Jonathan Helm CFP, CIM, FCSI
359 Cook Street V8V3X8 Victoria, BC, Canada

Debate Night in America! With the US Election less than two weeks away, many people have questions about what will happen to their portfolio depending on the election outcome. I shared this graphic with clients a few weeks ago, as part of a broader market analysis, to help visualize the four potential outcomes and the likely market responses* (shown under the Risk-Asset Impact category). Message us if you’d like more info on how your investments are positioned relative to these potential outcomes and their probabilities of occurring. *Assumes the election is decided in a timely manner and the House of Representatives remains Democratic.

Christmas is a little over 2 months away meaning holiday planning is sure to begin soon. But, unlike every other year, this one will look a bit different. Here are a few tips to help make this holiday season fun and safe for everyone.

It’s a common misconception that our government health insurance will cover all of our health-care costs. There are a lot of expenses that might not be covered if unexpected health changes occur. That’s why it’s important to have continued protection in every stage of life. Need help choosing the right plan for you? Contact me today.

A change in season is an ideal time to develop new heathier and more productive lifestyle habits. The cool, crisp air represents a fresh start so why not start now? Here are some great reasons to make your resolutions in the fall instead of waiting until January.

Too many people make the mistake of thinking that they just need to earn more money in order for them to save. That isn’t the right mindset. The best formula for getting out of debt is to change your habits. Here are 6 important tips to help get you started. #personalfinance #budget

Did you know that it could cost $80,000 in 20 years to obtain a degree? As education costs continue to climb it becomes imperative that you start to save early. To begin saving for your child’s future, contact me today.

Well our lips have been sealed (and let us tell you that has not been easy) but we’ve finally and officially received the a-okay from our legal team, and we are burdened no more! My wife, Claire, and I would like to announce, with the utmost level of excitement (if you’re wondering exactly how much excitement, see Claire’s face above ), that we are moving our practice to Cook Street Village in early 2021! So why the move? The reality is, people are leaving their homes less... often now, so when they do, they really don’t want to go to an office park they want it to be part of a memorable destination experience, and that is exactly what Cook Street Village has to offer. This space enables us to truly customize everything, further increase our safety measures for in person meetings with plans for an outdoor client meeting space, all in a popular destination location. Oh, and did we mention no having to ride in elevators or struggle with parking? Double bonus! Our valued clients have spoken loud and clear, and we could not be happier with our decision. Cook Street Village is a much-loved destination for all Greater Victorians, and we’re thrilled and humbled by the opportunity to join a community whose values align so well with ours. We can hardly wait to make it our new home away from home. Stay tuned for updates as we go. Let’s do this! The Helm Financial Team P.S. A huge shoutout to Matt Pettinger of Devencore Realty Victoria for putting this deal together for us!

Since the TFSA was introduced over 10 years ago, 60% of Canadians have opened one. As simple as this account may seem there are a few restrictions to be aware of. Making mistakes could end up being costly. #TFSA #Save

When considering which type of life insurance you should purchase, understanding the basics, benefits and realities are important. To find out if term or permanent insurance is right for you, contact me today!

Our mental health affects every aspect of our lives and practising self-care and checking in on ourselves is of the utmost importance. I encourage you to do a mental health checkup to make sure you’re taking the best care of yourself. #MentalHealth

It can be challenging, especially during these times, to save money for future goals like a new home or retirement. As an advisor, it’s my job to help you manage your finances today so you can reach your goals of tomorrow. Contact me today. #planforthefuture

If you deferred your mortgage payments in the wake of COVID-19, the 6-month waiver is ending September 30th. If your mortgage payments are starting back up and you’re not ready, here are some options you could try.

Taking a brisk walk early in the morning not only has many health benefits but it can increase alertness and improve your mood. Here’s how to make the most of your morning walks.