Next Steps Planning with IPC Securities

We've got you covered!
Check out the generous prize donations for our community!!
Next Steps Planning INC is a PROUD sponsor and will have a booth set up on Saturday, August 1st up until 4pm. Be sure to stop by, enter for a ballot and GOOD LUCK TO ALL!!

🎸🎭⚽🎼 Hamilton, you are amazing!
A big THANK YOU to The Blues Studio, Forge Football Club, Sinfonia Ancaster, The Westdale, and Theatre Aquarius for donating incredible prizes for our draws on Saturday, August 2 at the Festival of Friends 50th Anniversary Celebration!

We are proud to showcase organizations that make our community such a vibrant place to live, work, play, and create.

Join us at Gage Park for one of Canada's most beloved free festivals and be sure to stop by our booth for your chance to win!

🎤 Featuring Feist, Dallas Smith, and a special 50th Anniversary All-Star Celebration with an all-star lineup of Canadian music legends, hosted by Blackie & The Rodeo Kings.
Festival of Friends
📍 Gage Park, Hamilton
📅 July 31 to August 2, 2026
Full lineup:
🔗 https://festivaloffriends.ca
Thank you again to our incredible prize donors for helping us celebrate 50 years of Festival of Friends! ❤️

Looking forward to this event!!

Hamilton’s own Terra Lightfoot joins our 50th Anniversary Concert starting at 8:45pm on Sunday, August 2nd - only on the SecondShop.ca Mainstage.

Terra joins Chantal Kreviazuk, Hawksley Workman, members of Finger Eleven, Dan Hill, Tebey, Ashley MacIsaac, Brad Roberts of the Crash Test Dummies, and many many more. Backed by Blackie & The Rodeo Kings, it will be a celebration of the ages.

I believe wealth is more powerful when it enriches not only your life but the lives of others too.

Welcome to Next Steps Planning Marie Phillips, Wealth Advisor, helps clients align wealth with values, philanthropy, and legacy for lasting impact.

Summer RESP Reminder

While most families are focused on vacations, cottages, and making memories, fall tuition deadlines are closer than they seem.
If your child or grandchild is heading to college or university this year, now is a great time to review your RESP withdrawal strategy before the back-to-school rush begins.

Many families are surprised to learn that there can be a timing gap between when early school expenses are due and when RESP funds become available. Planning ahead can help make the transition to post-secondary education much smoother.
☀️ Summer is the perfect time to:

Review RESP balances
Confirm withdrawal requirements
Understand what documentation may be needed
Plan for first-semester expenses

A little preparation today can reduce stress on campus move-in day.
📚 Education planning isn't just about saving for school—it's about knowing how and when to access those savings.

Stay Informed. Stay Confident.

The markets are always changing, and staying up to date can help you make more informed financial decisions.
Read our latest Market Commentary for insights on current market trends and key economic developments:
👉 https://t.e2ma.net/click/six009c/cebcmmb/8yo1dvp

Want market updates and financial planning insights delivered directly to your inbox?
✅ Sign up for our weekly e-newsletter:
👉 https://www.nextstepsplanning.ca/newsletter

Knowledge is one of the most powerful tools in building financial confidence. Stay connected and stay informed!

Newsletter

Local artist Caroline Wiles Music!
Catch her latest!

Caroline Wiles: Just being herself - Hamilton City Magazine The Ancaster singer-songwriter has just released her sixth album, Just Be You, but don’t ask her what genre it is. HINT: It’s a bit of everything. Just Be You, the sixth album by Ancaster-based folk-pop singer-songwriter Caroline Wiles, was released on April 24, and it is another impressive addi...

Happy Canada Day 🎉🎊🎉

Happy Canada Day from all of us at Next Steps Planning Inc! As your trusted insurance and investment partner, I'm Marie Phillips, your dedicated advisor, here to help you navigate life’s next steps with peace of mind. Wishing you a safe, joyful holiday—enjoy the day, Canada!


(Investment solutions offered through Next Steps Planning with IPC Securities )

Learn about the importance of travel coverage before you leave home.
(Insurance provided by; Next Steps Planning INC)

Traveling soon? Don’t count on OHIP.
Many Ontarians are surprised to learn that OHIP provides little to no meaningful coverage outside Canada. [healthquotes.ca]
That means one unexpected emergency could cost you:
💸 $10,000 – $50,000+ out of pocket

⚠️ What’s NOT covered:
❌ Emergency hospital stays abroad
❌ Medical evacuation (air ambulance)
❌ Prescriptions outside Canada
❌ Trip interruption costs

Contact us today to determine your travel coverage needs!
nextstepsplanninginc.ca

Did You Know

Ontario's OHIP program has significantly reduced out-of-country emergency coverage. Ontarians travelling or snowbirding abroad must now rely on private travel insurance more than ever.

As of early 2026, OHIP no longer reimburses out-of-country emergency hospital or physician costs at meaningful rates. Where travellers once received a small daily hospital allowance, those amounts have been effectively eliminated for most categories.

This affects snowbirds, frequent travellers, and anyone spending time in the United States or internationally. Without a comprehensive travel insurance plan in place, a single emergency hospitalization in the US could cost $10,000–$50,000+ out of pocket.

Key gaps travellers need to fill: emergency medical evacuation, physician fees, prescription drugs abroad, and trip interruption coverage.

When shopping for travel insurance, look for: no benefit caps on emergency medical, coverage for pre-existing conditions (with proper stability clauses), and 24/7 emergency assistance lines.

Stay up to date with current travel news and more by joining our members only section at https://nextstepsplanninginc.ca/news/travel

Inflation Has Cooled, But The Price Level Has Not Central banks, economists and markets tend to talk about inflation as a rate of change. On that basis, the worst of the post-pandemic inflation shock has faded. The more important issue now is not whether prices are still rising at the same pace, but that they are rising from a much higher base.

💥 Arts Opportunity!
The featured arts opportunity today is a call for King William Pop-Up Marketplace Vendors with City of Hamilton.

Applications close June 22, 2026 at 11:59 PM

🔎 Discover arts opportunities for artists across the Greater Hamilton Area by visiting The Arty Crowd website theartycrowd.ca/arts-opportunities!