Perspective

Wishing you and yours all of the very best for the holiday season.  May 2026 bring you good health, prosperity and much happiness.  It is my honour to be part of your financial journey and I look forward to the next year.  

It’s been a year full of unexpected turns and meaningful progress. When we choose to maintain a positive perspective, even the toughest challenges become more manageable with patience, time, and a thoughtful process.

As the holidays approach, I encourage you to pause and reflect on the achievements, growth, and resilience you’ve shown throughout the year. In this edition, we’ve also included a few ideas to help clear the path forward and step confidently into 2026.

The Market Ethos looks at the final stretch of 2025 with an overview of the year

All the best of the holiday season

Harness Investment Management

Market Ethos

The Final Stretch

Despite high client nervousness, 2025 was a solid year for markets. Underlying fundamental trends delivered, as the economy remained decent and earnings posted growth. In this Ethos, we note that while Canadian banks are integral to the TSX and have delivered solid returns, their current high valuation is historically expensive. We look abroad for value, pointing to the continued outperformance of international banks, and discuss the secular change in Japanese corporate governance that continues to provide a tailwind for equities. We also provide an update on our market cycle indicators and portfolio positioning. 

Read the article here

Perspective Is Like Emotion - Short Lived

Perspective is more th=an how we see something, it’s how we interpret and prioritize what we see. It shapes our decisions, our emotions, and ultimately, our results. It’s the lens through which we view both our challenges and our ambitions.

Last week, as I was driving south into downtown Calgary across the Centre Street Bridge, I had a clear view of the skyline. The Bow Tower stood tall and commanding, seemingly the only thing that mattered in the landscape ahead. The Calgary Tower, a familiar landmark, appeared tiny in comparison, almost insignificant. But only moments later, as I progressed further down the road, the Bow Tower slipped behind me and the Calgary Tower shifted into focus. Suddenly, it wasn’t small at all.  It was impressive, centre stage, and impossible to miss.

It struck me how similar this is to our own mindset and the goals we create for ourselves.

When we face a challenge whether a financial worry, uncertainty at work, a life transition, that concern tends to dominate the entire frame.  It becomes the only thing we see.  And while our goals remain in the distance, like the Calgary Tower, they can look small, perhaps even unattainable… simply because they aren’t front and centre right now.

But perspective shifts with movement. As we take small, intentional steps forward, what once seemed enormous can fade into the background.  And those distant dreams?  They grow larger, more detailed, more possible.

As we approach 2026, this is a powerful mindset to carry with us. Be aware of what is present, and stay excited about what is in the distance. So how does this relate to finances?  Financial planning is the art of balancing today with tomorrow.  It is acknowledging the demands immediately in front of us like bills, family needs, market noise, all while still nurturing the life we ultimately want to build.

• Sometimes the urgent overshadows the important.

• A short-term concern eclipses a long-term vision.

We lose sight of goals that truly matter financial independence, security for loved ones, the ability to support causes close to our hearts, or even the freedom to work because we want to, not because we have to.

Shifting perspective doesn’t erase challenges — but it allows us to give them appropriate size. It reminds us that our future goals deserve focus and space in the picture too.

As we step into a new year, I encourage you to take a moment to notice what currently feels like the “Bow Tower” in your life. Then look ahead. What dream, what desire, what possibility is waiting to become your main focus?

A small shift in view can change the entire direction of your financial journey.  Let’s meet and discuss how to formulate your next steps.

10 Things To Do Now...to start 2026 with a clear mindset Declutter – your electronics, any apps that your have not used in the last 6 months Review programs on your pc that require renewal in 2026.  Are they still relevant to you and your needs Refresh friendships with a card or in person connect Review your finances – look over the last 3 months of your bank and credit card statements – what items would you like to spend less or more on in 2026 Peruse your photos on your phone – what highlights would you like to reflect upon?  Chose one, print it and put it in a frame Do one random act of kindness over the season What habits have you made over the year that served you? What habits would you like to refine going to 2026 Write down 3 priorities you would like to accomplish by year end Take a moment to yourself to reflect and appreciate, people, activities, places, experiences, you deserve it.

Karen Boudewyn, Senior Wealth Advisor

Core Wealth Solutions

Tel: 250.217.7533 || 403.457.2290

Email: karen.boudewyn@corewealthsolutions.com