Paul Polyviou CFP, CLU, CIM

Paul Polyviou CFP, CLU, CIM THE SIMPLE CHOICE FOR COMPLEX FINANCIAL MATTERS. Helping you achieve your goals - one step at a time. www.financialguardian.ca

Since 2003, I have defined personal financial planning as a process of determining an individual’s or family’s financial goals, purpose in life, and life’s priorities. After considering their resources, risk profile, and current lifestyle, a detailed and realistic plan is prepared to help meet those goals. My designations as a Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), an

d Chartered Investment Manager (CIM) reinforce my ability to provide ongoing comprehensive financial planning advice in the areas of investing, retirement, tax, insurance, and estate planning. By specializing in these, I am better positioned to assist my clients in achieving their financial objectives. My team and I strive to ensure excellent service is received by all clients and seek to educate and provide timely information on a consistent basis.

Happy Father's Day!
06/21/2026

Happy Father's Day!

The S&P 500 has now spent 52 consecutive weeks with its 10-week moving average above its 40-week moving average ... Unti...
06/18/2026

The S&P 500 has now spent 52 consecutive weeks with its 10-week moving average above its 40-week moving average ... Until that changes, the trend deserves the benefit of the doubt.

Since 1928, the S&P 500 has suffered a daily loss of at least 2.5% within three trading days of a record high only 12 ti...
06/09/2026

Since 1928, the S&P 500 has suffered a daily loss of at least 2.5% within three trading days of a record high only 12 times ... Only one instance led to a decline exceeding 10% from the prior high—the COVID-19 selloff, which was driven by an unprecedented global economic shutdown.

The CRA owes money to thousands. Here’s how to check if you have a cheque waiting.
06/09/2026

The CRA owes money to thousands. Here’s how to check if you have a cheque waiting.

Personal finance contributor Christopher Liew explains how to check if you have an uncashed CRA cheque, and how to avoid it from happening again.

Cyclically Adjusted Price-to-Earnings (CAPE) ratio- Structural changes in the equity market have diminished the utility...
06/08/2026

Cyclically Adjusted Price-to-Earnings (CAPE) ratio- Structural changes in the equity market have diminished the utility of comparing current valuations to historical norms ... An index with a high weight of cyclical sectors tends to have a lower multiple compared to indices where the composition tends to be heavy in growth and defensive sectors.

Central banks vs. gold- Central banks resumed net gold purchases in April, having bought 17t. This was a rebound from th...
06/05/2026

Central banks vs. gold- Central banks resumed net gold purchases in April, having bought 17t. This was a rebound from the sizeable net sales reported in March.

Retail sentiment- Schwab Retail Client Sentiment Survey Q2 2026: 58% are bearish US stocks. This is a healthy sign whic...
06/03/2026

Retail sentiment- Schwab Retail Client Sentiment Survey Q2 2026: 58% are bearish US stocks. This is a healthy sign which should support the market.

Wealth building starts with small, consistent habits. Here’s how young Canadians can save, invest and grow their net wor...
06/02/2026

Wealth building starts with small, consistent habits. Here’s how young Canadians can save, invest and grow their net worth over time.

Wealth building starts with small, consistent habits. Here’s how young Canadians can save, invest and grow their net worth over time.

What inflation, investment return, and life expectancy assumptions should Canadians use for retirement planning? Here’s ...
05/26/2026

What inflation, investment return, and life expectancy assumptions should Canadians use for retirement planning? Here’s what financial planners recommend.

What inflation, investment return, and life expectancy assumptions should Canadians use for retirement planning? Here’s what financial planners recommend.

Regardless of what you are saving for, a Tax-Free Savings Account (TFSA) is a great way to save for any financial goal –...
05/21/2026

Regardless of what you are saving for, a Tax-Free Savings Account (TFSA) is a great way to save for any financial goal – a long-term goal such as retirement or a short-term goal such as a car or a vacation. Did you know: if you’ve never opened a TFSA, you can contribute up to $109,000 today?*

Regardless of what you are saving for, a Tax-Free Savings Account (TFSA) is a great way to save for any financial goal – a long-term goal such as retirement or a short-term goal such as a car or a vacation.

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