Joseph Wagner

08/11/2026

Most people carry critical illness coverage through work and assume they're covered. The problem is that "covered" and "covered enough" are two very different things. A group plan capped at $25,000 or $50,000 sounds reassuring until you're facing months away from work, mounting medical costs, or a business that still needs to run without you at the wheel.

I just published a new piece on why a critical illness top-up is worth a serious look, whether you're an employee relying on group benefits, a parent trying to protect household cash flow, or a business owner whose absence would directly hit the bottom line. It walks through where the gaps typically show up and what a top-up actually solves.

Worth five minutes, especially if the last time you checked your coverage was the day HR handed you the benefits booklet.

Read it here. https://prosperityfs.ca/why-a-critical-illness-insurance-top-up-could-make-a-big-difference/

Why a Critical Illness Insurance Top-Up Could Make a Big Difference by Prosperity Financial Solutions | Aug 6, 2026 | Blog, business owners, critical illness insurance, Family Most of us don’t expect to face a serious illness in our lifetime. But the truth is, health challenges such as cancer, hea...

08/10/2026

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08/04/2026

For most of your working life, one question sits at the center of financial planning: how much have you saved?

Retirement quietly changes that question.

The number that once felt like the finish line turns out to be the starting point for a much more specific problem: how do you turn what you've built into income that lasts as long as you do?

That shift trips up more people than you'd think, including some who did everything right on the saving side.

For most of your working life, one question sits at the center of financial planning: how much have you saved? Retirement quietly changes that question. The number that once felt like the finish line turns out to be the starting point for a much more specific problem: how do you turn what you've bui...

07/27/2026

There's a story we tell about people who are good with money.

We assume they see around corners the rest of us can't.

They don't. What they've usually built is something more ordinary, and far more useful.

A way of making decisions that doesn't depend on knowing what happens next.

Most of us assume that confident, successful people got that way by guessing right more often than everyone else. They read the market correctly.

07/22/2026

Most people assume successful financial planning comes down to finding the perfect decision.

After years of doing this work, I have found the opposite is usually true.

The clients who make the most progress are not the ones who never get it wrong. They are the ones who keep making thoughtful decisions and adjusting as they go.

Here is why letting go of “perfect” might be the smartest financial move you make this year.

Read this week’s issue of Clear Direction on LinkedIn:

https://www.linkedin.com/pulse/right-financial-decision-isnt-always-perfect-one-wagner-cfp-chs-6y4df/

You can also subscribe there to receive future issues.

There's a quiet pressure that shows up around big financial decisions. A sense that somewhere out there is the correct answer, and if you just think about it long enough, or gather enough information, you'll eventually find it.

07/04/2023

Check out my latest blog.

The Need for Personal Life Insurance by Prosperity Financial Solutions | Jun 30, 2023 | Blog, individuals, insurance, life insurance | 0 comments At different stages of life, the need for life insurance will vary, here’s a list of reasons for life insurance: Young Singles/Young Couples- cover off ...