Most January 1 investment publications start off with a forecast to predict the year and advise you on how to navigate it using their crystal ball.

We provide you here with something much more useful: Ten principles to live by in 2026 to steward your wealth and take care of your family.

1. Set your own financial finish line—forget outrunning your neighbors. Investment success is not about beating your friends; it’s about achieving your goals.
2. Never go all in on any theme, such as the end of the world happening or a single asset class going to the moon. This will allow you to sleep better at night.
3. Keep cash handy for life's curveballs or golden opportunities.
4. Take the big-picture view of your portfolio by looking at it over years, not days or minutes. Time rewards the patient.
5. Your portfolio fluctuating in value is not risk, this is normal. Not having enough money in 30 years is risk.
6. Get your will, charitable, and estate plan locked in—and refresh them often.
7. Minimize taxes by taking advantage of everything the government allows: TFSA, RRSP, RESP, FHSA, spousal pension income splitting, capital gains tax rates, charitable giving, and spousal loans.
8. Talk openly with your children about the wealth wisdom that’s allowed you to accumulate wealth and how to be a great steward. Pass on meaningful lessons with your true stories of your good and bad decisions.
9. Every year, we have clients pass away. No one takes it with them. Remember this and spread your generosity.
10. Invest in relationships—they are the true gold.

We wish you a wonderful, healthy, and prosperous 2026, and thank you for your trust and support.

Randy, Ian, and Harrison