That stretch of time from just before Christmas through New Year’s is one of my favourite periods of the year.
I’m not someone who fully shuts down to the point where you don’t know what day it is — but I do make a conscious effort to slow down.
This year, that meant more time with family and friends.
At home, most of the kids’ sports and activities were on pause, which meant something simple — but rare — we were able to sit down and eat dinner together every night.
We played games. Watched movies. Caught our breath.
At the office, it was a similar reset.
We cleaned up a lot of loose ends we wanted to leave in 2025, and quietly laid the foundation for what we want to build in 2026.
No big announcements.
No dramatic changes.
Just clarity.
And that’s what I keep coming back to as we start this new year.
Most people don’t need a drastic financial overhaul
Despite what social media and headlines suggest, very few people need to blow everything up and start over.
What most people actually need is:
- a pause
- a review
- an honest assessment of where they are
- and a clear plan for where they’re going
Especially if you already have a mortgage.
In a world where the old financial rules no longer apply, clarity and positioning matter more than ever.
Why January matters more than people think
January isn’t about prediction.
It’s about positioning.
It’s one of the few times of the year when:
- you’re not reacting to a deadline
- you’re not under pressure
- you’re not forced into a decision
That makes it the best time to ask better questions, like:
- Is my mortgage still the right structure for where my life is today?
- Am I set up for flexibility — or just the lowest rate at the time?
- Is my debt working for me, or quietly holding me back?
- If an opportunity came up this year, would I be ready to act?
These aren’t questions most people ask — until they have to.
This is where we can help
A big part of what we do isn’t just arranging mortgages.
It’s helping people understand their position in the bigger picture.
That applies whether you’re:
- a homeowner feeling stretched
- someone sitting on equity but unsure how to use it
- an investor wanting to be better positioned
- or someone who simply hasn’t looked at their mortgage in years
Sometimes a small adjustment — in structure, flexibility, or strategy — can have an outsized impact over time.
And January is the ideal time to do that work.
A direct invitation
If you already have a mortgage and haven’t reviewed it recently, I strongly encourage you to reach out.
Not because something is “wrong.”
But because clarity creates options — and options create leverage.
Let’s look at:
- what you have
- what you’re trying to accomplish
- and whether your current setup actually supports that
No pressure.
No obligation.
Just a real conversation to start the year on the right footing.
I’m optimistic about 2026 — not because everything is perfect, but because preparation still wins.
If you want help getting clear and positioned early this year, I’m here.
Talk soon,
— Vince
