Notes
Written for people who live here.
Planning notes when they’re useful. Market notes when they matter. Nothing copied from a national content mill.
June 18, 2026 · Jake Brennan
Corporate insurance for the inshore and the plant, without the bank script
A licence, a boat, and a handful of key people are an estate and a business at once. Insurance should be built for that, not copied from a mainland template.
September 4, 2026
Newfoundland
Retirement planning for Newfoundland’s offshore and oilfield workers
A rotation, a pension rumour, and a signing bonus are not a retirement plan. Here’s how we think about offshore pay in this province.
March 11, 2026
Retirement
The Public Service Pension Plan, and the questions it does not answer
A defined-benefit pension is a gift. It is not, by itself, a complete plan for a household in this province.
April 17, 2025
Markets
The end of synchronous global growth
The big economies used to move together. They don’t anymore. What that means for a household portfolio in this province.
March 10, 2025
Markets
Tariff headlines and navigating economic uncertainty
Stormy economic water is a planning problem, not a prediction problem.
October 9, 2024
Retirement
RRSP vs. TFSA: a Newfoundland household’s version of the debate
The right account depends on your tax rate now, your tax rate later, and whether the money might be needed before retirement. Not on whichever ad ran this March.
September 26, 2024
Retirement
The $5.34 rule: a simple strategy for secure retirement savings
A small, automatic amount, pointed at the right account, will beat a heroic March contribution you never quite make.
April 2, 2022
Investing
Segregated funds, and when the guarantee is worth the cost
Segregated funds combine investment growth with a guarantee, and a structure that’s different from a mutual fund. They’re a tool, not a belief.
December 6, 2022
Planning
A holistic planning approach: what we actually mean
Holistic planning means looking at insurance, cash, tax, the business, and the family as one picture.