{"id":260,"date":"2026-09-24T04:11:13","date_gmt":"2026-09-24T04:11:13","guid":{"rendered":"https:\/\/stevespeaks.ca\/?page_id=260"},"modified":"2026-09-24T04:13:44","modified_gmt":"2026-09-24T04:13:44","slug":"home","status":"publish","type":"page","link":"https:\/\/stevespeaks.ca\/","title":{"rendered":"Home"},"content":{"rendered":"\n
\n
\"\"<\/span>
\n
\n
\n
\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n

<\/p>\n\n\n\n

<\/div>\n\n\n\n
<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n
\n
\n
\n
<\/div>\n\n\n\n
\n
\"Money<\/a><\/div>\n\n\n

Unbiased financial insights you won\u2019t find anywhere else<\/strong> – for sure!<\/p>\n\n\n\n

Money Talks With Steve<\/h1>\n\n\n\n

Empower Your Employees with Financial Literacy \u2013 Tailored, Engaging, and Accessible Education<\/p>\n<\/div>\n\n\n\n

\n
Let’s Connect \u2192<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n
\n
\n

What We Do<\/h2>\n\n\n\n

Looking for a presentation that\u2019s truly unique and impactful? My money management talks are designed to boost your team\u2019s productivity, engagement, and happiness\u2014all while giving them practical, easy-to-use financial knowledge they\u2019ll appreciate. <\/p>\n\n\n\n

With a 100% recommendation rating, I\u2019m committed to delivering sessions that employees genuinely enjoy and value, leaving them feeling empowered and grateful for the opportunity. Give your team a presentation experience they won\u2019t find anywhere else!<\/p>\n<\/div>

\"\"<\/figure><\/div>\n\n\n\n
\n\n\n\n

Why it Matters<\/h2>\n\n\n\n
\n
\n
\n

77% <\/strong><\/p>\n\n\n\n

of employees report that financial <\/strong>
stress affects their productivity<\/strong>
(PwC, 2023)<\/p>\n<\/blockquote>\n<\/div>\n\n\n\n

\n
<\/div>\n\n\n\n

When your team is financially confident, they\u2019re less stressed and more focused at work. Research shows that financially well employees are more productive, have better attendance, and are more engaged. By investing in their financial wellness, you\u2019re creating a happier, healthier, and more productive workplace.<\/p>\n<\/div>\n<\/div>\n\n\n\n

\n

<\/p>\n<\/blockquote>\n\n\n\n

\n
\n
\"\"<\/figure>\n<\/div>\n\n\n\n
\n
\"\"<\/figure>\n<\/div>\n\n\n\n
\n
\"\"<\/figure>\n<\/div>\n\n\n\n
\n
\"\"<\/figure>\n<\/div>\n<\/div>\n\n\n\n
\n\n\n\n

Why Steve?<\/h2>\n\n\n\n

Recognized for my expertise, I\u2019ve been invited to develop continuing education courses for fellow financial professionals and have contributed as an exam marker for the Certified Financial Planner (CFP) designation. <\/p>\n\n\n\n

These are the differentiators that set my money management talks apart<\/p>\n\n\n\n

\n
\n
\"\"<\/figure>\n\n\n\n
\n
\n

Straightforward, <\/strong>
Advice-Only Learning<\/strong><\/p>\n<\/div>\n\n\n\n

As an advice-only planner, I sell no financial products. This means your employees get objective advice, free of any sales pitch or conflict of interest.<\/p>\n<\/div>\n<\/div>\n\n\n\n

\n
\"\"<\/figure>\n\n\n\n
\n
\n

A Fiduciary <\/strong>
You Can Trust<\/h3>\n<\/div>\n\n\n\n

I\u2019m here to put your employees\u2019 best interests first, acting as a fiduciary who genuinely cares about their financial well-being.<\/p>\n<\/div>\n<\/div>\n\n\n\n

\n
\"\"<\/figure>\n\n\n\n
\n
\n

 A Decade<\/strong>
Of Experience <\/strong><\/h3>\n<\/div>\n\n\n\n

I know the challenges people face. I focus on education so people can understand their options and make decisions in their best interest.<\/p>\n<\/div>\n<\/div>\n\n\n\n

\n
\"\"<\/figure>\n\n\n\n
\n
\n

CAPS Designated
Speaker<\/h3>\n<\/div>\n\n\n\n

I bring energy, humour, and engaging insights to each session, making financial literacy practical, useful and even fun.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

\n\n\n\n
\n

Presentations That Make a Difference.<\/h2>\n\n\n\n

I offer a range of engaging, practical financial education sessions designed to help employees feel more confident and in control of their money

From building strong financial foundations and making sense of taxes to investing, retirement planning, and everyday money decisions, each session is tailored to be clear, relatable, and easy to put into action. These presentations not only improve financial well-being but also reduce stress, boost focus, and create more satisfied, productive employees.<\/p>\n<\/div>\n\n\n\n

\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
\n
Your Money, Your Foundation: A Real-World Guide to Financial Well-Being<\/strong><\/strong><\/summary>\n

Ever feel like your money disappears faster than it should? This session dives into the foundations of successful money management in a way that\u2019s practical, relatable, and easy to put into action. Participants will learn how to connect financial decisions to real-life goals, gain clarity on income and spending, and create a budgeting system that fits their lifestyle (not the other way around).<\/p>\n\n\n\n

We\u2019ll explore the power of understanding net worth, managing cash flow, and avoiding the costly trap of lifestyle inflation. Along the way, participants will discover smart savings strategies, tips to stretch every dollar, and how to build a safety net with an emergency fund.<\/p>\n\n\n\n

Attendees leave with tools and insights that make managing money feel less overwhelming and more empowering\u2014helping reduce stress, improve decision-making, and set the stage for lasting financial well-being.<\/p>\n<\/details>\n\n\n\n

<\/p>\n\n\n\n

Taxes Demystified: Keep More of Your Money<\/strong><\/strong><\/summary>\n

For many people, taxes feel confusing, and the result is that they miss out on opportunities to keep more of their hard-earned money. This session makes Canada\u2019s tax system easy to understand, with a focus on the simple, practical strategies employees can use right away to lower taxes and boost savings.<\/p>\n\n\n\n

Through real-life examples, participants will discover how everyday accounts like RRSPs, TFSAs, RESPs, and the new First Home Savings Account (FHSA) can work together to reduce tax bills and accelerate long-term financial success.<\/p>\n\n\n\n

The result? Employees leave feeling empowered, less stressed about taxes, and better equipped to make smart decisions that improve both their financial well-being and their future security.<\/p>\n<\/details>\n\n\n\n

Making Retirement Make Sense <\/strong><\/strong><\/summary>\n

Retirement can be a rewarding and fulfilling chapter\u2014but only if you understand how all the pieces fit together, know where your income will come from, and have a clear sense of how much you can spend. This session breaks retirement planning into clear, practical steps that give employees a roadmap to a secure, well-prepared, and confident retirement.<\/p>\n\n\n\n

We\u2019ll cover how to figure out what\u2019s really needed for retirement, where income will come from, and how to make the most of different sources\u2014whether that\u2019s personal savings, government benefits like CPP and OAS, or a workplace pension if one is available. Participants will also explore the impact of taxes, strategies for deciding when to start government benefits, and how all the pieces fit together into a personalized plan.<\/p>\n\n\n\n

Beyond the numbers, this session highlights lifestyle choices, supporting family, and what it takes to create a retirement that is not only financially secure but also enjoyable and meaningful. Attendees leave with a clearer roadmap and peace of mind that retirement can be both achievable and rewarding.<\/p>\n<\/details>\n\n\n\n

<\/p>\n\n\n\n

The Essential Guide to Investing<\/strong><\/strong><\/summary>\n

Investing is one of the most important steps in building long-term financial security, but it can feel complex\u2014with endless opinions and conflicting advice making it hard to know what to do. This session takes the mystery out of investing by focusing on four key principles that anyone can understand and apply.<\/p>\n\n\n\n

Participants will learn how investment fees can quietly erode long-term returns, why behaviour often matters more than market performance, and how to make smarter choices that build lasting wealth.<\/p>\n\n\n\n

The goal isn\u2019t to turn employees into financial experts\u2014it\u2019s to give them the clarity and confidence to make sound investment decisions, reduce stress, and feel more secure about their financial future.<\/p>\n<\/details>\n\n\n\n

Cutting Through the Noise: Misinformation and Sales Tactics<\/strong> in Personal Finance<\/strong><\/strong><\/summary>\n

The financial world can be confusing\u2014and often, the loudest voices aren\u2019t the most trustworthy. From slick sales tactics to misleading social media \u201cadvice,\u201d employees are constantly exposed to information that can derail their financial well-being.<\/p>\n\n\n\n

This eye-opening session helps participants cut through the noise by learning how to spot biased or sales-driven advice, avoid hidden fees and unnecessary products, and protect themselves from costly mistakes.<\/p>\n\n\n\n

Attendees walk away with clear strategies, practical tools, and the confidence to make smarter financial decisions on their own terms\u2014without falling prey to myths, misinformation, or pressure tactics.<\/p>\n\n\n\n

<\/p>\n<\/details>\n\n\n\n

Connecting the Dots: Your Financial Roadmap<\/strong><\/strong>
<\/summary>\n

Financial planning can be straightforward and highly rewarding when all the pieces are in place. This session provides a practical overview of the key building blocks for long-term financial security.<\/p>\n\n\n\n

Participants will explore the essentials like understanding cash flow, tracking net worth, and setting meaningful goals\u2014while also learning strategies for managing taxes, investing wisely, and protecting their future with insurance and estate planning. We\u2019ll also look at long-term goals such as retirement and financial independence, tying it all together into one approachable framework.<\/p>\n\n\n\n

Employees leave with a big-picture understanding of how the different pieces of financial planning connect, plus actionable steps they can take right away to feel more confident, organized, and in control of their money.<\/p>\n<\/details>\n\n\n\n

Money Matters: The Stuff You Didn’t Know You Needed to Know<\/strong><\/summary>\n

Money decisions show up everywhere\u2014whether it\u2019s housing, cars, insurance, or even understanding your credit score. This engaging session brings together a mix of everyday financial topics to help employees feel more confident and informed in the choices they face.<\/p>\n\n\n\n

We\u2019ll demystify credit scores and reports, explain the real cost of car loans and how interest works, and look at what to consider when buying versus renting a home. Participants will also learn the essentials of life and disability insurance, spot common scams, and explore key steps in estate planning to \u201cget their ducks in a row.\u201d<\/p>\n\n\n\n

It\u2019s a practical, wide-ranging session designed to boost financial savvy across multiple areas\u2014without the overwhelm. Employees walk away with tools and insights they can use immediately in their daily lives.<\/p>\n\n\n\n

<\/p>\n<\/details>\n<\/div>\n\n\n\n

<\/div>\n<\/div>\n\n\n\n

I can also create a bespoke presentation for your team. Sessions can be as short as an hour or stretch into a full-day workshop\u2014and in my experience, the longer we have, the more engaging and impactful it becomes.<\/p>\n\n\n\n

In addition to workplace sessions, I also deliver keynotes and conference breakout sessions<\/strong>\u2014bringing financial well-being topics to life in a way that\u2019s accessible, interactive, and memorable for audiences of all sizes.<\/p>\n<\/div>\n\n\n\n

\n

Watch Steve in Action<\/h2>\n\n\n\n
\n
\n
\n