Adam Prittie, Seminars

Prittie Private Wealth’s Financial Wealth Empowerment Series

We designed this program for individuals who are ready to take greater control of their financial journey—whether you are just beginning or looking to deepen your understanding of investing. đŸ“ˆđŸ’Œ

At Prittie Private Wealth, we recognize the value of building strong financial knowledge at every stage. That is why we created a series that simplifies the investing process, provides clear and practical guidance, and helps foster lasting financial habits. 📚💡

Whether you are starting from the ground up or seeking to refine your approach, this program offers the tools you need to make informed, confident decisions—today and into the future. 🚀🔐

Curious about how to take control of your money and future?

Curious about how to take control of your money and future?

Check out our 1-minute intro video to see what the Empowerment Series is all about.

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Check out our 1-minute intro video to see what the Empowerment Series is all about.

Building Confidence, Growing Wealth
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Fast Facts & Snapshots

5_smart_habits

Hover over the i next to each number to learn more.

1

Set Clear Goals

 2n

Start Small, Stay Consistent

 3n

Diversify Your Portfolio

 4n

Learn & Stay Informed

 5n

Avoid Emotional Decisions

5 Questions To Ask Before You Invest: Investment Checklist

Essential questions for informed investing decisions.

Hover over the i next to each number to learn more.

1

🎯 1. What’s My Goal?

What it means:
Why are you investing your money? Is it for retirement, buying a house, college, or just to grow your money over time?

Why it matters:
Your reason for investing helps decide what kind of investments you should choose. If your goal is far away (like retirement in 40 years), you can take more risk. But if your goal is soon (like a vacation in 2 years), you should play it safer.

đŸ”č Example:
If you’re 20 and saving for retirement at 65, you’ve got time—so you can take more risks with your investments. But if you're saving for a car in 2 years, safer options are better.
1

⏳ 2. How Long Can I Leave My Money Invested?

 What it means:
This is about how much time you can let your money grow before you need it back. Is it just a few years, or a really long time?

Why it matters:
The more time you have, the more risk you can take, because your money has time to recover if the market goes up and down.

đŸ”č Example:
If you’re saving for something way down the road—like retirement—you can take more risks with things like stocks, since you have decades to let it grow.
1

⚖ 3. What’s My Risk Tolerance?

What it means:
How okay are you with your money going up and down in the short term?

Why it matters:
Some people can handle ups and downs and still sleep at night. Others get really worried if they see their money drop. Knowing your comfort level helps you pick the right investments—and stay calm when things get rocky.

đŸ”č Example:
If you panic and sell every time the market dips, you might want to stick with lower-risk stuff like bonds or balanced funds.
1

🧠 4. Do I Understand This Investment?

What it means:
Do you know how the investment works, how it makes money, and what could go wrong?

Why it matters:
If you don’t understand it, you’re more likely to make mistakes—or fall for hype.

đŸ”č Example:
Thinking about buying a trendy tech stock? Make sure you understand what the company does and how it’s doing financially—not just because it’s blowing up on TikTok.
1

đŸ§ș 5. Am I Diversified?

What it means:
Is your money spread out across different things, or all in one place?

Why it matters:
If one investment tanks, you don’t want your whole account to crash. Spreading your money out (called diversification) lowers your risk.

đŸ”č Example:
Don’t put all your cash into one stock. Mix it up with index funds, bonds, and even some international options for balance
1

🎯 1. What’s My Goal?


What it means:
Why are you investing your money? Is it for retirement, buying a house, college, or just to grow your money over time?

Why it matters:
Your reason for investing helps decide what kind of investments you should choose. If your goal is far away (like retirement in 40 years), you can take more risk. But if your goal is soon (like a vacation in 2 years), you should play it safer.

đŸ”č Example:
If you’re 20 and saving for retirement at 65, you’ve got time—so you can take more risks with your investments. But if you're saving for a car in 2 years, safer options are better.

 2n

⏳ 2. How Long Can I Leave My Money Invested?

What it means:
This is about how much time you can let your money grow before you need it back. Is it just a few years, or a really long time?

Why it matters:
The more time you have, the more risk you can take, because your money has time to recover if the market goes up and down.

đŸ”č Example:
If you’re saving for something way down the road—like retirement—you can take more risks with things like stocks, since you have decades to let it grow.

 3n

⚖ 3. What’s My Risk Tolerance?
What it means:
How okay are you with your money going up and down in the short term?

Why it matters:
Some people can handle ups and downs and still sleep at night. Others get really worried if they see their money drop. Knowing your comfort level helps you pick the right investments—and stay calm when things get rocky.

đŸ”č Example:
If you panic and sell every time the market dips, you might want to stick with lower-risk stuff like bonds or balanced funds.

 4n

🧠 4. Do I Understand This Investment?

What it means:
Do you know how the investment works, how it makes money, and what could go wrong?

Why it matters:
If you don’t understand it, you’re more likely to make mistakes—or fall for hype.

đŸ”č Example:
Thinking about buying a trendy tech stock? Make sure you understand what the company does and how it’s doing financially—not just because it’s blowing up on TikTok.

 5n

đŸ§ș 5. Am I Diversified?

What it means:
Is your money spread out across different things, or all in one place?

Why it matters:
If one investment tanks, you don’t want your whole account to crash. Spreading your money out (called diversification) lowers your risk.

đŸ”č Example:
Don’t put all your cash into one stock. Mix it up with index funds, bonds, and even some international options for balance.

Your Guide to Investment Accounts

investment_accounts

 

A Registered Retirement Savings Plan (RRSP) is an account designed to help you save money for your retirement. The money you put into it lowers the amount of income tax you have to pay for the year. The investments in the account grow without being taxed until you take the money out. You can also use money from your RRSP to help buy your first home, as long as you pay it back over 15 years.

tfsa

 

A Tax-Free Savings Account (TFSA) is a flexible account that lets your money grow without paying taxes on it. You can also take money out anytime, tax-free. While you don't get a tax break when you add money to a TFSA, all the growth and withdrawals are completely tax-free. There's a limit to how much you can put in each year, so keep track to avoid extra fees.

resp

 

A Registered Education Savings Plan (RESP) is an account to help you save for your child's education. The government adds extra money to your savings through grants, like the Canada Education Savings Grant (CESG). Your money grows in the account without being taxed, and when your child uses it for school, they pay little or no tax on the withdrawals.

fhsa

 

The First Home Savings Account (FHSA) is a newer account type to help Canadians save for their first home. The money you put in lowers your taxes, like an RRSP, and when you use it to buy a home, you don't pay taxes on the withdrawals, like a TFSA. You can save up to $8,000 per year, with a total limit of $40,000. It's a great option for first-time homebuyers.

non-reg

 

A non-registered account has no limits on how much money you can put in, but it doesn't have any tax benefits. Any money you earn, like interest, dividends, or profits from selling investments, will be taxed. These accounts are good for extra savings or specific goals, especially if you're investing in things that don't create a lot of taxable income, like stocks that grow in value over time.

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