Penni Johnston Wealth Advisory

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Penni Johnston Wealth Advisory We partner with successful individuals, businesses and families to provide bespoke wealth management solutions.

10/21/2026

You don’t need a huge amount of money to start building wealth. You need time.

Building wealth does not always begin with a dramatic financial decision. It can begin with a manageable contribution that becomes part of your monthly routine.

The important question is not only how much you can invest today. It is how consistently you can keep investing while giving your money time to compound.

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The figures in this video are illustrative and assume a steady 7% average annual return over 30 years. Actual returns will vary.

10/19/2026

When you’re close to retirement, the difference between retiring this year and next year can affect several parts of your financial plan at the same time.

Working another year could mean another year of income and savings, more time before you need to draw from your portfolio, and one less year your retirement assets need to fund.

But that doesn’t mean working longer is automatically the better choice. Retirement is both a financial and personal decision. The important part is understanding what another year could actually change for your plan before deciding whether it’s worth it.

Sometimes, comparing the numbers behind two different retirement dates can give you a much clearer picture of your options.

10/15/2026

What if your biggest investing mistake is not what you bought, but when you gave up?

Market volatility can make changing course feel like the responsible choice. But a portfolio should be assessed against your goals, time horizon and financial plan, not simply against the latest headline or recent top performer.

Before reacting, ask whether your strategy has fundamentally changed or whether the market is simply testing your patience. The difference matters.

Ahead of the Thanksgiving weekend, we're grateful for another year of working alongside our clients and colleagues. Wish...
10/09/2026

Ahead of the Thanksgiving weekend, we're grateful for another year of working alongside our clients and colleagues. Wishing everyone a happy Thanksgiving from all of us at Canaccord Genuity.

10/07/2026

Your family may be avoiding one of the most important money conversations they will ever have.

Many parents feel caught between two goals: being transparent and preserving their children's motivation. They worry that talking about an inheritance could create expectations or discourage their children from building their own financial future.

Adult children feel the tension too. They may want to understand the plan, but asking can feel disrespectful or opportunistic.

Breaking that pattern does not require one large, dramatic family meeting. It can start with a simple conversation about values, responsibilities, and where to find important information.

Openness is not about telling everyone everything. It is about making sure silence does not become confusion.

Did your family discuss money openly when you were growing up?

One beneficiary designation could have a significant impact on how much of your wealth is preserved for your spouse and ...
10/01/2026

One beneficiary designation could have a significant impact on how much of your wealth is preserved for your spouse and family.

When structured properly, naming your spouse as a beneficiary of your RRSP or RRIF can create valuable tax-deferral opportunities and help preserve family wealth. For RRIF owners, designating a spouse as successor annuitant can further simplify administration while allowing the account to continue uninterrupted after death.

The challenge is that beneficiary designations are often forgotten, outdated, or not coordinated with the broader estate plan. A periodic review can help ensure your intentions are reflected and reduce the risk of unnecessary taxes, delays, or family disputes.

Have you reviewed your RRSP and RRIF beneficiary designations recently?

Explore our latest article to better understand the estate planning considerations for RRSPs and RRIFs: https://bit.ly/4jtghgg

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Follow this series every Thursday for more insights on wealth coordination.

Could the biggest retirement risk be assuming you need a fixed number?Many people spend years focused on reaching a spec...
09/29/2026

Could the biggest retirement risk be assuming you need a fixed number?

Many people spend years focused on reaching a specific savings target, yet retirement is rarely that predictable. Spending patterns often change over time, and factors such as family support, health care needs, or a later-life divorce can influence financial outcomes in ways no calculator can fully anticipate.

Rather than trying to predict every possibility, retirement planning works best when it focuses on building a flexible strategy that can adjust as circumstances change. Confidence in retirement often comes from adaptability, not just account balances.

If you’re wondering how much is truly enough, this article offers a fresh perspective: https://bit.ly/4cZFTNY

Planning isn't only about what happens to your wealth. It's about the people connected to it.Thank you to everyone who j...
09/25/2026

Planning isn't only about what happens to your wealth. It's about the people connected to it.

Thank you to everyone who joined us for the Estate Essentials Event. We had a thoughtful discussion about wills, powers of attorney, personal directives, supporting adult children, family conversations, executor responsibilities, and keeping plans current as life changes. These topics were covered throughout the presentation and supporting materials shared with attendees.

The best estate plans are often the ones that help families avoid unnecessary stress and uncertainty down the road. The goal isn't just to transfer assets. It's to provide clarity, protect loved ones, and ensure your wishes are understood.

We're thinking about future events. What estate, retirement, tax, or wealth planning topics would you like to discuss next?

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