The rate governing family income-splitting loans has not moved since the third quarter of 2025. For clients who have not yet set one up, the cost of waiting is now measurable in dollars, not just in missed opportunity.

The S&P/TSX Composite closed at 35,697.49 on September 11, down 3.7 percent from its August high, even as WTI settled above $100 a barrel for the second time in a week.

WTI crude closed at $102.55 on September 13, the day an Iranian vessel was struck near Qeshm, and the chain from the Strait of Hormuz to Canadian portfolios runs through gasoline prices, energy equities, and the currency.

The Bank of Canada has left its rate at 2.25 percent through seven consecutive decisions; the Federal Reserve meets Wednesday with hike odds now a clear majority.

The five-year Government of Canada yield has climbed 21 basis points off its August low to a five-week high, and the CPI print due this morning could push it further.

AAII bearish sentiment sits near 40 percent while the VIX stays below 18, a gap the availability heuristic explains better than the headlines do.

The S&P/TSX Composite closed at 35,616.77 on Thursday, down 0.81 per cent, as a U.S. procurement threat hit Canadian engineering and infrastructure names hard enough that a surging oil price could not offset the damage.

Inflation data already published makes the 2027 TFSA increase to $7,500 mathematically certain months before the CRA confirms it, and it arrives alongside a now-settled capital gains inclusion rate that changes what advisors can tell clients with confidence.

Volatility has risen for four consecutive weeks as the tanker war in the Strait of Hormuz escalates, yet investor behaviour shows the opposite of panic. The research explains why that is a warning sign, not reassurance.

The Dow fell 505 points Tuesday as bond markets kept repricing Friday's jobs report. Government of Canada yields moved with it, but the Canadian dollar strengthened anyway, and that split is the real story.

AAII's latest sentiment survey shows both readings above their historical averages, and the TSX's Tuesday decline did not come from the headline most investors will blame for it.

WTI has risen 15% since August 10, most of it in the two sessions since Iran's attack on a Saudi tanker in the Strait of Hormuz. The mechanism connecting that to Canadian portfolios runs through the currency as much as the energy sector.

The overnight rate stayed at 2.25% on Tuesday, the longest hold streak of the cutting cycle. Governor Tiff Macklem says tariffs are a modest inflation risk. The bigger one is sitting in the Strait of Hormuz.

Canada's $27.6 billion in counter-tariffs landed at midnight. For CCPC business owner clients, the planning conversation now runs through federal liquidity support and the prescribed rate, not just the invoice.

Five of the last six trading sessions broke the TSX average daily swing, but two of those five were gains. What is remembered from a week like this is not what happened.

A failed strike, a legalized union movement, and a century of patient negotiation explain why the calendar stops today, and why the discipline behind it still describes good client relationships.