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  • Home
  • About
    • About Russ
    • How We Work
  • Services
  • FAQ
  • Blog
  • Resources
    • General Resources
    • Calculators
    • Books
    • Podcasts
  • Contact

The Nickel and Dime Bank: Navigating Bank Fees

in Blog
by Russell Sawatsky

It is a cliché that Canadians are loyal to their banks. While it is true that banks or credit unions are necessities of life, we do not need to stay loyal to one bank brand. In this blog post, I will discuss some ways in...

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Where to Keep Your Short-Term Money

in Blog
by Russell Sawatsky

You are careful with your money. You have made it a general rule to avoid debt – except for the mortgage on your home – in order to force yourself to live within your means. Well, you do use a credit card, but you have...

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Giving the Government its Due: Taxation

in Blog
by Russell Sawatsky

An Introduction to Tax Planning – Part 1 Financial Planning and Taxation As much as we might like to deny it, taxation is an integral part of financial planning. Indeed, taxation can often be a Canadian household’s biggest single expense. Think about all the areas in life...

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Insuring Your BFF (Your Bank or Financial Firm)

in Blog
by Russell Sawatsky

An Introduction to Insurance and Risk Management – Part 8.2 In my last post, I wrote about Assuris, a body that insures you against the insolvency of a life insurance company. This post has to do with insuring against the insolvency of banks and credit unions.   CANADA...

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What is Not an Investment?

in Blog
by Russell Sawatsky

Introduction to Investment Planning – Part 1 People often use the terms savings and investments as though they mean the same thing. This makes sense because generally speaking you cannot invest unless you have money to invest. You cannot have money to invest unless you have...

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Registered Retirement Savings Plan (RRSP)

in Blog
by Russell Sawatsky

An Introduction to Registered Plans – Part 1 What is a Registered Retirement Savings Plan? An RRSP is an individual account that has been registered with the Canada Revenue Agency (CRA). Because it is registered, allowable contributions are tax-deductible if they are contributed in the year or...

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Russ Writes

  • Twins at the Crossroads: Covered-Call ETFs vs Total Return
  • Budgeting for Rest: Rethinking Vacation in a World That Doesn’t Stop
  • Health and Personal Finance: Planning for the Unplannable
  • Twins, Tension, and Tolerance: Navigating the Risk Spectrum in Personal Finance
  • Should I Invest in the U.S.? Tariffs, Trump, and the Ethics of Investing as a Canadian

Contact

Russell J. Sawatsky
Certified Financial Planner®
T: (519) 852-0318
E: russ@moneyarchitect.ca

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