Financial Wisdom

October 2026

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The FHSA Reality Check

Let’s be completely real for a second: trying to save up for a down payment in today’s Canadian housing market can often feel a lot like trying to fill a large swimming pool with a leaky bucket.

Housing prices are undeniably steep, and ensuring every single dollar works efficiently for you counts. Enter the First Home Savings Account (FHSA). Since rolling out, financial experts have heavily praised it as a game-changer. But does it actually move the...
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Business Risk Planning

Imagine the following scenario for a moment. You and your partner have opened a business and are feeling extremely confident about your current success.

Your primary competition across the street cannot keep up after one of their co-owners passes away, eventually closing down. Their entire customer base eventually comes your way, and business has never been better. This might be a positive scenario strictly as...
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The Pay Yourself Retirement Spending Plan

One of the biggest adjustments in retirement is losing the regular paycheque you’ve had your whole working life. Suddenly, money isn’t flowing in like clockwork–and that can feel unsettling. But you can recreate that stability with the "Pay Yourself" rule of retirement spending. And no, it doesn’t require any complicated plan.

The idea is simple: set up an automatic deposit into your chequing account so it feels just like payday. With predictable income arriving each month, it becomes much easier to plan ahead and enjoy your retirement without constantly worrying...
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One can choose to go back toward safety or forward toward growth. Growth must be chosen again and again; fear must be overcome again and again.

Abraham Maslow

Shayne McCosh provides investment advice and securities/products through McCosh Private Wealth of Aligned Capital Partners Inc. (ACPI). McCosh Private Wealth is a trade name of ACPI, a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF). Shayne McCosh provides financial planning services and is licensed for the sale of life insurance products and investment products. Shayne McCosh is registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the products purchased. Shayne McCosh will provide the name of the entity being represented when insurance/financial planning business is conducted. The sale of insurance/planning products is not the business of or under the supervision of ACPI, and ACPI will not be liable or responsible for such activities. All non-securities related business offered by McCosh Financial Consultants is not covered by the Canadian Investor Protection Fund (CIPF). Non-securities related business includes, without limitation, advising in or selling any type of insurance product, advising in or selling any type of mortgage service, estate and tax planning or tax return preparation.

McCosh Financial Consultants
16 Lamport Court, Whitby, ON L1M 0B1
Ph: (905) 432-6568