Chris Ward

Senior Wealth Advisor | Portfolio Manager

[Chris Ward @ChrisWard_91]

Major oil companies stand to gain billions as surging energy prices driven by the Iran conflict deliver a massive windfall.

Source: https://t.co/BNppAc30rF

[Chris Ward @ChrisWard_91]

Joe Wiggins recently shared a timely piece, “One Risk After Another,” (linked below) that speaks directly to what many investors may be feeling right now.
Given the current geopolitical backdrop, the core message is simple—and especially timely for client conversations right now:

•Markets are always climbing a “wall of worry” – risks rarely disappear; they simply rotate (inflation → rates → geopolitics → growth), and markets continue to function through that cycle.

•Headline risk ≠ portfolio risk – geopolitical events (like current Middle East tensions) tend to dominate news flow but are often short-lived in terms of long-term market impact.

•Investor behavior is the real risk – reacting to each new risk (selling, de-risking, or timing markets) is far more damaging than the risks themselves. This is a consistent behavioral pattern.

•Uncertainty is permanent, not episodic – successful investing isn’t about waiting for clarity; it’s about staying invested despite a constantly evolving risk environment.

•Portfolio construction matters more than prediction – diversification and discipline are the only reliable tools to navigate overlapping risks and shifting market narratives.

There is always “one more risk.” As a Wealth Advisor and Portfolio Manager, my job isn’t to eliminate risk, but to build portfolios that can withstand it—while helping clients stay disciplined and avoid reacting to noise.

https://t.co/o26jDuVpHR

[Carson Investment Research @CarsonResearch]

Is the news scary right now? Yes.

But when it comes to the markets, sentiment is often a rubber band. And right now, it is stretched to the absolute limit of fear.

Here are 11 reasons why we think it's time to remain bullish. 📈

🧵

[Seth Golden @SethCL]

It NEVER EVER pays to be negative/pessimistic.

Market is not 🚫economy. A recession may loom, but by the time the NBER has announced it, $SPX has gained an average of 61% off the low, since 1980.

If you wait for the all clear signal, all you accumulated was opportunity costs.

$ES_F $SPY $QQQ $IWM $NYA $VOO $VIX $NDX

[Chris Ward @ChrisWard_91]

Will The January Effect Take Hold for 2025?

Some market stats for your Monday morning.

A positive market return in January bodes well for 2025 guidance. When returns are positive in January, Mr. Market is positive for the remaining 11 months 84% of the time with an average gain of 12%. What’s even more interesting? If you strip out the years where January was positive following a 20%+ year return, the remaining 11 months of the year were positive 100% of the time with an average return of 15%.

Now, we do have lots of headline risk with Trump this year, but strong statistics on our side can help give a little bit of comfort.

#investing #2025investments #WealthBuilding #wealthplanning

[Chris Ward @ChrisWard_91]

I wanted to share this as it provides a good summary on probate considerations and the sharing of assets with your children. It starts with a transparent conversation and from there, should include consulting with your wealth advisor and lawyer to ensure everything is structured properly!

#WealthAdvisory #Estateplanning #FinancialPlanning

https://t.co/ACinXG0v3M

[Chris Ward @ChrisWard_91]

The Bank of Canada has lowered its key interest rate to 3.75%—marking the first 50-basis-point cut since the COVID-19 pandemic. For more market insights, contact us.

Source: https://t.co/a0ip91EoPK

[Chris Ward @ChrisWard_91]

With the 2024 US election upon us, it's key to remember that market performance often transcends political outcomes. Stay focused on your long-term investment goals versus short-term election noise.

Continue reading below!

#Election2024 #InvestmentStrategy #WealthPlanning #WealthAdvisor #Investing

https://t.co/GubPjbWauO

[Chris Ward @ChrisWard_91]

Where do we go from here?

Although a rocky start to the month, North American indices are looking to close in the green for September – this hasn’t happened since 2019.

If we narrow in on the S&P500 Index (SPX) and look at 14 other years where the index gained 15% or more in the first three quarters, we see that the median gain in the fourth quarter was 5.44% and positive 11 out of 14 times.

So historical stats are on our side, but it’s not lost on us that we have a US election in a little over a month that undoubtedly will cause some volatility, but we view those potential sell offs as opportunities.

Happy Monday!

#stockmarket #SPY #investing #wealthplanning #wealthadvisor

[Chris Ward @ChrisWard_91]

A timely topic with back-to-school in full swing. A Registered Education Savings Plan (RESP) is an essential tool for families to save for a child's post-secondary education, benefiting from tax-deferred growth and government grants.

Click below to further read why they are important and how they can be a useful tool for your Wealth Plan!

#RESP #WealthPlanning #WealthAdvisor #EducationSavings

https://t.co/Qc3GFsnUfk

[Chris Ward @ChrisWard_91]

Great chart that summarizes the forward returns over the past 30 years. Decades like 2000 are tough for investors and this is why it’s important to have an Advisor with their hands on the wheel, guiding you through market cycles.

We can also see that the long term returns are fairly smooth so I may sound like a broken record here but don’t get caught up in the noise, focus on the long term.

Happy Wealth Building!

#WealthAdvisor #WealthPlanning #Markets #Investors

https://t.co/xtSaSqsvnR

[Chris Ward @ChrisWard_91]

At the heart of what we do, Financial Planning is the most important aspect of having a Wealth Advisor. Yes, Investment Management is important but it’s meaningless if there is no plan in place.

This article showcases why we chose Canaccord, they invest in key software for us to service our clients!

#WealthPlanning #FinancialPlanning #WealthAdvisor #FinancialAdvisor

https://t.co/hPGWUi3tR8

[Chris Ward @ChrisWard_91]

The significant rise in housing prices has shifted how some view retirement, particularly regarding reliance on home equity and supporting younger generations in purchasing homes.

At Wyder Wealth Partners, we help clients navigate these complex decisions by carefully considering the financial and emotional impacts while planning for contingencies.
Read more below!

#WealthAdvisor #WealthPlanning #RetirementPlanning #CanadianHousing #HousingMarket

https://t.co/ZVJ0jC5xgA

[Chris Ward @ChrisWard_91]

🔄Rebalancing your portfolio is crucial for maintaining your investment strategy, controlling risk, and ensuring long-term growth📈

In this blog, we dive into the benefits or rebalancing and how it’s utilized for our clients. Click below to read on!

#wealthadvisor #wealthplanning #investments #portfolios #portfoliorebalancing

https://t.co/gxsg6wtqcS

[Chris Ward @ChrisWard_91]

Good summary showcasing the state of US Consumers. There is disparity here compared to Canada but you can see why a recession in the US doesn't seem as imminent. "Consumers make up ~70% of the U.S. economy"

#wealthadvisor #financialadvisor #investments #usconsumer #useconomy #markets

https://t.co/1QwYsA1biI

[Chris Ward @ChrisWard_91]

Investing vs. Mortgage Lump Sum Payment

Topical subject as of late so I thought it would be good to go through an example and get to the bottom of it!
Read on below:

https://t.co/u147TgNyLF

#wealthadvisor #Investing #mortgage

[Chris Ward @ChrisWard_91]

🔒🧠 Incapacity Planning: Protect Your Future and Peace of Mind! 💼👪

Incapacity planning is crucial to ensure your personal and financial well-being is managed according to your wishes if you're unable to make decisions independently; it protects your assets, prevents delays in critical decisions, and provides peace of mind for you and your loved ones​​.

Read on below to learn why this is an important aspect of your wealth and estate planning strategy!

#wealthadvisor #wealthmanagement #estateplanning #wealthplanning #financialplanning

https://t.co/lmZQy8GQjG

[Chris Ward @ChrisWard_91]

Sure, shorter term we could see some bouts of volatility but the data is certainly on our side to support a good end to the year!

“S&P 500 up double digits at the midpoint of the year — full year never lower and up +25.1% on average.”

“Rest of year up average +7.7% (median +9.8%) and higher nearly 83% of time.”

#wealthadvisor #stockmarket #investing

DISCLAIMER: Investing in equities is not guaranteed, values change frequently, and past performance is not necessarily an indicator of future performance. Investors cannot invest directly in an index. Index returns do not reflect any fees, expenses, or sales charges.

[Chris Ward @ChrisWard_91]

Capital Gains Inclusion Rate

As many know, recent changes to the capital gains inclusion rate came into effect June 25, 2024. Individuals with gains exceeding $250,000 will now face a 66.67% inclusion rate, impacting one’s tax liabilities so make sure and plan accordingly.

Read more below!

#wealthadvisors #financialadvisor #wealthplanning #taxplanning #investmentplanning

https://t.co/EPLwBwByl5