A lot of people think they have a financial plan — but do they really? Bruce is joined by Sandi Martin, a certified advice-only financial planner, to break down what a real financial plan looks like and why it matters.
You’ll also hear why a real plan is more than just an investment portfolio or a set of bank statements, how to stress-test assumptions (like inflation and market returns), and why focusing on the top three “needle-moving” actions is better than a 15-point to-do list.
Sandi explains how to avoid “straight-line” planning mistakes by considering worst-case scenarios, and why an annual review keeps your plan relevant as life changes.
If you’ve ever wondered whether the plan you got from your bank or investment advisor is actually setting you up for success, this conversation will help you tell the difference — and take steps toward a truly comprehensive, purpose-driven financial plan.
Find out more at sandimartin.ca and connect on Instagram and Bluesky
