Joe Sardo, CFP, CIM🇨🇦

Over 30yrs experience helping Professionals & Business owners achieve financial goals. |CFL Alumni |U of Hawaii

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

Wow! Age 40 for first time home buyers. Not sure of confirmed Canadian data but I believe that it is similar. What have we done to our younger generation.
@ronmortgageguy

[Rick Rieder @RickRieder]

CIO Charts of the Week: Housing affordability continues to be very strained, particularly for the young and lower-income cohorts who are disproportionately being shut out of the housing market as first-time home buyers. Today median age of a first-time homebuyers is 40 years old, up from 33 years old in 2019!

[Carrie Presley @carriepresley]

Tom Lee @fundstrat at @RBC Portfolio Management Conference sharing his outlook for 2026 📈🎯

“Wall of Skepticism + New Fed
S&P 500 Year-end: 7,700”

@FundstratCap @fs_insight

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

For those that believe in market cycles. We still may have a way to go….

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

Getting harder for CFL teams to recruit US Players (and coaches) as below...BUT also they lose 30% on the currency then another 40ish% in our tax system. Does not leave much after rent and expenses to take home to a family in the USA or offseason spending money. Better to wait it out or they come here for the hope of a NFL tryout.

[Dave Naylor @TSNDaveNaylor]

This speaks to how I’ve heard CFL people talk about this becoming an older league in terms of players. A lot of US guys don’t come after college anymore. They come after NFL PR and spring leagues and waiting by the phone …

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

Another reason for current market valuations and need for lower rates (Deflation?):
Real estate titan Barry Sternlicht says he will ‘have to’ drop employees in favor of AI ----"I think we have to let people go, Jobs of 15 people can be done with a chatbot that costs me $36 a month. "

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

bookmarked --to revisit in 5 years --will be interesting.

[Nate Geraci @NateGeraci]

Vast majority of investors in BofA global fund manager survey have *zero* crypto exposure…

Of small % who do have exposure, average portfolio allocation = 3.2%.

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

Recession probability dropping. Lets hope for a soft landing with all the tariff talk moving into the rear view mirror.

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

.@DwntwnHamBIA

[JOSH DUNLAP @JDunlap1974]

President Trump : "My father always used to tell me...'Son, when you walk into a restaurant & you see a dirty front door, don’t go in. Because if the front door is dirty, the kitchen is dirty also.'...If our capital is dirty, our whole country is dirty."

[Peter Mallouk @PeterMallouk]

Bear markets pale in comparison to bull markets, both in market movement and duration. A good reminder for every long-term investor.

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

This is why home prices in 🇨🇦 went up and could stabilize for a while. Can builders reduce prices without losses? -- doubtful is my guess.

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

Who is going to power these AI data centres?
The data centres require enormous amounts of electricity to operate, driven by the power-hungry computer chips they use. For example, Meta’s building a data centre in 2026 called “Prometheus.” It will require the equivalent amount of power of every home in Ottawa.

[Coach Joe @CoachSardo]

Relationships last forever
Special group of people 🏆
#teamted

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

@NashvilleFSD @AmazonAlexa In canada as well.

[Ryan Detrick, CMT @RyanDetrick]

The 2009 bull market had a near bear market during the middle of year 3.

This current bull market had a near bear market in the middle of year 3.

👀👀👀👀

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

Canadian Potash very important to US farmers.

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

At least for now the markets think this is a negotiation strategy not a Tariff trade war. As I posted earlier...consumer confidence is at extreme levels.
Source: @fundstrat

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

To help illustrate the benefits of remaining invested, the chart below shows six hypothetical investment experiences in the S&P 500 (CAD) over the past 20 years. For illustrative purposes, this would include staying fully invested over the period as well as stepping out of the markets and missing 10 or more of the best market days over that 20-year period.

[Joe Sardo, CFP, CIM🇨🇦 @realJoeSardo]

The markets are trying to tell the USA something....The Tariffs help who? Nobody will win in the end.

https://t.co/44eQQuIRMr via @markets