{"id":758,"date":"2025-09-30T16:59:03","date_gmt":"2025-09-30T16:59:03","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/?p=758"},"modified":"2026-09-02T15:29:33","modified_gmt":"2026-09-02T15:29:33","slug":"q3-2025-newsletter-insights","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/","title":{"rendered":"Q3 2025 – Newsletter Insights"},"content":{"rendered":"

The Illusion of Speed<\/span><\/p>\n

 <\/p>\n

It has been said that <\/span>\u201cthere are decades where nothing seems to happen, and there are weeks where decades happen.\u201d<\/em><\/span> The sweeping global tariffs, announced by the U.S. on April\u2019s \u201c<\/span>Liberation Day,<\/em><\/span>\u201d caught the world off guard\u2014disrupting long-held norms in global trade and world order. This may signal the beginning of a new chapter\u2014one where political disruption, rapidly shifting policies and the velocity of digital information collide.<\/span><\/span><\/p>\n

 <\/p>\n

We\u2019ve seen a wave of financial market volatility triggered by how rapidly these changes were communicated\u2014and perceived. In today\u2019s hyper-connected world, the pace of modern life has never been faster. That same urgency has seeped into the way we make decisions.<\/span><\/p>\n

 <\/p>\n

Technology underpins this behavioural shift. The average investor now holds a stock for just months\u2014down dramatically from the multi-year horizons of previous generations.<\/span>1<\/sup><\/span> A recent study found that many retail investors spend less time researching a stock than they do reading a restaurant menu.<\/span>2<\/sup><\/span> The result? Decisions are driven more by momentum and emotion than thoughtful, long-term planning.<\/span><\/span><\/p>\n

 <\/p>\n

Markets, too, have become increasingly reflexive. April\u2019s rapid selloff, followed by the swift recovery in May, shows how quickly sentiment can shift.<\/span><\/p>\n

 <\/p>\n

Similarly, the U.S. administration\u2019s approach has been characterized by rapid disruption, with some describing it as a \u201c<\/span>move fast and break things<\/em><\/span>\u201d approach.<\/span>3<\/sup><\/span> The speed at which new policies are introduced amplifies the perception of urgency\u2014even when outcomes remain uncertain, or when policies may later be changed\u2014or even reversed.<\/span><\/span><\/p>\n

 <\/p>\n

Yet amid this policy whiplash, a shift may be taking place: a move away from globalization toward greater national protectionism, security and economic self-sufficiency. This pivot has raised deeper questions about the role of the U.S. as the dominant superpower. During April\u2019s volatility, a sharp selloff in U.S. Treasurys raised concerns\u2014particularly as China, which holds about one-sixth of all foreign-owned U.S. Treasurys, has been increasing its gold reserves. Subdued demand for the U.S. dollar\u2014once the default safe haven\u2014has prompted questions about its future as the global reserve currency. Since the start of the year, its value has fallen by around 9 percent<\/span>4<\/sup><\/span>\u2014a rare and significant drop. Questions about waning confidence in U.S. global leadership have emerged. To paraphrase one analyst: \u201c<\/span>You can\u2019t antagonize and influence at the same time<\/em><\/span>.\u201d<\/span><\/span><\/p>\n

 <\/p>\n

This environment should serve as a reminder: speed does not always equate to change. The illusion of speed\u2014fueled by technology and policy turbulence\u2014can distort our sense of urgency and lead us to chase headlines rather than stay grounded in fundamentals. It\u2019s a dynamic that can leave investors vulnerable to short-term noise. Investing, at its core, rewards patience.<\/span><\/p>\n

 <\/p>\n

While the events of April may already feel like a distant memory, it\u2019s understandable that the market movements were unsettling for many. If you have friends or family who could benefit from<\/span> our<\/span> approach,<\/span> we<\/span> would be happy to offer support.<\/span> We have<\/span> navigated these challenging times before and continue to provide value through a disciplined process.<\/span><\/span><\/p>\n

 <\/p>\n

After a spring marked by \u2018<\/span>weeks where decades seemed to happen<\/em><\/span>,\u2019 may your summer days be filled with many slow and relaxing moments.<\/span><\/span><\/p>\n

 <\/p>\n

1. https:\/\/www.visualcapitalist.com\/the-decline-of-long-term-investing\/; 2. https:\/\/www.wsj.com\/finance\/investing\/buying-stocks-research-study-2a839a4a; 3. A term coined in the tech industry; 4. To end of May, per ICE U.S. Dollar Index.<\/span><\/p>\n

 <\/p>\n

Bridging the Housing Affordability Gap<\/span><\/span><\/p>\n

Supporting a Home Purchase? Five Questions to <\/span>Ask <\/span><\/p>\n

 <\/p>\n

Without a doubt, home ownership has become increasingly out of reach for younger generations (chart, bottom right). Canadian home prices have risen faster than in any other G7 country\u2014nearly quadrupling over 40 years (graph, top). As such, many families are stepping in to help.<\/span><\/p>\n

 <\/p>\n

Beyond easing financial stress, this support can have added benefits. Many high-net-worth individuals value the opportunity to see their wealth in action during their lifetime. Lifetime gifting can also simplify estate administration and, depending on province, may reduce probate fees.<\/span><\/p>\n

 <\/p>\n

Still, meaningful support requires thoughtful planning to avoid unintended consequences. Here are five key questions to consider:<\/span><\/p>\n

 <\/p>\n

1. How will this impact my own finances?<\/span><\/strong> Many people draw from lifetime savings to provide support. It\u2019s essential to assess how this could affect your long-term financial security\u2014especially given increased life expectancy and the rising cost of long-term care.<\/span><\/span><\/p>\n

 <\/p>\n

2. How do I structure my support? <\/span><\/strong>Support can take many forms, including gifting cash, loaning funds, co-signing a mortgage or purchasing a property in your own name\u2014each with different tax and family law implications.* Remember, gifting means giving up control. Smaller, ongoing support may allow the recipient to leverage tax-advantaged tools like the Tax-Free Savings Account (TFSA) or First Home Savings Account.<\/span><\/span><\/p>\n

 <\/p>\n

3. What are the family law implications?<\/span><\/strong> If the recipient is in a relationship that ends, gifts or property could be subject to division, depending on provincial family law. There may be ways to protect the intent of your support, such as through the use of formal ownership agreements or cohabitation agreements.<\/span>*<\/span><\/span><\/p>\n

 <\/p>\n

4. Are there tax implications?<\/span><\/strong> While Canada has no gift tax, some arrangements can trigger taxable events. For example, co-owning a property with the recipient may protect your share, but if it\u2019s not your principal residence, you could face capital gains tax upon its sale or disposition. Large gifts from taxable investment accounts could also trigger capital gains or income tax.<\/span><\/span><\/p>\n

 <\/p>\n

5. Will this affect my estate plan?<\/span><\/strong> If you have multiple children who are intended beneficiaries, a gift to one child can affect how you equalize your estate. A strategic approach might include integrating gifting into an estate equalization plan\u2014through lifetime gifts or testamentary planning using trusts or insurance.<\/span><\/span><\/p>\n

 <\/p>\n

*Consult legal and tax professionals to understand the implications of any strategy.<\/span><\/p>\n

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

 <\/p>\n

Housing Costs Over 40 Years: Kids Today May Have It Harder<\/span><\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n\n
\n

.<\/span><\/span><\/p>\n<\/td>\n

\n

1984<\/span><\/strong><\/p>\n<\/td>\n

\n

2012<\/span><\/strong><\/p>\n<\/td>\n

\n

Today<\/span><\/strong><\/p>\n<\/td>\n

\n

% Change from 1984<\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Average home cost<\/span><\/strong><\/p>\n<\/td>\n

\n

$76,214<\/span><\/p>\n<\/td>\n

\n

$369,677<\/span><\/p>\n<\/td>\n

\n

$712,200<\/span>*<\/span><\/p>\n<\/td>\n

\n

+834%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

Median family income<\/span><\/strong><\/p>\n<\/td>\n

\n

$48,500<\/span><\/p>\n<\/td>\n

\n

$71,700<\/span><\/p>\n<\/td>\n

\n

$107,663<\/span>**<\/span><\/p>\n<\/td>\n

\n

+122%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

Price-to-income ratio<\/span><\/strong><\/p>\n<\/td>\n

\n

1.57 <\/span><\/p>\n<\/td>\n

\n

5.16 <\/span><\/p>\n<\/td>\n

\n

6.62 <\/span><\/p>\n<\/td>\n

\n

+321%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

5-yr. fixed mortgage<\/span><\/strong><\/p>\n<\/td>\n

\n

14.96%<\/span><\/p>\n<\/td>\n

\n

4.23%<\/span><\/p>\n<\/td>\n

\n

4.70%<\/span>***<\/span><\/p>\n<\/td>\n

\n

\u201369%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

75% mortgage value<\/span><\/strong><\/p>\n<\/td>\n

\n

$57,161 <\/span><\/p>\n<\/td>\n

\n

$277,258<\/span><\/p>\n<\/td>\n

\n

$534,150 <\/span><\/p>\n<\/td>\n

\n

+834%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

Monthly payment <\/span>(25 yr.)<\/span><\/strong><\/p>\n<\/td>\n

\n

$711<\/span><\/p>\n<\/td>\n

\n

$1,493<\/span><\/p>\n<\/td>\n

\n

$3,016<\/span><\/p>\n<\/td>\n

\n

+324%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

Payment-to-income ratio<\/span><\/strong><\/p>\n<\/td>\n

\n

17.6%<\/span><\/p>\n<\/td>\n

\n

25.0%<\/span><\/p>\n<\/td>\n

\n

33.6%<\/span><\/p>\n<\/td>\n

\n

+91%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

Lifetime interest cost<\/span><\/strong><\/p>\n<\/td>\n

\n

$156,034 <\/span><\/p>\n<\/td>\n

\n

$170,704 <\/span><\/p>\n<\/td>\n

\n

$370,665 <\/span><\/p>\n<\/td>\n

\n

+138%<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

*National benchmark, April 2025: https:\/\/wowa.ca\/reports\/canada-housing-market. **StatCan Table 11-10-0190-01, 2022 figure (after tax) with 2.56% annual wage growth in 2023-25. ***Avg. major banks\u2019 five-year fixed rate, April 28, 2025. Historical data source: \u201c2012 vs 1984: Yes, Young Adults Do Have It Harder Today,\u201d R. Carrick. Globe & Mail, 8 May 2012, B12. <\/span><\/p>\n

.<\/span><\/span><\/p>\n

Macroeconomic perspectives<\/span><\/span><\/p>\n

A Credit Downgrade: What\u2019s in a Rating?<\/span><\/p>\n

 <\/p>\n

In May, Moody\u2019s downgraded the U.S. credit rating from the top Aaa to Aa1. This move by one of the major credit rating agencies\u2014S&P and Fitch are the other two\u2014raised the question: Does a downgrade matter?<\/span><\/p>\n

 <\/p>\n

First, what is a rating?<\/span><\/strong> A credit rating assesses a borrower\u2019s ability and willingness to repay debt. Unlike personal credit scores, which typically range from 300 to 900, government credit ratings are expressed as letter grades, with AAA representing the highest quality and lowest risk. A downgrade implies an increasing likelihood that a government may default on its bonds.<\/span><\/span><\/p>\n

 <\/p>\n

Why does this matter?<\/span><\/strong> A downgrade generally means investors demand higher interest rates to compensate for added risk. Higher interest payments raise the cost of government borrowing. To sustain spending, more bonds must be issued\u2014further increasing the debt burden. In the U.S., interest payments have become the second-largest federal expense, surpassing defence spending in 2024.<\/span><\/span><\/p>\n

 <\/p>\n

While credit downgrades can shake investor confidence, equity markets had a muted response, briefly jittering. This was partly because the move wasn\u2019t a surprise, lagging similar downgrades by Fitch in 2023 and S&P in 2011. However, bond prices have come under pressure, sending yields higher, with the 30-year rate surpassing 5 percent in May. It comes at a time when a Republican tax bill rekindled debate about the sustainability of the U.S. deficit and spending.<\/span><\/p>\n

 <\/p>\n

There are likely to be ripple effects. A surge in U.S. mortgage rates may dampen consumer spending. Credit card and auto loan rates are less likely to be affected, as they tend to follow the federal funds rate more directly.<\/span><\/p>\n

 <\/p>\n

Why is this significant for Canada? <\/span><\/strong>Canada is among the few nations still holding the top credit rating from at least two major agencies. Fitch downgraded Canada in 2020 due to pandemic-related spending. While Canada\u2019s credit outlook remains stable, a downgrade would be unwelcome. Net debt is not out of step with other AAA-rated economies, but gross debt levels are high, and rising interest rates would raise debt-servicing costs\u2014straining future budgets. The heightened focus on global debt may help explain why Prime Minister Carney has opted to delay the release of the federal budget, usually delivered in the spring. Credit agencies continue to evaluate sovereign debt positions, and the U.S. downgrade follows a move by Moody\u2019s to downgrade France at the end of 2024.<\/span><\/span><\/p>\n

 <\/p>\n

thinking ahead: <\/span><\/span><\/p>\n

Planning a Tax-Efficient Withdrawal Strategy<\/span><\/p>\n

 <\/p>\n

\u201cA dollar\u2019s value depends on the tax trail it travels.\u201d <\/em><\/span><\/strong><\/span><\/p>\n

How and when you access your income sources can influence the taxes you pay, your eligibility for government benefits and your long-term financial health. Whether you\u2019re accumulating wealth, transitioning between career stages or planning for retirement, a tax-efficient withdrawal strategy can make a meaningful difference. Here is a brief look at common income sources and ideas to help you optimize withdrawals or manage income streams more effectively:<\/span><\/p>\n

 <\/p>\n

Non-Registered Accounts<\/span><\/strong> \u2014 Tax treatment depends on the type of income: interest (fully taxable), dividends (eligible for a dividend tax credit) or capital gains (50 percent is taxable). Tax-loss harvesting can offset capital gains to reduce your overall tax bill.<\/span><\/span><\/p>\n

 <\/p>\n

Registered Retirement Savings Plan (RRSP) <\/span><\/strong>\u2014 Withdrawals are fully taxable and subject to withholding tax. Importantly, once funds are withdrawn, contribution room is permanently lost.<\/span><\/span><\/p>\n

 <\/p>\n

TFSA<\/span><\/strong> \u2014 Offers significant benefits as growth is tax free and withdrawals are not taxed. This means withdrawals do not affect income-tested government benefits. Any amount withdrawn can be recontributed in the following calendar year.<\/span><\/span><\/p>\n

 <\/p>\n

Employment Income<\/span><\/strong> \u2014 If you continue to work while drawing income from other sources, consider how employment income will stack with taxable withdrawals. In high-income years, deferring benefits (if possible) or adjusting other withdrawals may help reduce the overall tax burden.<\/span><\/span><\/p>\n

 <\/p>\n

Here are additional considerations for those nearing retirement:<\/em><\/span><\/strong><\/span><\/p>\n

Canada\/Quebec Pension Plan (CPP\/QPP) <\/span><\/strong>\u2014 CPP\/QPP benefits are taxable income. Timing matters: starting early reduces benefits by 7.2 percent per year before age 65. Delaying increases payments by 8.4 percent per year after age 65, to a maximum of 42 percent by 70. The total benefit received can impact income level and tax situation.<\/span><\/span><\/p>\n

 <\/p>\n

Old Age Security (OAS) <\/span><\/strong>\u2014 OAS is a taxable benefit starting at age 65. If you expect higher income later in life, here are two considerations: <\/span>i) Clawback<\/em><\/span><\/strong>\u2014If net income exceeds $93,454 (2025), OAS is reduced by 15 percent of the excess. At $151,668 (ages 65 to 74), it is fully clawed back; and <\/span>ii) Delaying OAS<\/em><\/span><\/strong>\u2014This increases the benefit up to 36 percent by age 70.<\/span><\/span><\/p>\n

 <\/p>\n

Registered Retirement Income Fund (RRIF)<\/span><\/strong> \u2014 Mandatory RRIF withdrawals begin the year after the RRIF is opened, increasing taxable income. Some choose to begin RRSP withdrawals earlier to manage future tax exposure or reduce the risk of triggering the OAS clawback.<\/span><\/span><\/p>\n

 <\/p>\n

Company Pension<\/span><\/strong> \u2014 Pension income is taxable. After age 65, the pension tax credit may help offset the tax liability. Consider timing your pension\u2019s start with other sources of income to manage your tax liability.<\/span><\/span><\/p>\n

 <\/p>\n

Don\u2019t Forget: Income Splitting <\/span><\/strong>\u2014 Couples can sometimes lower their combined tax burden by splitting certain types of income, especially when one has significantly higher income. For retirees, shifting eligible pension income may reduce taxes or the OAS clawback. In cases of continued employment, coordinating taxable income (particularly after 65) may yield tax savings over time. Planning together can lead to better outcomes.<\/span><\/span><\/p>\n

 <\/p>\n

Building a tax-efficient income plan involves many moving parts. Knowing how and when to draw income may help reduce taxes and preserve benefits. Alongside tax advisors, we can help develop a strategy that balances cash flow needs, tax implications and government benefits to support your long-term financial goals.<\/span><\/p>\n

 <\/p>\n

perspectives on market volatility<\/span><\/span><\/p>\n

The Merits of Hanging <\/span>i<\/span>n (& Why April Felt So Bad)<\/span><\/p>\n

 <\/p>\n

It\u2019s been a wild ride this year\u2014and we\u2019re only halfway through.<\/span><\/p>\n

 <\/p>\n

If April\u2019s market movements felt unsettling, you weren\u2019t mistaken. While volatility is a natural part of equity markets, the magnitude of April\u2019s decline was unusual. A two-day drop of more than 10 percent in the S&P 500, seen over April 3 and 4, is rare and has occurred only four times since 1980: on Black Monday in 1987, twice during the 2008 Global Financial Crisis (GFC) and in the early days of the 2020 pandemic.<\/span><\/p>\n

 <\/p>\n

It\u2019s worth repeating: while it might feel tempting to exit the markets during turbulent periods, doing so can come at a cost. One reason is that some of the best-performing days often follow the worst. Exiting the markets after a decline may mean missing out on these gains, which can then make re-entering even more difficult. We saw this play out in the spring when April\u2019s sharp drop was followed by a swift recovery in May.<\/span><\/p>\n

 <\/p>\n

While markets don\u2019t always rebound immediately, time has a powerful way of smoothing even the sharpest declines. In the year following the worst two-day drops, the S&P 500 posted an average gain of 36.3 percent. Similarly, after the largest one-day declines in the S&P\/TSX, the average one-year forward return was +34.6 percent.<\/span><\/p>\n

 <\/p>\n

One of the benefits of navigating through challenging markets like the GFC and the pandemic is that we have accumulated invaluable experience. Time and again, we are reminded that you can\u2019t keep the markets\u2014or the economy\u2014down for long.<\/span><\/p>\n

 <\/p>\n

Even the darkest nights eventually give way to dawn\u2014and patience remains one of an investor\u2019s great virtues.<\/span><\/p>\n

1. BMO Capital Markets, <\/span>U.S. Strategy Report<\/em><\/span>, April 6, 2025. 2. BMO Capital Markets, <\/span>Canadian Strategy Report<\/em><\/span>, April 6, 2025. Calculations based on BMO Capital Markets Investment Strategy Group calculations, Factset, Compustat, IBES.<\/span><\/span><\/p>\n

.<\/span><\/span><\/p>\n

S&P 500 Two-Day Declines & One-Year Forward Return<\/span>1<\/sup><\/span><\/strong><\/span><\/p>\n\n\n\n\n\n\n\n\n
\n

Date<\/span><\/strong><\/span><\/p>\n<\/td>\n

\n

Decline<\/span><\/strong><\/span><\/p>\n<\/td>\n

\n

1-Yr. Forward Return<\/span><\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n

\n

10\/19\/1987<\/span><\/p>\n<\/td>\n

\n

-24.6%<\/span><\/p>\n<\/td>\n

\n

+23%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

3\/12\/2020<\/span><\/p>\n<\/td>\n

\n

-13.9%<\/span><\/p>\n<\/td>\n

\n

+59%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

11<\/span>\/20\/2008<\/span><\/span><\/p>\n<\/td>\n

\n

-12.4%<\/span><\/p>\n<\/td>\n

\n

+45%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

11\/6\/2008<\/span><\/p>\n<\/td>\n

\n

-10.0%<\/span><\/p>\n<\/td>\n

\n

+18%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

Average<\/span><\/strong><\/span><\/p>\n<\/td>\n

\n

-15.2%<\/span><\/strong><\/span><\/p>\n<\/td>\n

\n

+36.3%<\/span><\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

.<\/span><\/span><\/p>\n

Largest S&P\/TSX One-Day Declines & One-Year Forward Return<\/span>2<\/sup><\/span><\/strong><\/span><\/p>\n\n\n\n\n\n\n\n\n\n
\n

Date<\/span><\/strong><\/span><\/p>\n<\/td>\n

\n

Decline<\/span><\/strong><\/span><\/p>\n<\/td>\n

\n

1-Yr. Forward Return<\/span><\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n

\n

3\/12\/2020<\/span><\/p>\n<\/td>\n

\n

-12.3%<\/span><\/p>\n<\/td>\n

\n

+51%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

10\/19\/1987<\/span><\/p>\n<\/td>\n

\n

-11.3%<\/span><\/p>\n<\/td>\n

\n

+6%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

3\/9\/2020<\/span><\/p>\n<\/td>\n

\n

-10.3%<\/span><\/p>\n<\/td>\n

\n

+27%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

3\/16\/2020<\/span><\/p>\n<\/td>\n

\n

-9.9%<\/span><\/p>\n<\/td>\n

\n

+53%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

12\/1\/2008<\/span><\/p>\n<\/td>\n

\n

-9.3%<\/span><\/p>\n<\/td>\n

\n

+36%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

Average<\/span><\/strong><\/span><\/p>\n<\/td>\n

\n

-10.6%<\/span><\/strong><\/span><\/p>\n<\/td>\n

\n

+34.6%<\/span><\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

.<\/span><\/span><\/p>\n

The Paradox of the Digital Natives: <\/span><\/p>\n

Help Others Protect Against Fraud and Scams<\/span><\/p>\n

 <\/p>\n

Which generation is more likely to fall for online scams? The answer may surprise you. Despite growing up immersed in digital technology since birth, younger generations\u2014often called \u201cdigital natives\u201d\u2014are statistically more likely to fall victim to online fraud.<\/span>1<\/sup><\/span> This is referred to as the <\/span>paradox of the digital natives<\/em><\/span>: early exposure to digital technologies does not equate to digital literacy.<\/span><\/span><\/p>\n

 <\/p>\n

Given the growing sophistication of online scams, it may be an ideal time to revisit some basic digital safety principles\u2014whether for younger family members, or for older adults who may be more vulnerable and in need of support.<\/span><\/p>\n

 <\/p>\n

Here are a handful of universal tips that may act as talking points to help protect against fraud:<\/span><\/p>\n

 <\/p>\n

Pause before you (re)act. <\/span><\/strong>Scammers often rely on urgency or emotional pressure\u2014though sophisticated scams may involve building trust over time. Slowing down can protect you from making mistakes.<\/span><\/span><\/p>\n

 <\/p>\n

\n
\n
\u2022<\/span>\u00a0<\/span>Be skeptical of messages that pressure you to act immediately<\/em><\/span><\/strong>\u2014especially those involving money or personal information.<\/span><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>\u201cTake Five, Tell Two:\u201d<\/em><\/span><\/strong> If you\u2019re unsure, pause for five minutes and speak to two trusted people.<\/span><\/span><\/div>\n
<\/div>\n

Let technology work for you. <\/span><\/strong>Leverage built-in tools and settings to screen out threats. Given our significant daily use of smartphones, here are a handful of ideas relating to mobile phones: <\/span><\/span><\/p>\n<\/div>\n

\n
\u2022<\/span>\u00a0<\/span>Let unknown calls go to voicemail.<\/em><\/span><\/strong> Legitimate callers will leave a message.<\/span><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>Silence calls from unknown numbers to avoid answering by accident.<\/em><\/span><\/strong> For the iPhone, go to Settings > Apps > Phone. Scroll down to \u201cCalls.\u201d Tap \u201cSilence Unknown Callers.\u201d<\/span><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>Use your carrier\u2019s screening tools.<\/em><\/span><\/strong> For example, Rogers offers \u201cCall Control,\u201d which requires callers to enter a randomly generated number <\/span>before the call connects. This helps block automated robocalls.<\/span><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>Set up a filter on phones to sort unknown texts <\/em><\/span><\/strong>into a separate folder to avoid accidental replies and reduce clutter. <\/span><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>Never reply to unknown calls or messages<\/em><\/span><\/strong>\u2014doing so confirms your number is active.<\/span><\/span><\/div>\n
<\/div>\n

Limit what you share.<\/span><\/strong> The less information you put out there, the harder it is for scammers to target you. <\/span><\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n
\u2022<\/span>\u00a0<\/span>Never share personal or financial information<\/em><\/span><\/strong> unless you\u2019re certain of the recipient\u2019s identity and the communication channel is secure.<\/span><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>Reduce your digital footprint. <\/em><\/span><\/strong>Delete unused online accounts to reduce access in case of a data breach.<\/span><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>Avoid posting personal details on social media<\/em><\/span><\/strong> like birthdays, addresses, travel plans or even family-member names.<\/span><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>Set online privacy settings to the highest level. <\/em><\/span><\/strong><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>Be cautious with online forms or surveys<\/em><\/span><\/strong>\u2014verify the source first.<\/span><\/span><\/div>\n
<\/div>\n

Use good payment practices.<\/span><\/strong> Be thoughtful about how and where you send money.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n
\u2022<\/span>\u00a0<\/span>Use payment methods with fraud protection<\/em><\/span><\/strong>, such as PayPal, when sending funds to unfamiliar recipients. Avoid wire transfers, gift cards or Interac e-transfers for unfamiliar transactions.<\/span><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>Use separate email addresses or usernames<\/em><\/span><\/strong> for less-secure transactions to protect your identity online.<\/span><\/span><\/div>\n
<\/div>\n

Add a layer of personal security. <\/span><\/strong>Proactive steps can make it harder to impersonate you or your loved ones.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n
\u2022<\/span>\u00a0<\/span>Create a family code word<\/em><\/span><\/strong> to verify the identity of anyone claiming to be a loved one in distress. If a caller can\u2019t provide the code word, hang up.<\/span><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>Consider using a dedicated email address exclusively for financial and banking transactions. <\/em><\/span><\/strong><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>For added privacy, some use \u201calternate\u201d (burner) birthdates or slight name variations<\/em><\/span><\/strong> when registering for non-financial services\u2014to conceal private data and limit exposure of personal information.<\/span><\/span><\/div>\n
<\/div>\n

Stay informed. <\/span><\/strong>Fraud tactics continue to become more sophisticated and evolve rapidly.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n
\u2022<\/span>\u00a0<\/span>Follow trusted resources <\/em><\/span><\/strong>such as the Canadian Anti-Fraud Centre to stay updated. See: <\/span>https:\/\/antifraudcentre-centreantifraude.ca\/<\/span><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>If you suspect a scam, report it<\/em><\/span><\/strong>\u2014you could help protect others. <\/span>https:\/\/antifraudcentre-centreantifraude.ca\/report-signalez-eng.htm<\/span><\/span><\/div>\n

1. https:\/\/www.news24.com\/life\/lifestyle-trends\/which-generation-is-more-likely-to-fall-for-online-scams-the-paradox-of-thedigital-natives-20250312#; https:\/\/www.wsj.com\/tech\/cybersecurity\/young-adult-phishing-scams-social-media-use-bcf7b6ca?; https:\/\/www.ey.com\/en_us\/newsroom\/2022\/10\/gen-z-and-millennials-less-serious-about-cybersecurity-on-work-issued-devices-than-personal-according-to-new-ey-consulting-survey<\/span><\/p>\n

 <\/p>\n

How Much of My Data is Available Online to Others?<\/span><\/strong><\/span><\/p>\n

 <\/p>\n

A recent <\/span>Wall Street Journal<\/em><\/span> article highlighted how marketable your personal data can be after a data breach. How much does your data sell for on the dark web? <\/span><\/span><\/p>\n

\n
\n
\u2022<\/span>\u00a0<\/span>Your credit card number: <\/span>$6<\/span><\/strong><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>Your PayPal account credentials: <\/span>$100<\/span><\/strong><\/span><\/div>\n<\/div>\n
\n
\u2022<\/span>\u00a0<\/span>Your crypto wallet userID: <\/span>$350<\/span><\/strong><\/span><\/div>\n
<\/div>\n

Managing your digital footprint, including keeping accounts secure, periodically cleansing data and closing unused accounts, is important for maintaining privacy, protecting assets and reducing the risk of fraud.<\/span><\/p>\n

 <\/p>\n

You may be surprised at what personal data is publicly available. Using Google\u2019s free tool, \u201c<\/span>Results About You<\/em><\/span>,\u201d (Google states it won\u2019t use your data for other purposes), within hours, you can view what personal data is publicly available online. You can also use the \u201cdark web monitoring\u201d tool to see how many data breaches your email address and username are associated with.<\/span><\/span><\/p>\n

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

https:\/\/www.wsj.com\/tech\/personal-tech\/data-breach-dark-web-protection-6972f3a6<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

The Illusion of Speed   It has been said that \u201cthere are decades where nothing seems to happen, and there are weeks where decades happen.\u201d The sweeping global tariffs, announced by the U.S. on April\u2019s \u201cLiberation Day,\u201d caught the world off guard\u2014disrupting long-held norms in global trade and world order. This may signal the beginning […]<\/p>\n","protected":false},"author":106,"featured_media":1019,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","_exactmetrics_skip_tracking":false,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-758","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-newsletter-insights"],"yoast_head":"\nQ3 2025 - Newsletter Insights - Stonehaven Private Counsel<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Q3 2025 - Newsletter Insights - Stonehaven Private Counsel\" \/>\n<meta property=\"og:description\" content=\"The Illusion of Speed   It has been said that \u201cthere are decades where nothing seems to happen, and there are weeks where decades happen.\u201d The sweeping global tariffs, announced by the U.S. on April\u2019s \u201cLiberation Day,\u201d caught the world off guard\u2014disrupting long-held norms in global trade and world order. This may signal the beginning […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/\" \/>\n<meta property=\"og:site_name\" content=\"Stonehaven Private Counsel\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-30T16:59:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-02T15:29:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-content\/uploads\/sites\/249\/2025\/06\/WA-Featured-Image.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Stonehaven Private Counsel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stonehaven Private Counsel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"15 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/q3-2025-newsletter-insights\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/q3-2025-newsletter-insights\\\/\"},\"author\":{\"name\":\"Stonehaven Private Counsel\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/#\\\/schema\\\/person\\\/d67a4d13cc1a9c97c152f54b959927af\"},\"headline\":\"Q3 2025 – Newsletter Insights\",\"datePublished\":\"2025-09-30T16:59:03+00:00\",\"dateModified\":\"2026-09-02T15:29:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/q3-2025-newsletter-insights\\\/\"},\"wordCount\":3187,\"publisher\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/q3-2025-newsletter-insights\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/wp-content\\\/uploads\\\/sites\\\/249\\\/2025\\\/06\\\/WA-Featured-Image.png\",\"articleSection\":[\"Newsletter Insights\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/q3-2025-newsletter-insights\\\/\",\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/q3-2025-newsletter-insights\\\/\",\"name\":\"Q3 2025 - Newsletter Insights - Stonehaven Private Counsel\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/q3-2025-newsletter-insights\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/q3-2025-newsletter-insights\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/wp-content\\\/uploads\\\/sites\\\/249\\\/2025\\\/06\\\/WA-Featured-Image.png\",\"datePublished\":\"2025-09-30T16:59:03+00:00\",\"dateModified\":\"2026-09-02T15:29:33+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/q3-2025-newsletter-insights\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/q3-2025-newsletter-insights\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/q3-2025-newsletter-insights\\\/#primaryimage\",\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/wp-content\\\/uploads\\\/sites\\\/249\\\/2025\\\/06\\\/WA-Featured-Image.png\",\"contentUrl\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/wp-content\\\/uploads\\\/sites\\\/249\\\/2025\\\/06\\\/WA-Featured-Image.png\",\"width\":1200,\"height\":628},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/q3-2025-newsletter-insights\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Q3 2025 – Newsletter Insights\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/#website\",\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/\",\"name\":\"Stonehaven Private Counsel\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/#organization\",\"name\":\"Stonehaven Private Counsel\",\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/wp-content\\\/uploads\\\/sites\\\/249\\\/2023\\\/12\\\/WAPW-Favicon-300x300-1.png\",\"contentUrl\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/wp-content\\\/uploads\\\/sites\\\/249\\\/2023\\\/12\\\/WAPW-Favicon-300x300-1.png\",\"width\":300,\"height\":300,\"caption\":\"Stonehaven Private Counsel\"},\"image\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/stonehavenprivatecounsel\\\/#\\\/schema\\\/person\\\/d67a4d13cc1a9c97c152f54b959927af\",\"name\":\"Stonehaven Private Counsel\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ed816e9be17b44c2e9689b58bdc06befd4d775ed4f809b80d40c1a85abefac42?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ed816e9be17b44c2e9689b58bdc06befd4d775ed4f809b80d40c1a85abefac42?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ed816e9be17b44c2e9689b58bdc06befd4d775ed4f809b80d40c1a85abefac42?s=96&d=mm&r=g\",\"caption\":\"Stonehaven Private Counsel\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Q3 2025 - Newsletter Insights - Stonehaven Private Counsel","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/","og_locale":"en_US","og_type":"article","og_title":"Q3 2025 - Newsletter Insights - Stonehaven Private Counsel","og_description":"The Illusion of Speed   It has been said that \u201cthere are decades where nothing seems to happen, and there are weeks where decades happen.\u201d The sweeping global tariffs, announced by the U.S. on April\u2019s \u201cLiberation Day,\u201d caught the world off guard\u2014disrupting long-held norms in global trade and world order. This may signal the beginning […]","og_url":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/","og_site_name":"Stonehaven Private Counsel","article_published_time":"2025-09-30T16:59:03+00:00","article_modified_time":"2026-09-02T15:29:33+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-content\/uploads\/sites\/249\/2025\/06\/WA-Featured-Image.png","type":"image\/png"}],"author":"Stonehaven Private Counsel","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Stonehaven Private Counsel","Est. reading time":"15 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/#article","isPartOf":{"@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/"},"author":{"name":"Stonehaven Private Counsel","@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/#\/schema\/person\/d67a4d13cc1a9c97c152f54b959927af"},"headline":"Q3 2025 – Newsletter Insights","datePublished":"2025-09-30T16:59:03+00:00","dateModified":"2026-09-02T15:29:33+00:00","mainEntityOfPage":{"@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/"},"wordCount":3187,"publisher":{"@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/#organization"},"image":{"@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/#primaryimage"},"thumbnailUrl":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-content\/uploads\/sites\/249\/2025\/06\/WA-Featured-Image.png","articleSection":["Newsletter Insights"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/","url":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/","name":"Q3 2025 - Newsletter Insights - Stonehaven Private Counsel","isPartOf":{"@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/#website"},"primaryImageOfPage":{"@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/#primaryimage"},"image":{"@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/#primaryimage"},"thumbnailUrl":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-content\/uploads\/sites\/249\/2025\/06\/WA-Featured-Image.png","datePublished":"2025-09-30T16:59:03+00:00","dateModified":"2026-09-02T15:29:33+00:00","breadcrumb":{"@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/#primaryimage","url":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-content\/uploads\/sites\/249\/2025\/06\/WA-Featured-Image.png","contentUrl":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-content\/uploads\/sites\/249\/2025\/06\/WA-Featured-Image.png","width":1200,"height":628},{"@type":"BreadcrumbList","@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/q3-2025-newsletter-insights\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/"},{"@type":"ListItem","position":2,"name":"Q3 2025 – Newsletter Insights"}]},{"@type":"WebSite","@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/#website","url":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/","name":"Stonehaven Private Counsel","description":"","publisher":{"@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/#organization","name":"Stonehaven Private Counsel","url":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/#\/schema\/logo\/image\/","url":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-content\/uploads\/sites\/249\/2023\/12\/WAPW-Favicon-300x300-1.png","contentUrl":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-content\/uploads\/sites\/249\/2023\/12\/WAPW-Favicon-300x300-1.png","width":300,"height":300,"caption":"Stonehaven Private Counsel"},"image":{"@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/#\/schema\/person\/d67a4d13cc1a9c97c152f54b959927af","name":"Stonehaven Private Counsel","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/ed816e9be17b44c2e9689b58bdc06befd4d775ed4f809b80d40c1a85abefac42?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ed816e9be17b44c2e9689b58bdc06befd4d775ed4f809b80d40c1a85abefac42?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ed816e9be17b44c2e9689b58bdc06befd4d775ed4f809b80d40c1a85abefac42?s=96&d=mm&r=g","caption":"Stonehaven Private Counsel"}}]}},"_links":{"self":[{"href":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-json\/wp\/v2\/posts\/758","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-json\/wp\/v2\/users\/106"}],"replies":[{"embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-json\/wp\/v2\/comments?post=758"}],"version-history":[{"count":3,"href":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-json\/wp\/v2\/posts\/758\/revisions"}],"predecessor-version":[{"id":967,"href":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-json\/wp\/v2\/posts\/758\/revisions\/967"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-json\/wp\/v2\/media\/1019"}],"wp:attachment":[{"href":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-json\/wp\/v2\/media?parent=758"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-json\/wp\/v2\/categories?post=758"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/stonehavenprivatecounsel\/wp-json\/wp\/v2\/tags?post=758"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}