Pablo Vasquez, PFP
Financial Planner, Investment and Retirement Planning
Let's work together to achieve your financial goals
Local Events
Jun
12
2025
Principles of Successful Investing
Learn the 5 principles of investing, including how they can mold your financial future while positively impacting your finances today.
Event Time: 12:00 pm Mountain
Event Type: Virtual Event
Jun
26
2025
Leaving your Employer
Learn about the key financial considerations that’ll help you bridge the income gap, and increase your options when an unexpected loss of income occurs.
Event Time: 12:00 pm Mountain
Event Type: Virtual Event
Jul
03
2025
Estate Planning
Discover ways to set up your will to reduce taxes and fees and to help ensure that the needs of your financial dependents are met.
Event Time: 12:00 pm Mountain
Event Type: Virtual Event
Aug
07
2025
Will and Estate Planning
Join us for an insightful discussion on the essential components of estate planning, including wills, naming of executors, powers of attorney and tax implications.
Event Time: 12:00 pm Mountain
Event Type: Virtual Event
Ways I can help you
My passion lies in leveraging financial expertise to assist my clients in developing a personalized financial strategy. I am dedicated to taking the time to understand what matters most to you, and offering tailored strategies to help you achieve your goals, whatever they may be. Let's work together to create a path to financial success that aligns with your unique aspirations.
Reports & Insights
Global Investment Outlook
For more on our current view and outlook, consult The Global Investment Outlook.
Economic Outlook
Produced by RBC Global Asset Management's Chief Economist Eric Lascelles, the #MacroMemo covers what's on our economic radar for the week.
Discover & Learn
2025-05-30T19:19:30
Wise words from a master investor
Wise words from a master investor - Warren Buffett On October 16, 2008, in the midst of the global financial crisis, Warren Buffett penned an op-ed in the New York Times titled – “Buy American. I am.” At the time, U.S. equity markets were down roughly 30% amidst widespread market fear and investors were in dire need of inspiration. Despite almost 14-years passing, the bulk of what Buffett wrote back then still applies directly to investors today. With that in mind, let’s revisit some of the timeless wisdom from the Oracle of Omaha: On fear. “Fear is now widespread, gripping even seasoned investors. But fears regarding the long-term prosperity of the nation’s many sound companies make no sense. These businesses will indeed suffer earnings hiccups, as they always have. But most major companies will be setting new profit records 5, 10, and 20 years from now.” On where things are headed. “I haven’t the faintest idea as to whether stocks will be higher or lower a month, or a year, from now. What is likely however, is that the market will move higher, perhaps substantially so, well before either sentiment or the economy turns.” On investor behavior. “In the 20th century… the Dow rose from 66 to 11,497. You might think it would have been impossible for an investor to lose money during a century marked by such an extraordinary gain. But some investors did. The hapless ones bought stocks only when they felt comfort in doing so and then proceeded to sell when the headlines made them queasy.” More here:
2025-05-28T16:01:09
Heads or tails? Estimated reading time: 3 minutes by Karim Hudda, Portfolio Analyst, RBC Global Asset Management Inc. If you flip a coin, do you think you could correctly guess if it lands on heads or tails? Probably the first flip, right? What about the next one? How about 10 more? When it comes to financial markets, investors also try to make predictions. Some investors think they can guess if the market will be up or down each year. They might even think they can correctly time the market bottoms and peaks. But as you all know, this is impossible and the cost of being wrong can really add up. So, you might be wondering, how often do investors guess right? Up or down? Bottom or peak? For 31 years, DALBAR has analyzed investors’ market timing successes and failures through their net purchases and sales. This form of analysis, known as the Guess Right Ratio, examines fund inflows and outflows to determine how often investors correctly anticipate the direction of the market from one month to the next. Investors guess right when a net inflow is followed by a market gain, or a net outflow is followed by a decline. Key takeaways • 2024 had one of the worst years for correct guesses even though the S&P 500 was up 25%. Many investors either got spooked by the headlines or tried to optimize themselves into underperformance. Whether through late re-entries, poor rebalancing, or tactical moves that missed rallies, the end result was the same: more effort, less return. Investors left a lot on the table in 2024. • Even if investors guess right or wrong, it seldom produces superior gains. That’s because the dollar volume of bad guesses exceeds the dollar volume of right guesses. Even one month of wrong guesses can wipe out several months of right ones. • The odds of guessing right or wrong varies considerably. But investors who try to time the market are likely to miss out on the market’s best days, which are often a significant source of return in any given year. Message to clients: Investing is not about timing every market move correctly. The consequences of guessing “wrong” can be costly and add up over time. Those who have a well-diversified portfolio will be able to better navigate times when markets experience a wide range of positive and negative events. When you have this kind of plan and stick to it, you have the best chance possible to reach your long-term goals. As the DALBAR research shows, investors who were disciplined and patient over the long-term – instead of trying to out-guess the market – will likely avoid costly mistakes. Graph Source: “2025 QAIB Report,” DALBAR, Inc. www.dalbar.com Ratio Calculation: The Guess Right Ratio is the frequency that the average investor makes a short-term gain. One point is scored each month when the average investor has net inflows and the market (S&P 500) rises in the next month. A point is also scored when the average investor has net outflows and the market declines in the next month. The ratio is the number of points scored as a percentage of the total number of months under consideration.
2025-05-26T13:00:54
retirement-is-not-the-finish-line.pdf
Retirement is not the finish line The Canadian average life expectancy is nearing 84, a retiree aged 65 may spend 20-30 years or more in retirement. Treating retirement as the end of investing and shifting into risk-free assets all but guarantees forfeiting the growth needed to support the standard of living you would like and your ability to live out retirement dreams. For many investors, retirement is the starting point for a new phase in your financial life – decumulation. In today’s world, decumulation demands investing strategies that still incorporate growth.