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Deborah Bongard
Christopher Bowlby
Mark Parent
Rosemary Hart

1 First Canadian Place
40th Floor , P.O. Box 150
Toronto, ON
M5X 1H3

Young Professionals Newsletter

Welcome to our first newsletter for young professionals.
In my experience working in the wealth management industry, there is not much information out there targeted to our cohort. After being approached by young professionals from various fields looking for resources to improve their financial literacy, I created this newsletter to try to fill this gap.
I am going to be featuring articles that I have written, as well as articles that I have found that I think are interesting and informative.
You may have heard the term “High Earning Not Rich Yet” to describe young professionals who are working but have not yet amassed substantial financial resources. Many issues facing young professionals in 2019, such as high housing prices, require that we strengthen our financial literacy, create savings strategies, and maximize the actions we can take now to pay dividends- both literally and figuratively- years into the future. Our generation will have to start developing these skills now as we embark on investing our capital, becoming homeowners, and starting families of our own.
In this first newsletter, I will address TFSAs and RRSPs, how best to manage excess cash flow, and investing strategies.
I am interested in hearing your feedback, and please reach out if there are any topics you would like addressed in future newsletters, or if you have any questions.  You can subscribe to receive further newsletters directly by emailing and we will also be hosting all of our articles on our webpage in the Young Professional section.
Please feel free to share this newsletter with friends and family that you think would enjoy and benefit from this content.

Christopher Bowlby, CFA, CFP
Portfolio Manager and Associate Investment Advisor
Bongard Wealth Advisory Group
BMO Nesbitt Burns
TFSAs and RRSPs are two of the most unused investment vehicles when creating an investment strategy.  Many Canadians do not fully understand the differences between the two and which they should use. This article from our team looks into the features of each and the differences between them.
2019 Financial New Year’s Resolutions
The new year is a good time to analyze where you are at and to make plans for 2019.  We created a list of nine ways to get your financial house in order in 2019 and create a process oriented mindset to keep your resolutions. Read more on our blog here.
How Millennials Can Maximize Savings for Retirement
Top Questions to Ask Yourself When Investing?
When you are creating an investment strategy there are many questions you should ask yourself to help you determine what type of investment you should choose to reach your goals. This article written by our team explores the questions you should be asking yourself when choosing an investment.
How to Survive a Market Correction or Bear Market
With the market pullback at the end of 2018 and the potential for an economic slowdown in 2019 and 2020, this article discusses what you should focus on during the pullback in the financial markets and how to use it to your advantage. Read more on our blog here.
Don’t Put All Your Eggs in One Basket
One of the key considerations when investing is the importance of diversification. Diversification helps to reduce the volatility in your investments and allows you to remain invested to reach longer term goals. This article written by our team looks more into diversification and how it impacts your investments.
What To Do With Excess Cash Flow?
When you reach a point of having excess cash flow in your bank account every month, you begin to ask yourself what to do with the money burning a hole in your account. Should I may down debt faster, spend it or invest it? This article from our team looks more into what you should do when you reach this financial stage.
Bongard Wealth Advisory Group
BMO Nesbitt Burns
1 First Canadian Place
40th Floor
Toronto, Ontario
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