David Ritcey, Senior Wealth Advisor, Portfolio Manager

10/16/2026

When someone at a party mentions an investment they’ve just made and says, “My hope is that I’ll do very well with it,” most seasoned investment professionals would have good reason to be sceptical.

Why? Because hope is not an investment strategy. Evidence and reason are important considerations when making investment decisions. But what about a stock whose future performance is assessed based on the expectations already reflected in its price?

Learn more on our new blog.

When someone at a party mentions an investment they’ve just made and says, “My hope is that I’ll do very well with it,” most seasoned investment professionals would have good reason to be sceptical. Why? Because hope is not an investment strategy. Evidence and reason are important considerat...

10/15/2026

The dot-com era market bubble was a historic speculative boom and crash driven by extreme hype over internet-based startup companies. Investors poured money into any company with “.com” in its name, often ignoring traditional business metrics like profit or positive cash flow.

Read more on our blog.

Many of you will be familiar with the so-called dotcom era – roughly 1995 – 2000. It was a period of intense speculation, massive venture capital investment, and the rapid growth of internet-based startups. The dot-com era market bubble was a historic speculative boom and crash driven by extreme...

10/15/2026

Here’s the problem: Convenience comes with a price. Frictionless spending removes all physical and emotional barriers to parting with your money. While apparently seamless, frictionless spending is a species of cognitive sleight-of-hand.

Read more on our blog.

There’s a new kid on the block and its name is “Frictionless Spending.” It can make spending remarkably easy — sometimes with a degree of abandon reminiscent of rolling dice at a table in Las Vegas. The stakes can be high, particularly when convenience makes it easier to spend without giving...

10/14/2026

Earning investment income through a corporation can come with important tax considerations for business owners.

From corporate tax rates to the potential impact on the Small Business Deduction, understanding how passive investment income is taxed can help you make more informed decisions about your business and personal wealth.

ABI is earned from active business operations. Passive investment income generally includes interest, rents, royalties, foreign and Canadian dividends, and capital gains earned from investments in property. Any reference throughout this article to an Opco or Holdco is to a CCPC. For more information...

10/13/2026

Canadian equities returned 0.48% as strong trade data and growth-sector gains supported sentiment, though rising yields, commodity volatility and weaker labour data increased expectations of a more dovish Bank of Canada.

Read the latest market news from Scotia Wealth Management - it’s on our website now.

Market highlights AI optimism gives way to rising yield concerns Bond markets whipsawed by inflation and policy signals Economic highlights Canadian labour market softens further in September U.S. trade deficit widens sharply as services sector continues to expand Eurozone retail sales edge higher a...

10/12/2026

Happy Thanksgiving from the Ritcey Woodworth Advisory Team!

10/08/2026

Ready to start withdrawing from your child’s RESP? A thoughtful withdrawal strategy can help manage taxes and make the most of the savings you’ve built.

This article covers six key considerations, including:
✔️ How RESP withdrawals are taxed
✔️ Why timing matters
✔️ What happens if your child does not attend post-secondary
✔️ Options for unused RESP funds

Read the full article for six tips to consider before making an RESP withdrawal.

One of the most effective ways for parents to save for their children’s education is to invest in a Registered Education Savings Plan (RESP). Here are six tips to help you get the most out of RESP withdrawals.

10/07/2026

Canadian equities may be supported by higher returns on invested capital, improved corporate cash flows, and a broader set of growth investment opportunities, particularly across the financials, energy, materials, and industrials sectors.

Check out the latest news from Scotia Wealth Management on our website.

At a Glance The Canadian government, in conjunction with CPP Investments and PSP Investments, hosted its first-ever Canada Investment Summit in Toronto on September 14–15 2026, drawing investors from nearly 30 countries. The event produced almost $500 billion in newly announced investment commitme...

10/05/2026

Canadian equities returned -0.78%², lagging the late U.S. rally as higher bond yields weighed and domestic data offered no clear catalyst.

Get up to speed—Scotia Wealth Management’s latest market news is online now.

Market highlights Softer U.S. jobs data offsets early energy and rates pressure Bonds rally as weaker jobs data pares Fed hike expectations Economic highlights Canadian GDP rebounds in August, supporting solid Q3 growth outlook U.S. job growth slows as economy expands moderately and inflation pressu...

10/02/2026

Genomics is helping reshape medicine, from gene editing and targeted therapies to AI-driven drug discovery. For investors, it is also an emerging area with significant long-term potential — and equally important risks to consider.

Visit our website to learn more about where opportunities may be developing across the genomics landscape, while considering the scientific, regulatory, ethical and commercial uncertainties that remain.

https://ritceywoodworth.com/genomics-big-science-big-business-big-future/

As part of our commitment to track and analyze new categories of investment as they emerge, in this blog we want to discuss what can be colloquially called an investment hot button issue: genomics. Genomics involves mapping, sequencing, and analyzing entire genomes to understand their structure and....