Hello Athletes, Agents, Parents, Trainers & others,

We sincerely hope your July was packed with rewarding workouts, sunshine and downtime with loved one’s. As we enter August—the final chapter of summer—and you begin to ponder the upcoming season, it’s natural to experience a mix of emotions, from anxiety and eagerness to excitement and nervousness. Please remember, whatever you’re feeling, we’re here to support you and assist with the transition.

In this Issue:

Greg Gardner added to the Roster
Peyton Kettles Canada U18 Team
Joshua Ravensbergen World Junior look
Can You Guess Who Wins?
Why Do We Spend? A Helpful Neuroeconomic Lesson
SURPRISE – YOU’RE MARRIED !
GE Aerospace – Recently Purchased

Highlights

Greg Gardner

We are thrilled to welcome the newest member of our team !

Greg is a distinguished figure in the hockey world, holding the record for “Most Games Played” with the Prince George Cougars of the WHL, with a remarkable 338 games. He recently served as the Chief Operating Officer of the WHL head office, bringing a wealth of experience and insight to our organization. Following his playing career in the WHL, Greg showcased his leadership skills as captain of the Alberta Golden Bears, where he played 5 years while earning a university degree, and later joined the Colorado Eagles in the ECHL for three seasons.

Adding to his impressive athletic achievements, Greg also holds a Master’s Degree in Business. His extensive background in both the operational and playing aspects of hockey makes him an invaluable addition to our team. We are excited to integrate Greg into our network of hockey families and leverage his expertise to continue providing top-tier advice and support.

Welcome to the Dream Team Greg !

Peyton Kettles

Winnipeg’s own rising star Peyton Kettles was added to the National U18 Team line-up after a strong development camp, and will be representing Canada in the Hlinka Gretzky Cup beginning August 3rd in Edmonton. Peyton had an impressive season on the Swift Current Bronco’s blueline and is working tirelessly to continue turning heads ahead of the 2025 NHL Draft.

Congrats Peyton and Good Luck !

Joshua Ravensbergen

North Vancouver’s Joshua Ravensbergen earned himself an invite to the Canadian World Juniors summer showcase camp following an impressive rookie season with the Prince George Cougars. Joshua tied the rookie record for shutouts (6), posted a regular season record of 26-4-1, with a GAA of 2.46, and SV% .907 (if you don’t speak goalie, that’s really good and really really really good for a 17 year old!)

Amazing Accomplishment Joshua, Keep at it !

Insights

Your Long-Term Financial Success is NOT determined by where you play… it is determined by your habits, how soon you start and the rate at which your investments grow.

To prove this point, we randomly selected three players with different career paths and crunched some numbers like we do.

Can you guess which player has the largest investment account by age 65?

Player 1: Retires at 28, Total Hockey Career Earnings $980,000

Saves and invests $230,000 before age 35, no more contributions
Investment rate 5%

Player 2: Retires at 28, Total Hockey Career Earnings $2,200,000

Saves and invests $546,000 before age 35, no more contributions
Investment rate 2%

Player 3: Retires at 24, Total Hockey Career Earnings $0

Saves and invests $120,000 before age 35, no more contributions
Investment rate 8%

The lesson to be learned here in really small font while we have your attention is that even if you start early, and you do a good job of saving, if you don’t find businesses that continue to increase their value (and share price) over time, you only have 2 pieces of the puzzle to be successful.

***Answer Player 3 = $1.9M, Player 1 = $1.8M, Player 2 = $1.3M

Why Do We Spend?

What in our brains leads us to spend, and what leads us to save? This article shares some fascinating details about the chemicals at play that persuade and influence our decision making abilities (which is honestly frightening), but knowing where that little voice comes from can give us a huge advantage over controlling urges to spend.

Why Do We Spend?

SURPRISE – YOU’RE MARRIED ?!

Understanding common law is crucial for Professional Athletes, especially given their unique circumstances in terms of contracts, endorsements, and personal relationships.

Common law status can affect your financial rights and responsibilities, similar to those of married couples, including matters of child & spousal support, division of property, and debts if the relationship ends.

Definition of Common Law Relationships:

In Canada, for federal tax purposes common law relationships are recognized when two people live together in a “conjugal” relationship for 12 continuous months (or who share a child by birth or adoption). But it’s important to know that Family Law falls under Provincial Law, so the exact time can vary by province (detailed below).

What About Canadians Living in the U.S.?

When Canadians living in common law relationships move to the U.S., they encounter a different legal landscape that can significantly affect their rights and responsibilities.

Varied State Recognition

Unlike Canada, where common law relationships are widely recognized and have legal implications similar to marriage, the U.S. varies significantly by state. Only a few states recognize common law marriages, and the criteria can differ substantially from those in Canada.

Please Note *** This is not intended to be legal advice, rather a topic of conversation for you and a legal representative. If you are unsure about your situation, please reach out and we will connect you with somebody who can provide you with answers.

*These timelines do not apply in most cases when a couple share a child by birth or adoption

Recent Purchase in the VPI Dividend Growth Pool

In June, the Portfolio Manager established a $20.4 Million position in GE Aerospace for the VPI Dividend Growth Pool

What is GE Aerospace?

General Electric, now operating as GE Aerospace is a world leading provider of jet and turboprop engines, as well as integrated systems for commercial, military, business, and general aviation aircrafts. This new structure allows General Electric to focus on its core jewel aerospace asset.

Reasons for Purchase

GE Aerospace is a leading player in the aerospace industry, known for its innovation and cutting-edge technology
Strong management team committed to returning significant cash to shareholders via buybacks and dividends
Revenues from service segment that provides steady and growing revenue stream augmented by strong partnerships with major aircraft manufacturers that ensures a steady demand for GE engines

We understand you have a lot on your plate, so please feel free to reach out if you are curious or concerned about growing & protecting your wealth efficiently. Financial stress does not allow you to achieve your full potential, we are here to help.

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