Blog

Cutting Through the Noise


November 10, 2025

By Tom Bradley

Investors have no excuse for not preparing for a bear market

You can’t predict the next bear market — but you can prepare for it. Tom Bradley shares practical steps to get your portfolio (and mindset) ready before the downturn hits.

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October 30, 2025

By Vanessa Fiorido

Portfolio of horrors: Beware these market monsters

Even the steadiest portfolios can fall under the spell of fads, memes, and overconfidence. Here are three market “monsters” to watch this Halloween.

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October 29, 2025

By Salman Ahmed

Higher yield and lower fees: Here's how we're improving the Steadyhand Savings Fund

Higher yields, lower fees, and the same steady simplicity. This update marks a major step forward for Steadyhand investors as the Savings Fund evolves under Purpose Investments’ expertise — combining disciplined money-market management with a shared commitment to clarity, trust, and long-term value.

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October 24, 2025

By Tom Bradley

Immutable market truths for judging the effects of tariffs, AI and more

From AI booms to market bubbles, today’s noise can feel impossible to decode. Tom Bradley explores the timeless market truths — from reaction lags to exponential change — that help investors find their footing when the future feels uncertain.

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October 15, 2025

By Tom Bradley

Have entrenched investing views? Try admitting the other side might be right

When viewpoints harden, progress stalls – and investing is no exception. Tom Bradley explores why debates like real estate versus stocks, ETFs versus mutual funds, and private versus public markets often miss the point. Instead of choosing sides, he argues, investors should focus on what’s right for their portfolios, not on being right.

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October 1, 2025

By David Toyne

Is the cash bucket strategy right for you?

Too many retirees hold back on their spending out of fear – and it’s taking a toll on their quality of life. Behind the Advice is a new series from Steadyhand that brings you closer to the team working directly with our clients. In this first episode, David Toyne sits down with Evan Parubets, Head of Advisory Services, to unpack one of the most important – and often most stressful – transitions for Canadians: shifting from saving to spending in retirement.

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September 29, 2025

By Tom Bradley

An investor's solution for never-ending uncertainty

When markets are driven by a handful of high-flying stocks, it’s tempting to chase the action. But history shows how fragile that strategy can be. Tom Bradley reflects on lessons from past cycles, the wisdom of Peter Bernstein, and why diversification remains an investor’s best defence against uncertainty.

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September 19, 2025

By Tom Bradley

A farewell to David Toyne

From chance breakfast meetings to shaping the DNA of a firm, some career chapters leave a lasting mark. Tom Bradley reflects on David Toyne's pivotal role in Steadyhand's growth, the energy he brought to the team, and the 'Davidisms' that will continue to guide the firm long after his retirement.

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September 17, 2025

By Tom Bradley

If indicators are fallible, are they valuable?

From valuation metrics to investor sentiment, market indicators can feel like a crystal ball — until they don’t. Tom Bradley explores why these tools fall short, the difference between one-off calls and long-term odds, and how investors can stack the deck in their favour.

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September 11, 2025

By David Toyne

5 habits that build real wealth (from a 40-year investor)

Decades of investing wisdom distilled into five simple habits. In this Coffee Break episode, David Toyne — drawing on 40+ years of experience — reveals what academic research, behavioural finance, and real-world investor outcomes can teach us about building lasting wealth in Canada.

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September 5, 2025

By Tom Bradley

The markets are binging on data-centre spending. Is there a hangover to come?

The surge in data-centre spending is unprecedented and impossible for investors to ignore. The opportunities are real, but so are the risks. Tom Bradley explains.

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August 29, 2025

By David Toyne

What banks don't want you to know (CBC investigation explained)

Are Canada’s banks giving advice in your best interest or theirs? In this Coffee Break episode, David Toyne sits down with advice-only planner Sandi Martin, featured in CBC Marketplace’s hidden camera exposé, to unpack what the investigation revealed and what regulators are saying in a new 2025 OSC/CIRO report.

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August 20, 2025

By Tom Bradley

A love letter to public markets

As private markets steal the spotlight, it’s tempting to believe stocks are yesterday’s news. Tom Bradley unpacks the allure of private assets, their pitfalls, and why public equities still deserve a front-row seat in your portfolio.

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August 13, 2025

By Vanessa Fiorido

The em dash, ChatGPT, and why investing shouldn’t feel like an Ironman

Em dashes are under fire, AI is getting the side-eye, and Vanessa’s here to defend both – with a side of investing wisdom that’s as practical as it is unapologetic.

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August 11, 2025

By David Toyne

Remarried? Don’t Make These Estate Planning Mistakes

Starting over later in life comes with more than just new beginnings — it can mean revisiting your estate plan, too. In this Coffee Break episode, David Toyne is joined by Money Coaches Canada’s Janet Gray to uncover the 7 most common mistakes people make when entering new relationships.

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August 5, 2025

By Tom Bradley

Many investors are running hot. Time for a cold shower

In a climate where greed and fear are both running hot, keeping your cool matters more than ever. Tom Bradley explores why now is the time to zoom out, question your instincts, and remember that slow and steady still wins the race.

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July 29, 2025

By Vanessa Fiorido

An important update (that’s not about your retirement plan)

Scott’s off to his next chapter. Vanessa’s taking the mic – ready to keep things thoughtful, clear, and occasionally offbeat.

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July 24, 2025

By David Toyne

Downsizing in retirement? Avoid these common mistakes

Thinking of downsizing – or helping a loved one through a major life transition? In this Coffee Break episode, we sit down with Adam Gordon of Gordon’s Downsizing to explore what really goes into decluttering and letting go.

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July 22, 2025

By Tom Bradley

A smart motto for investors in this sped-up world: Slow down

Slowing down isn't just good life advice – it's a powerful investment strategy. In a world fuelled by market noise and false urgency, patience and restraint can offer a lasting edge.

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July 18, 2025

By David Toyne

Aging in place in Canada: Digging into the realities and costs

Most Canadians want to age at home—but are they ready for the cost? Julia Chung joins us to discuss the financial and emotional realities of aging in place.

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July 15, 2025

By Tom Bradley

The Voice of Steadyhand

After 18 years and over 700 blog posts, Steadyhand bids farewell to Scott Ronalds—the voice behind the firm's distinctive communications.

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July 10, 2025

By David Toyne

CPP Survivor Benefit: What You Need to Know

If you delay your CPP and pass away before collecting, what happens to your benefits? Here's what your spouse needs to know.

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July 9, 2025

By Tom Bradley

Bradley's Brief — Q2 2025

Tom Bradley's quarterly letter to clients.

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July 7, 2025

By Tom Bradley

In investing, you need to dig for the positives, but they are there

Amid a sea of negative headlines, a fresh perspective reveals a world—and a market—brimming with overlooked optimism, innovation, and surprising resilience. Tom Bradley elaborates in his Globe and Mail column.

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June 27, 2025

By David Toyne

Making the shift from saving to spending in retirement

Learn how to confidently transition from saving to spending in retirement with insights from Certified Financial Planner Steve Bridge.

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