Published by Evan Neufeld, CFP®
Invest smarter, master your money, live & give more
Listen on Apple PodcastsSend us Fan Mail On this episode of the Canadian Money Roadmap, Evan and Sam argue that markets and life change too fast to predict, so financial success depends not on timing the market but on building a diversified, evidence-based plan focused on the variables you can actually control. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail In this episode of the Canadian Money Roadmap, Evan and Sam examine common examples of bad financial advice they've encountered online and with real clients — including chasing past returns, being pressured to commute a pension into a complex insurance product, and having locked-in investments (like labor-sponsored funds and GICs) placed in accounts where money is needed by a specific deadline. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail On this episode of the Canadian Money Roadmap, Evan walks through his semi-annual "full financial picture" review process — a simple spreadsheet exercise that tracks net worth, insurance, and estate planning documents — and explains how to use it as a starting point for couples to get on the same page about their finances. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail On this episode of the Canadian Money Roadmap, Sam and Evan discuss how the markets have performed over the first half of 2026 covering how international stocks (especially South Korea) are outperforming the US, value stocks are beating growth stocks, the Magnificent Seven have stalled, and speculative assets like Bitcoin and gold have failed to act as expected hedges. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail In this episode of the Canadian Money Roadmap podcast, Evan and Sam play a game of "This or That," debating personal finance preferences across six topics: TFSA vs. RRSP, paying down your mortgage vs. investing, stocks-only vs. including bonds in your portfolio, lump sum vs. dollar cost averaging, buying vs. renting a vacation property, and leaving an inheritance vs. giving money while alive. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail This episode of the Canadian Money Roadmap explores why chasing past investment returns is a losing strategy. Hosts Evan and Sam explain that actively managed funds overwhelmingly underperform their benchmarks over time. They advocate for an evidence-based approach built on broad diversification, low costs, and factor-based investing (size, value, and profitability) aligned with a personalized financial plan. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail Nearly two-thirds of Canadian pre-retirees don't have a retirement withdrawal plan. On this episode of the Canadian Money Roadmap, Evan and Sam use a case study to show how optimizing your withdrawals during retirement can have a significant impact on your available investments and estate projection. Watch on YouTube 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail In this episode, Evan and Sam explore new research challenging the conventional wisdom of shifting to bonds as you near retirement, making the case that a globally diversified equity portfolio — tailored to your personal risk tolerance, capacity, and financial needs — may actually give you better odds of reaching your retirement goals. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail In episode 200 of the Canadian Money Roadmap, Evan reflects on how his views on financial planning have evolved over his first decade in the industry. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail On this episode, Evan and Sam propose a new savings challenge that will allow people to save over $5,000 in 100 days. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail On this episode, Evan and Sam analyze the results from their Financial Foundation Scorecard — revealing that while listeners excel at saving, budgeting, and debt management, most lack a written retirement plan and the confidence to know if they're truly on track for retirement. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail In this episode, Evan and Sam provide advice about how to help children financially during your retirement. Key point include: make sure you can afford it, communicate clear expectations, specify what the money is for, and consider non-cash ways to give — because intentional generosity protects both your retirement savings and your family relationships. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail In this episode, Sam puts Evan on the hot seat and gets him to answer questions related to ethical investing, building a portfolio, and financial red flags. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail On this episode of the Canadian Money Roadmap, Evan and Sam break down what prediction markets are and why Canadians should be cautious now that platforms like Wealthsimple are beginning to offer them. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail On this episode, Evan and Sam walk Canadians through the critical financial and lifestyle decisions to make in the 5–10 years before retirement — covering savings milestones, debt payoff, retirement lifestyle planning, asset allocation, and retirement withdrawal strategies. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail In this episode of the Canadian Money Roadmap, Evan and Sam consider how much Canadians need to save for retirement based upon the recommendations in two Canadian finance books The Wealthy Barber and The Rule of 30. They also discuss other insights from both books. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail On this episode of the Canadian Money Roadmap, Evan and Sam discuss the implications of Canadians holding more cash. The episode distinguishes between emergency funds, planned spending, and a "sleep at night" buffer, while warning against using cash as a market-timing tool. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail On this episode, Evan and Sam consider the practicality of retiring in Canada without pension through a case study of Tracy and Derek, who have saved $500,000 at age 50. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail On this week's episode, Evan and Sam discuss key reasons to file your taxes, the relationship between taxes and financial planning, and discuss ways to use your tax refund to optimize saving. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet
Send us Fan Mail On this episode of the Canadian Money Roadmap, Evan and Sam discuss how to balance family spending and retirement savings across three life stages — early parenthood, supporting older kids, and legacy/retirement planning. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝 Financial Foundations Scorecard - See how you score in the areas of cashflow & spending, saving & investing, debt & risk protection, and retirement readiness. Instant feedback and recommendations on how to improve your finances. 💰 Get your money organized - Full Financial Picture Spreadsheet