Rubach Wealth: Holistic Family Advisors?

“You’ve booked your flights, packed your bags—but have you secured what truly matters?” March Break is a time to relax and recharge, but true peace of mind comes from knowing your affairs are in order—especially if you're traveling without your children or loved ones. Before you go, ask yourself: - Emergency Contacts: Do your loved ones know how to reach you in an emergency? Have you designated someone to act on your behalf if needed? - Medical & Legal Documents: Are your power of attorney, health directives, and insurance details up to date? -Estate Plan Review: If something were to happen, is your estate plan clear, legally sound, and aligned with your current wishes? Preparation isn’t about expecting the worst—it’s about ensuring security, clarity, and peace of mind. Because the best travel companion isn’t just a packed suitcase—it’s a solid plan. #safetravels #marchbreak #finances

We are pleased to share that Elke Rubach LLB LLM CFP CLU MFA-P has been invited to join a panel discussion on Wealth Management for Women, hosted by The Globe and Mail and presented by TD. This important conversation will focus on empowering women to take charge of their financial futures. We’re grateful for the opportunity to contribute and look forward to sharing valuable insights. Elke's panel begins today at 1:15-2:00 pm EST. ?? Event information is here: https://lnkd.in/duy4fSX6

Too many families are left scrambling because wills are outdated, tax planning was ignored, and key decisions were never made. The result? Unnecessary costs, tax burdens, and stress. ?Get Your House in Order: ?? Protect Your Loved Ones – Keep wills, trusts, and beneficiaries up to date. ?? Minimize Taxes – Smart planning ensures more goes to your family, not the CRA. ?? Ensure Your Wishes Are Honoured – Review and communicate your estate plan. Delaying estate planning doesn’t delay reality. Let’s make sure your financial house is in order—before it’s too late. Book a calll with us today. Your future depends on it. #taxseason #financialplanning #legacy

Finances and marriage—there’s no one-size-fits-all approach. The best way to merge finances is the way that works for them. The key is open conversations and proactive planning. We recently worked with a couple seeking guidance on structuring their financial future. With a team of lawyers, we helped them create a prenuptial agreement that reflects their goals, knowing that as life evolves, so can their plan. As part of our role, we ask tough questions, anticipate challenges, and ensure their wishes are protected. The most important step is starting the conversation. #GetYourHouseInOrder #FinancialPlanning #WealthWithClarity

At Rubach Wealth, we live by a set of values that guide everything we do—internally as a team and externally with our clients. These aren’t just words on paper; they’re the foundation of how we show up every single day: ? Growth-Oriented: We embrace challenges as opportunities to learn, improve, and grow—because standing still is never an option. ?? Relentless: When it comes to finding solutions, we don’t stop until we deliver the best. ?? Professional: Integrity, expertise, and respect are at the core of how we work. ?? Resourceful: No matter the complexity, we bring creativity and clarity to every situation. ?? We’ve Got Each Other’s Back: Whether it’s our team or our clients, we build relationships rooted in trust and support. These values don’t just reflect who we are—they shape how we help you Get Your House in Order. When you work with Rubach Wealth: Holistic Family Advisors? , you’re partnering with a team that’s as committed to your success as we are to our own. Elke Rubach LLB LLM CFP CLU MFA-P Melanie Swackhammer Nathan Parkhouse, CFP?, CIM?, FMA Imran Choudhary, MBA, CFP, CLU, CHS Brooke McClelland Maria Defrancesco

When it comes to RRSP contributions, one partner may have a greater opportunity to contribute to savings. Spousal RRSPs can potentially be a solution. Here’s how they work: ? Example 1: If one partner is the primary earner, they can contribute to a spousal RRSP, lowering their taxable income today while building retirement savings for their partner. ? Example 2: By evening out retirement income using spousal RRSPs, couples can reduce their overall tax burden and avoid potential OAS clawbacks. Your partnership is about sharing life’s journey—including your financial future. Let us help you maximize your retirement savings and ensure you’re both on track to meet your goals. #marriage #financialadvisor

?? Dear Clients, This Valentine’s Day, we want to share a message straight from the heart: thank you. Your trust and partnership mean everything to us. ?? At Rubach Wealth: Holistic Family Advisors? we’re passionate about helping you build a strong financial future—because nothing says "I care" like making sure your house is in order. From organizing your finances to designing a plan that supports your goals, we’re here to help you achieve peace of mind and security for the people you love most. So, as we celebrate love this month, we encourage you to think about your financial house. Is everything in place? Are you prepared for what the future may bring? Let’s connect to ensure your plan reflects your priorities. Have a Happy Valentine's Day, everyone!

Think you’re a financial disaster? You’re not alone, and you’re not beyond help. We don’t judge. We help you organize, plan, and take control of your financial life, one step at a time. Remember, it’s never too early—or too late—to get started. Love your future self enough to begin today. #FinancialFreedom #TakeTheFirstStep #GetYourHouseInOrder

Are You Drifting Apart Financially? Financial infidelity isn’t always intentional—it can happen gradually when one partner handles the finances alone. Over time, small decisions add up, and priorities shift without both partners realizing it. A simple annual financial check-in can help realign goals, avoid misunderstandings, and keep your partnership strong. ??? Watch our latest video to learn more about staying financially in sync. Yes, it is a thing! https://buff.ly/42SbjS7

Life is full of surprises—some exciting, others challenging. A solid financial plan acts like the foundation of your home: it keeps you grounded, protected, and prepared no matter what comes your way. But here’s the truth: without a plan, cracks can form. ?? Missed opportunities. ?? Unnecessary tax burdens. ?? Financial stress that impacts your family. We believe everyone deserves to live with peace of mind, knowing their financial house is in order. Whether it’s: ?? Preparing for life’s milestones, ?? Building a safety net for the unexpected, or ?? Creating wealth for future generations, A customized financial plan helps you take control of your future and live with confidence. Ready to stop worrying and start planning? Get your house in order. Book a call with us today. #FinancialPlanning #GetYourHouseInorder #February Melanie Swackhammer Elke Rubach LLB LLM CFP CLU MFA-P