Dear Younger Fred
18 Things I Wish You Understood Earlier
Last week, Madelaine and you celebrated 18 years together.
Financial Insights
Co-Own a Business? The Case for a Shareholders' Agreement
Co-owning a business can work well — until circumstances change. If you co-own a business with family members or other shareholders, do you know how you would handle the unexpected?
Dear Younger Fred
Some of the Best Moments Cost Nothing
We spend so much of adulthood thinking the memorable moments need to be created. The big vacation. The perfect birthday. The expensive experience.
Financial Insights
RESP Options: What If My Kid Doesn't Go to University?
Whether they're considering university, a skilled trade, a training program, or no post-secondary education at all, where does your child's Registered Education Savings Plan (RESP) fit into their fut…
Dear Younger Fred
The Best Return $29.95 Can Buy
You can talk yourself out of almost anything with a cost-benefit analysis. Don't buy the flowers, they'll only die. But fulfilment isn't a science, and some of the best returns in life never show up on a spreadsheet. About $29.95 every two weeks, roughly.
Reflections
Why Ride On 2026 Stayed With Me
In only its second year as a one-day event, Ride On raised over $1 million for cancer research, with 100% going straight to the cause. Our B.C. TD team of 30 riders raised over $76,000. Here is what hearing about 20 years of progress made me think about.
Dear Younger Fred
That's Not You... Yet
Six years ago you said yes to a charity ride you had no business joining. No bike, no gear, no clue what you were doing. It taught you that "that's not me" usually just means "not yet," and that we don't discover who we are so much as build it.
Financial Insights
Do You Have a Will?
Half of Canadians say they don't, according to a 2023 study from the Angus Reid Institute.
