Life & Legacy Advisory Group

06/24/2026

Retirement planning isn’t just about how much you’ve saved, it’s about understanding how your expenses may shift once you stop working. Some costs decrease, others increase, and the ones that get missed can quietly create stress later on.

A thoughtful retirement income plan should account for real life: changing health needs, lifestyle choices, inflation, taxes, and the unexpected. The more clarity you have today, the more confidence you can carry into tomorrow.

Your expenses in retirement evolve and change from your working life and not accounting for this is usually the most overlooked part of retirement.

06/23/2026

It’s one of those retirement decisions that sounds simple… until you start looking at the details.

Taking CPP early may give you income sooner, but it can also mean smaller monthly payments for life. Delaying it may increase your benefit, but it depends on your health, income needs, lifestyle, and overall retirement plan.

There isn’t one right answer for everyone.

The key is understanding how CPP fits into the bigger picture, so you can make a decision that supports the retirement you’re actually planning for.

Have questions? Let’s talk it through.

www.lifeandlegacy.ca

06/19/2026

Involving your children in financial decisions is not always easy. The right time depends on their age, maturity, and the nature of the conversation.

When it feels appropriate, bringing them in can be incredibly valuable.

It gives them a better understanding of your wishes, your values, and the reasons behind the planning decisions you’re making. It can also give you insight into what matters to them.

Ready to start the conversation?
www.lifeandlegacy.ca

06/18/2026

Even the busiest people can make room for joy, but it usually doesn’t happen by accident.

In a world that often rewards packed calendars and constant productivity, it’s worth remembering that fulfillment is built through small, intentional choices: protecting time, being present, nurturing relationships, and noticing the moments that give life meaning.

Success is important. So is enjoying the life you’re working so hard to build.

Research suggests that to have a satisfying life, you need to regularly feel three things: achievement, meaningfulness, and joy in the moment. How well are you doing on each of those fronts?

06/17/2026

A living will helps make your wishes clear if you’re ever unable to make care decisions for yourself.

It can outline the type of care you would or would not want, and name the person you trust to make those decisions on your behalf.

It’s not always an easy conversation, but it is a loving one. Clear wishes can give your family guidance, confidence, and peace of mind during an incredibly difficult time.

Have the conversation now, while you can lead it with clarity.

06/16/2026

The best business ideas don't start with products.

They start with people.

In Episode 295 of Success Leaves Clues, Nicholas Reichenbach reveals the framework he has used across multiple industries to build and scale successful companies, from entertainment and technology to wellness and consumer brands.

His approach is surprisingly simple:

Find what consumers want.
Identify what's missing.
Build the product that fills the gap.

That thinking helped him transform Flow Water from an idea inspired by a mountain of discarded plastic bottles into a brand found in more than 46,000 stores across North America.

We talk about:
➡️ How to spot market opportunities before everyone else sees them
➡️ Why timing matters more than most founders realize
➡️ The power of consumer insight in building winning brands
➡️ What entrepreneurs can learn from the success of Flow Water
➡️ Why innovation begins by paying attention

"If I was five years earlier, it wouldn't have worked. Five years later, someone else would have done it."

A fascinating conversation on entrepreneurship, innovation, sustainability, and building brands people actually want.

🎧 Catch the full conversation on Success Leaves Clues.
🔗 Listen here: https://ow.ly/AbrP50ZayFU

06/15/2026

It’s never too early to give your future self a head start.

Compound growth works best with time. The sooner you start saving and investing, the more opportunity your money has to grow on top of what you’ve already built.

You don’t need to have it all figured out. A thoughtful financial plan can help you make the most of today’s opportunities while building toward tomorrow’s goals.

Ready to take the next step? Let’s talk.

06/12/2026

Long-term financial planning becomes clearer when you know the goals you’re working toward.

Some people want to make the most of their wealth during their lifetime. Others feel strongly about creating a meaningful legacy. For most, it's a little of both.

There is no one right answer. But knowing your goals can help guide the investment, retirement, and estate planning decisions you make today.

Let’s talk about what your money is meant to do for you. www.lifeandlegacy.ca

06/11/2026

Most entrepreneurs are building companies to sell.

Nicholas Reichenbach thinks that mindset might be part of the problem.

In Episode 295 of Success Leaves Clues, the founder of Flow Water shares why he believes the next generation of leaders should focus less on exits and more on building businesses that create lasting value for employees, communities, customers, and future generations.

After raising more than $250 million and building Flow into one of North America's leading sustainable beverage brands, Nicholas is now focused on something even bigger: legacy.

We talk about:
➡️ Why conscious capitalism is becoming a competitive advantage
➡️ The difference between building a company and building a legacy
➡️ How entrepreneurs can create long-term prosperity instead of short-term wins
➡️ Why purpose and profit don't have to compete
➡️ What founders often get wrong about success

"The mission isn't the exit. The mission is building something that lasts."

A powerful conversation about leadership, entrepreneurship, and what success really means.

🎧 Catch the full conversation on Success Leaves Clues.
🔗 Listen here: https://ow.ly/6GyE50Z9WBk

06/10/2026

When the time comes for assets to transition, your loved ones may already be navigating grief, uncertainty, and a long list of decisions. Clear planning can help reduce confusion, avoid unnecessary pressure, and give your family a stronger sense of direction.

It is worth thinking through the details now:
💚 How will the transition affect them?
💚 Will they know what to do?
💚 Have you made things as clear and low-stress as possible?

A thoughtful plan can help protect more than wealth. It can help protect your family’s peace of mind.
Let’s talk about making your legacy plan clear, practical, and centred around the people who matter most. www.lifeandlegacy.ca