Money worries are rising. According to FP Canada, 42% of Canadians say money is their top source of stress. That number should make us pause. And, it’s one of the reasons why I advocate for financial planning, because it helps turn uncertainty into confidence.

Every October, my family marks Thanksgiving with a turkey on the smoker and a trip to the orchard. It’s a reminder that the holiday isn’t really about the meal — it’s about the people around the table. Wealth planning works the same way. It isn’t about spreadsheets or investment returns. It’s about protecting the people you love, today and in the future.

Without a plan, your wealth can be depleted, whether that’s as a result of taxes, time or mistakes. And then your confidence goes with it. Families deserve more than hope — they deserve the peace of mind that comes from knowing their future is taken care of.

The good news: a thoughtful plan can change everything. A structured retirement strategy creates income you can count on. Smart tax planning can keep more of your wealth working for you. Insurance and estate tools protect assets and keep transitions smooth. And just as family traditions evolve, a strong plan adapts as your goals and priorities change. In short, a plan can turn uncertainty into clarity and confidence.

And planning matters more today than ever. We’re living longer. Markets are more volatile. The old rulebook for retirement no longer applies. What worked a generation ago may not work now — and waiting only reduces your options.

This Thanksgiving, as you gather with loved ones, take a moment to reflect. The meal may last a few hours, the apples a few days — but a strong financial plan can help protect your family for decades.

Keep in mind, nearly half of Canadians don’t even know how much they’ll need for retirement — and most don’t have any written plan at all, let alone a strong one (FP Canada).

Now is the time to act. Call me to start the conversation — or join the retirement seminar we’re hosting later this month to learn how to build lasting wealth.

Fraser Willson, CFP^®, CIM^® | Senior Wealth Advisor | CIBC Wood Gundy | Collingwood | Fraser.Willson@cibc.com | (647) 588-4344 | www.WillsonInvestments.com

CIBC Private Wealth consists of services provided by CIBC and certain of its subsidiaries, including CIBC Wood Gundy, a division of CIBC World Markets Inc. Fraser Willson is an Investment Advisor with CIBC Wood Gundy in Collingwood. The views of Fraser Willson do not necessarily reflect those of CIBC World Markets Inc. If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor.