by Jeffery A. Keill, CFP, CIM, FMA, FCSI, CEA Teri and I had the luxury of travelling to Scotland a few years ago. The journey was made great by the people we met, the people we journeyed with, and of course the “Water of Life”- also known as Whiskey or Whisky (the spelling depends on where you live and so I will write this interchangeably not to offend Scotches, Bourbons, and our own Canadians). The funny thing about whiskey, no matter where it is from, it takes only three i

by Jeffery A. Keill, CFP, CIM, FMA, FCSI, CEA In a 1675 letter from Isaac Newton, we get this popular expression:  “if I have seen further (than others) it is by standing on the shoulder of giants”. Every success story, however one may define success, stands atop of giants. The giants are mentors- often gentle, quiet, and stoic. Knowingly or unknowingly, many of these Giants in our lives never know the impact they had on us or others. To me, that is a great shame. Left unglor

By Jeffery A. Senior Wealth Advisor, Portfolio Manager, CFP, CIM, FMA, FCSI, CEA The media and it’s cycle of the illusion of urgency are relentless, regardless if it's from the traditional media formats like radio, tv,  print or the newer broadcasts of TikToks, influencers and other non-traditional news sources. Players in this space are forever vomiting information or misinformation, knowingly, out of ignorance, or worse - for some nefarious purpose. From morning talk shows

By Jeffery A. Keill Senior Wealth Advisor, CFP,CIM,FMA,FCSI, CEA Money flows in and out of our lives. We breathe in earnings and we exhale expenses. At a very fundamental level money is a store of value earned by individuals in exchange for their time, sweat, and skill. Once we make this exchange of our resources to earn money, we then need money to redeploy to cover our needs. Breathe in, breathe out. Food, clothing, shelter, transportation, and all the other items in our l

by Jeffery A. Keill CFP, CIM, FMA, FCSI, CEA Successful investing isn’t about intelligence; it’s about wisdom. It is not about  getting the right stock tip: it’s about getting the right investment advice. It’s not about picking the right stock but rather adhering to the right mindset. As many of our clients have heard me say- we are in the Relationship Business as much as we are in the Money Business. I want to talk about one of the most pervasive psychological traps investor

by Jeffery A. Keill CFP, CIM, FMA, FCSI Everyone has heard the phrase ‘those who fail to learn from the past are bound to repeat it’..... Well, get ready to watch the next round of investors make the same mistakes as they always have, and will continue to do for eternity. The financial markets are one arena where history repeats itself, not only with much drama but also quite often, and yet people seem to forget past events just as quickly - short-sighted and blind to history

by Jeffery A. Keill CFP, CIM, FMA,FCSI Want to get your 2026 off to a great start? A financially strong start? During the first weeks of January many people find time to reflect on their mental health and wealth. New year beginning tends to lead us to want to, well, start new beginnings else where in our lives. Make changes and slight course corrections. One that we hope more people take is some time to do this for themselves. This is a good thing. Change what you do will cha

by Jeffery A. Keill CFP, CIM, FMA,FCSI Here I sit scribbling out gift ideas for people in my family, office, and all the others that I intend to surprise with some notion of endearment and friendship. I have three weeks to go! I am ahead of it this year! Everyone’s gift will be amazing. No more novelty mugs this time! Have you been in my shoes before? Christmas. Seems to be a magical time of year for many because their bank account magically disappears. Why? Why do we keep do

by Jeffery A. Keill CFP, CIM, FMA,FCSI Are you Going Broke Safely? The affects of Tax-flation, that is the combined financial erosion of your wealth generally results from disconnected emotions of short term safety from the truths concerning long-term wealth creation. The irony of this is staggering. By letting emotions control our decisions, play it safe, ultimately you are most likely to experience failure in the long run. Walking to Cuba is safer than flying (so some would

by Jeffery A. Keill CFP, CIM, FMA,FCSI In the past few months, I have been made to feel like a social stranger to the new world of post covid tipping practices. Am I the only one? Does anyone else feel like a disconnected member practicing the social grace of tipping recently? Let me explain for those who do not harbor the same strange feeling of society’s over-reach for what’s inside our wallets in what we call ‘tipflation’. The history of gratuity or tipping goes back to an

by Jeffery A. Keill CFP, CIM, FMA, FCSI Financial Freedom: oh you wonderful concept of excess and stressless living. Financial Freedom an often touted target of the financial industry- likes to proclaim as the highest achievable financial goal. The oasis. The fruitful garden of paradise. Beware the asp lurks behind the green shrubbery within its cool waters. Financial freedom is an intuition pump that persuades us that being wealthy is what every person should strive for. It

by Jeffery A. Keill CFP, CIM, FMA, FCSI I love to walk along the beach. Soft wet sand under my bare feet and the waves creeping with a soothing cadence. Every now and then we will play in shallows by splashing around or throwing a football or frisbee. It is one of the greatest frolics in life although not without risk. Mother’s often will be heard telling their children to not go too far into the water. I often use the beach as a good example of the effects on debt. Many of u

If you have ever visited our office you may well have seen the picture of a dancing Snoopy. This picture has been in my life since high scho

Mastering Taxation: Unveiling the Westminster Principle Leave it to the Brits to make taxation fun.

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