The spring market in Alberta is picking up, but, where I’m spending most of my time isn’t with purchases, but with refinances.

I want to address a common question: what should you do with a windfall of cash? Clients often ask me whether it’s better to use these funds to pay down, or to pay off their mortgage, or keep them as liquid assets. Based on my years of experience, I believe in building financial resilience. If you’ve followed me for a while, you know I advocate for bulletproofing your life to better absorb shocks to your personal situation.

Having worked in the financial service industry for 39 years, I thought I had seen most things. However, this year I was surprised when I came across a client file that had a post-nuptial agreement.

I recently worked with a client who bought their first home five years ago, to free up $2,000 in cash flow by restructuring their mortgage.

I recently worked with a client where we were able to reduce their mortgage payment by $1,000 by opening up their cash flow.