If you’re in Canada and nearing retirement, you might be worried about why your mutual funds or segregated funds are underperforming.

In this episode, Wes Forster explains why performance depends on a combination of the fund quality, guidance, and investor discipline. Research shows that investor timing decisions, portfolio structure, and disciplined oversight often have a greater impact on long-term results than cost alone.

Drawing on academic studies and personal experience, Wes explores the difference between fund performance and investor returns, why “buy and hold” may not be enough, (especially without structure), and how overlooked gaps can quietly weaken retirement outcomes.

If you are approaching or living in retirement in British Columbia or Alberta and questioning whether your portfolio is properly aligned with your income plan, this episode offers clarity without sales pressure.

And if you want real clarity, here are two ways you can work with Wes:

Attend a seminar: https://seravuefinancial.ca/seminars-events/

Schedule a Discovery Call: https://seravuefinancial.ca/contact/

Wes Forster is an experienced financial planner and the founder of Seravue Financial, based in Kelowna, BC https://seravuefinancial.ca

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This podcast is provided for general educational and informational purposes only. It is not intended as personalized financial, investment, tax, legal, or retirement planning advice, nor should it be considered a solicitation or offer to buy or sell any financial product.

Wesley Forster and Seravue Financial provide complete wealth management services in Alberta and British Columbia. Recommendations are only made after a comprehensive review of a client’s financial situation, objectives, risk tolerance, time horizon, and overall retirement plan. A properly structured financial plan always precedes any product or portfolio recommendation.

Seravue Financial is licensed in Alberta and British Columbia to offer segregated fund contracts, Guaranteed Investment Funds (GIFs), annuities, and other risk management solutions designed to support long-term growth, income security, and retirement stability. Seravue Financial does not sell mutual funds.

Any references to studies, research, or historical performance are provided for context and educational purposes only. Past performance is not indicative of future results. Investment values may fluctuate, and returns are not guaranteed unless specifically stated within the terms of a guaranteed product.

Before making any financial decision, individuals should consult with a qualified professional who can review their specific circumstances.

If something happens to you, will your family be left with a financial and legal mess?

In this episode, host and certified financial planner, Wes Forster, explains why having a will is not always enough. Many estate plans look complete on paper but fail because documents are missing, outdated, or poorly coordinated.

Wes shares what the research shows about how many Canadians lack updated wills and powers of attorney, and why good intentions are not the same as a properly integrated plan.

If you want to understand how estate planning decisions can affect your family later, this episode will help you see what matters most.

Attend a seminar: https://seravuefinancial.ca/seminars-events/

Schedule a Discovery Call: https://seravuefinancial.ca/contact/

Wes Forster is an experienced financial planner and the founder of Seravue Financial, based in Kelowna, BC https://seravuefinancial.ca

How much money do I need to retire?

It’s the number one question people have about retirement. Unfortunately, it’s the wrong question.

In this episode, Wes Forster, Kelowna-based financial planner and podcast host, explains why retirement is not about reaching a single number. It is about building and stress testing a plan that can reliably fund your life after tax, even when markets, taxes, or life do not go perfectly.

He shares a real example of someone who thought he had to keep working (at a job he hated) because he hadn’t hit his retirement number. But, when Wes stress tested his retirement plan, the truth about how much he needed to retire was very different from what he thought. By reviewing his plan with a proper retirement checklist, Wes was able to give him the confidence (and freedom) to choose his retirement date based on more than a number.

If you would like to explore your own situation further, you can register for an in-person retirement seminar (held in BC and Alberta): https://seravuefinancial.ca/seminars-events/

Or, book a confidential introductory conversation with Wes: https://seravuefinancial.ca/contact/

Wes Forster is an experienced financial planner and the founder of Seravue Financial, based in Kelowna, BC https://seravuefinancial.ca