spotlight. But parenting is a 365-day job, and one piece of it gets quietly transferred whether parents are intentional or not: financial habits.

Some kids and grandkids absorb attitudes about earning, saving, and risk long before they understand the math.

A few questions worth asking before the next family gathering:

🔹 What do the kids and grandkids actually know about how the family operates financially?

🔹 What do we want them to understand about earning, saving, giving, and risk?

🔹 When was the last family discussion about money that was not about a specific bill or expense?

🔹 Is there a generational wealth strategy, and does the next generation know enough about it to carry it?

The families we see do this best hold a standing meeting once or twice a year, and summer is a perfect time!

Nothing formal. Just enough rhythm that the next generation knows what is being built and why.

07/16/2026

Travel fraud gets worse every summer, and we hear more stories from clients every year.

A quick login from the lobby.

A brokerage app checked from the airport lounge.

A bank balance pulled up at a cafe.

Public networks are where accounts can get exposed.

A few habits worth building before the next trip:

🛑 Skip public WiFi for anything financial. Use cellular data or a personal hotspot.

🛑 Turn on real-time transaction alerts for every card.

🛑 Consider using credit, not debit.

🛑 Watch for skimmers (devices attached to gas pumps and ATMs that copy card data).

A few minutes of preparation before the trip can help prevent months of cleanup after.

07/09/2026

🚨 YOUR NEXT PARTY INVITE COULD BE A TRAP

Our team came across this one and wanted to pass it along.

Hackers are hijacking actual friends' accounts to send fake invites via Evite, Paperless Post, or Punchbowl.

THE DOMINO EFFECT:

▪️ You hit RSVP in a friend's email.

▪️ A fake login page steals your password.

▪️ The same invite blasts to your entire contact list from your account.

▪️ Hackers now have access to your banking, brokerage, and password reset services.
Here’s how to spot a fraudulent party invite!!!

🔍 Check the Sender: Real Paperless Post invites come from an official paperlesspost.com address, Evite from evite.com, and Punchbowl from punchbowl.com, not a personal email address.

Protecting your wealth starts with protecting the email tied to it. Hope this helps!

07/08/2026

Markets posted solid second-quarter gains as investors responded to upbeat economic reports, continued diplomatic efforts in the Middle East, and strong first-quarter corporate numbers. The S&P 500 rose 14.87%, the Nasdaq gained 21.41%, and the Dow picked up 12.90%, while Canada’s S&P/TSX Composite added 6.37%. Looking ahead, markets may continue to react to Middle East updates, oil prices, inflation trends, and the pace of global commerce through the Strait of Hormuz. From U.S. home price growth to Canadian housing forecasts, this quarter’s by-the-numbers highlights the data behind one of North America’s most closely watched markets.

Quarterly Market Insights | July 2026 U.S. and Canadian Markets Stocks saw solid gains in the second quarter, riding a wave of enthusiasm over upbeat economic reports, ongoing diplomatic efforts in the Middle East, and strong first-quarter corporate numbers. The Standard & Poor’s 500 Index rose 14...

07/03/2026

This 4th of July is a milestone year! 🗽

It’s our nation's 250th birthday.

Hope most of you are enjoying a long weekend celebrating this historic anniversary.

From our family to yours, wishing you a happy Independence Day weekend. 🎆

06/29/2026

There are so many reasons to create a will this month, but here are three big ones to consider:

Direct Your Property: Creating a will tells the courts how you want your property distributed. Without a will, state laws will determine how your estate is divided, which may not align with your intentions.

Provide instructions to the probate court: A will can help manage the probate process, providing instructions to the court.

Designate Guardianship for Minor Children: If you have minor children, a will allows you to appoint a guardian to care for them. This crucial step directs that your children are raised by someone you trust, rather than leaving the decision to the courts.

06/29/2026

Who knows what the “GPT” in ChatGPT actually stands for?

I'm guessing very few people.

And that's fine, most of us just know it as something that's suddenly everywhere.

If you’re curious, it stands for Generative Pre-trained Transformer.

As you know, it creates new content, learns from an enormous amount of text, and understands context rather than just keywords.

But the more interesting question isn't what it stands for. It's what to actually make of it and how it will affect our lives.

AI is genuinely useful for organizing information, finding patterns, and explaining things quickly. It can be a big timesaver.

What it isn't good at is knowing you—your family, your goals, the tradeoffs that matter to you, and the context behind the numbers.

That's the part that still requires a person.

We're not AI experts. But paying attention to what our clients are hearing, reading, and wondering about is part of the job. If we can help make something feel a little less unfamiliar, that's worth doing. 🤝

Tell the truth, did you know what it stood for? Or are you like most of us, and you don’t care, you just like what it can do?