David Ritcey, Senior Wealth Advisor, Portfolio Manager

10/23/2026

How can we make family conversations about wealth more meaningful?

You're invited to join Kim Lear, Generational Researcher, and Michael Sherman, Managing Director, Behavioural Economics, Scotia Wealth Management, to explore how generational experiences shape our views on wealth, responsibility and legacy.

Register today: https://weave.bespokeav.ca/webcast/registration/55643b79-4058-42a7-894d-bd272d830598

10/22/2026

If your child is enrolled in a post-secondary education program this year, it’s time to consider withdrawing from your Registered Education Savings Plan (RESP).

This checklist outlines which post-secondary educational programs would qualify and can help you determine how and when to draw on the available funds.

https://ritceywoodworth.com/resp-withdrawal-checklist-3/

If your child is enrolled in a post-secondary education program this year, it’s time to consider withdrawing from your Registered Education Savings Plan (RESP). This checklist outlines which post-secondary educational programs would qualify and can help you determine how and when to draw on the av...

10/21/2026

Looking for ways to make your family’s wealth work more efficiently?

A prescribed rate loan strategy may offer an opportunity to split investment income with family members in lower tax brackets, potentially reducing your family’s overall tax liability.

Learn how this strategy works and the key tax planning considerations to keep in mind. Read the full article on our website.

If you have accumulated wealth and family members with little or no taxable income, a prescribed rate loan strategy may be one way to support your family’s tax planning.

10/19/2026

Canadian equities returned 2.96% as early gains in energy faded on rising yields after the U.S. inflation reports, before a sharp Thursday rebound helped recover some of the midweek losses.

Check out the latest market commentary from Scotia Wealth Management on our website.

Market highlights Chip selloff and hot inflation data test risk appetite Inflation surprise and haven demand pull yields in both directions Economic highlights Canadian activity holds up unevenly as inflation risks persist U.S. inflation rebounds as energy surge lifts consumer, producer prices Euroz...

10/16/2026

When someone at a party mentions an investment they’ve just made and says, “My hope is that I’ll do very well with it,” most seasoned investment professionals would have good reason to be sceptical.

Why? Because hope is not an investment strategy. Evidence and reason are important considerations when making investment decisions. But what about a stock whose future performance is assessed based on the expectations already reflected in its price?

Learn more on our new blog.

When someone at a party mentions an investment they’ve just made and says, “My hope is that I’ll do very well with it,” most seasoned investment professionals would have good reason to be sceptical. Why? Because hope is not an investment strategy. Evidence and reason are important considerat...

10/15/2026

The dot-com era market bubble was a historic speculative boom and crash driven by extreme hype over internet-based startup companies. Investors poured money into any company with “.com” in its name, often ignoring traditional business metrics like profit or positive cash flow.

Read more on our blog.

Many of you will be familiar with the so-called dotcom era – roughly 1995 – 2000. It was a period of intense speculation, massive venture capital investment, and the rapid growth of internet-based startups. The dot-com era market bubble was a historic speculative boom and crash driven by extreme...

10/15/2026

Here’s the problem: Convenience comes with a price. Frictionless spending removes all physical and emotional barriers to parting with your money. While apparently seamless, frictionless spending is a species of cognitive sleight-of-hand.

Read more on our blog.

There’s a new kid on the block and its name is “Frictionless Spending.” It can make spending remarkably easy — sometimes with a degree of abandon reminiscent of rolling dice at a table in Las Vegas. The stakes can be high, particularly when convenience makes it easier to spend without giving...

10/14/2026

Earning investment income through a corporation can come with important tax considerations for business owners.

From corporate tax rates to the potential impact on the Small Business Deduction, understanding how passive investment income is taxed can help you make more informed decisions about your business and personal wealth.

ABI is earned from active business operations. Passive investment income generally includes interest, rents, royalties, foreign and Canadian dividends, and capital gains earned from investments in property. Any reference throughout this article to an Opco or Holdco is to a CCPC. For more information...

10/13/2026

Canadian equities returned 0.48% as strong trade data and growth-sector gains supported sentiment, though rising yields, commodity volatility and weaker labour data increased expectations of a more dovish Bank of Canada.

Read the latest market news from Scotia Wealth Management - it’s on our website now.

Market highlights AI optimism gives way to rising yield concerns Bond markets whipsawed by inflation and policy signals Economic highlights Canadian labour market softens further in September U.S. trade deficit widens sharply as services sector continues to expand Eurozone retail sales edge higher a...

10/12/2026

Happy Thanksgiving from the Ritcey Woodworth Advisory Team!