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AI Crypto Arbitrage Trading: Explained Simply & Clearly
What is Crypto Arbitrage? Crypto arbitrage is the strategy of buying a cryptocurrency on one exchange at a lower price and...
Anthony Dumas
2 min read


Harvest Diversified High Income Shares ETF (TSX: HHIS)
1. What exactly is HHIS? One-ticket access to 15 “enhanced” single-stock ETFs. Each underlying ETF owns just one U.S. blue-chip growth...
Anthony Dumas
3 min read


My thoughts on XEQT and VEQT
1) What exactly are XEQT and VEQT? XEQT – iShares Core Equity ETF Portfolio VEQT – Vanguard All-Equity ETF Portfolio Sponsor / Inception...
Anthony Dumas
3 min read


Short-Term Financial Strategy for Life Transitions - Why You Shouldn’t Go It Alone
Major life transitions — parental leave, a sabbatical, starting a business, or taking a career break — often involve short-term financial...
Anthony Dumas
1 min read


The Short -Term Savings Trap - Why DIY Plans Often Derail
One of the most common short-term financial goals I hear from clients is: "I want to save up for X in 6-12 months." It could be a...
Anthony Dumas
2 min read


Short-Term Financial Planning - Why ‘Figuring It Out Later’ Costs More Than You Think
When people think about financial planning, they often picture retirement, investments, and long-term savings. But the reality is that...
Anthony Dumas
2 min read


Financial Coaching vs. Going Solo - Why Accountability Creates Results
In theory, managing your own finances sounds simple: track spending, invest monthly, review once in a while. But in practice? Most people...
Anthony Dumas
2 min read


Consistency Over Complexity - Why Financial Coaching Wins in the Long Run
You don’t need a complex financial strategy to succeed. You need a consistent one — and someone to help you stick to it. That’s the role...
Anthony Dumas
2 min read


Financial Coaching Isn’t a Luxury - It’s a Subscription That Pays You Back
In an age where people willingly spend $20 a month on streaming, $40 on subscription boxes, or $100+ on convenience services, ongoing...
Anthony Dumas
2 min read


Budgeting for Growth — Why Good Cash Flow Is the Foundation of Wealth Building
Wealth doesn’t come from income alone — it comes from what you keep and how you use it. Even high earners often fail to build wealth...
Anthony Dumas
1 min read


Debt Cycles and Paycheck Paralysis — What Poor Cash Flow Management Really Costs
When budgeting fails or is absent entirely, one of the most common consequences is chronic debt . This isn’t just about overspending —...
Anthony Dumas
1 min read


The Invisible Money Leak — Why Budgeting Isn’t Just for Low Earners
Many people associate budgeting with financial hardship — as something you only do when money is tight. But the truth is, poor cash flow...
Anthony Dumas
1 min read


The “Government Benefits Will Cover Me” Myth - Why CPP and OAS Aren’t Enough
Some Canadians assume that government programs like the Canada Pension Plan (CPP) and Old Age Security (OAS) will cover their retirement...
Anthony Dumas
1 min read


The “Sell the House” Strategy — Why Downsizing Alone Isn’t a Retirement Plan
A growing number of Canadians are banking on their home as their retirement fund. The logic is simple: sell the house, downsize, and live...
Anthony Dumas
1 min read


The DIY Retirement Saver - Why Going It Alone Isn't Always Enough
Many Canadians take a do-it-yourself approach to retirement, believing that with regular RRSP contributions and a few index funds,...
Anthony Dumas
1 min read


You Can't Build a Future If You Don’t Know Where You Stand
Planning for the future — whether it's retirement, homeownership, or building wealth — requires a clear starting point. Yet many...
Anthony Dumas
1 min read


Are You in Control of Your Money — Or Is It Controlling You?
In today’s digital environment, spending is almost frictionless. Subscriptions renew silently, online orders ship instantly, and credit...
Anthony Dumas
1 min read


Why Personal Finance Matters More Than You Think
Most people work hard to earn their income — yet relatively few have a clear understanding of how their money is actually being used....
Anthony Dumas
1 min read


Buying the Dip on Boring: Why REITs Deserve a Comeback in 2025
Real Estate Investment Trusts (REITs) had a rough few years, but in 2025 they’re poised for a rebound — and no one’s paying attention....
Anthony Dumas
1 min read


The Investment Strategy Canadians Are Ignoring: Global Dividend ETFs
If you’re like most Canadians, your portfolio is heavy on domestic bank stocks and maybe a few TSX ETFs. But in 2025, one of the smartest...
Anthony Dumas
1 min read
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