Weekly Round-Up -- July 9, 2026

Happy Thursday! This week, Sandi Martin joins the podcast for a thoughtful discussion on advice-only financial planning, retirement income, high-fee mutual funds and many of the financial decisions Canadians struggle with most.

Also, Indigo has extended its 50% off in-store sale on "The Wealthy Barber" until July 19, so if you've been meaning to pick up a copy for yourself or someone else, now's the perfect time. We hope you enjoy this week's content!

PODCAST
Sandi Martin: Financial Lessons from One of Canada’s First Advice-Only Planners

Our guest this episode is Sandi Martin — one of Canada's first advice-only financial planners and a Certified Financial Planner who left retail banking to build a practice built around her values. Sandi co-founded the Financial Planning Association of Canada, co-hosted the Because Money podcast and has spent over a decade championing a simple idea: helping everyday Canadians figure out what "enough" really looks like.

In this episode, Dave and Sandi dive into the advice-only model and why she walked away from the bank to build it. They unpack the CBC Marketplace exposé on the Canadian banking industry, the aggressive marketing of lines of credit and what really happens behind the sales culture most Canadians never see. Sandi also explains her transition into the advice-only space, the early strategies she used to find clients and why she has chosen to run a solo operation rather than scale.

The conversation also explores the everyday planning questions that trip people up, from the emergency fund debate (cash savings versus lines of credit) to the RRSP versus TFSA decision and why accounts are best understood as tools rather than goals. Sandi shares her perspective on the financial nuances of divorce and partnerships, the essential role planners play in building retirement income, the often-overlooked costs of late-life healthcare and assisted living, and why high-fee mutual funds still dominate in Canada.

Whether you're rethinking who you take financial advice from or simply want a clearer, no-nonsense view of how planning actually works, this episode is packed with practical takeaways you can implement right away. Tune in now on our website, YouTube, Apple Podcasts, Spotify and all other podcasting platforms!

THROWBACK THURSDAY
3 Important Estate-Planning Tips

⏪Throwback Thursday: When was the last time you reviewed your estate plan?

“Real-life examples say these three estate-planning tips are VERY IMPORTANT. Give this video two minutes!”

SAVING
"The Wealthy Barber” is 50% Off at Indigo! In-Store Only (Extended to July 19th!)

From July 3–19, pick up “The Wealthy Barber” for 50% off at Indigo stores. If you’ve been meaning to grab a copy for yourself or someone else, this is the time.

RETIREMENT PLANNING
Why Retirement Income Planning is Vital

Dave and Sandi Martin discuss why retirement income planning is one area where professional advice can make a meaningful difference.

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