Financial Wisdom

September 2026

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7 Everyday Habits of Wealthy People

When we think of wealthy people, it is easy to picture massive inheritances, incredibly lucky stock picks, or lottery winnings. However, the reality is usually much less glamorous. For most self-made individuals, financial success is not an accident; it is the result of consistent, intentional habits.

You don’t need a six-figure salary to start building wealth. By adopting the right mix of mindset, lifestyle, and financial routines, everyday...

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The Adolescent Years: Are You Ready?

Have you ever thought about setting aside a little extra cash specifically for your child’s teenage years? If you’ve got a child rapidly approaching middle school, you might want to start planning. Let’s be real: adolescence is famously a rollercoaster time.

It’s not just the sudden surge of hormones, the eyerolls, and the emotional drama that make it turbulent. It’s also the massive wave of new expenses that...

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The Income Tax Bond

Meet Dan and Susan. At 65 and 63, they’re finally ready to kick back, relax, and enjoy a well-deserved retirement. They’ve played their financial cards right: their house is completely paid off, and they’ve managed to stash away a healthy $500,000 in their RRSPs. Like most parents, their ultimate goal is to leave as much of that nest egg as possible to their two kids.

They already know that their home will pass to their children tax-free, which is fantastic news. But they’ve also realized that their...

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Life is about making an impact, not making an income.

Kevin Kruse

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