Category Archives: Financial

Topics involved with financial sovereignty

Playa del Carmen real estate for Canadians guide — beachfront condos, 5th Avenue, and an investor checklist with a Sovereign Canadian mug

Playa del Carmen Real Estate for Canadians

In the Riviera Maya guide, I called Playa del Carmen the yield-and-liquidity play of the region and moved on to Tulum and Puerto Morelos. A few of you pushed back on that — fairly. “Yield and liquidity” is a one-line verdict on a city of nearly 300,000 people with a dozen distinct submarkets, three tiers of buyer, and its own regulatory paper trail. This post is the deep dive Playa earns on its own.

If you’re new to this series, start with the Mexico introduction post for the fideicomiso and T776 basics, then the Riviera Maya post for how Playa stacks up against Tulum and Puerto Morelos. This post assumes you’ve already decided Playa is the city and want the neighbourhood-level, dollars-and-cents version.

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Riviera Maya real estate investment checklist and key area map — Playa del Carmen, Tulum, Akumal, Puerto Aventuras, Puerto Morelos

Riviera Maya Real Estate Investing for Canadians


A dual-benefit investment and snowbird home.

In the Mexico introduction post, I promised the area-specific deep dives were coming. This is the first one, and it’s the one most of you actually want: Riviera Maya, the stretch of Caribbean coast running from Puerto Morelos down through Playa del Carmen to Tulum. It’s the highest-volume short-term rental market in the country, the one with the strongest yield story, and — not coincidentally — the one with the most regulatory noise right now. If you’ve been circling this decision for a while, this post is meant to get you from “I like the idea” to “here’s the specific submarket, price point, and structure I’d actually pursue.”

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Mexico Real Estate for Canadians: The Introduction — cover image featuring a Riviera Maya beachfront condo development at sunset

Mexico Real Estate for Canadians: The Introduction

Mexico comes up constantly when Canadians start talking about buying abroad. It’s close, it’s cheap relative to home, the weather solves your February problem, and half the country seems to already have a cousin with a condo in Puerto Vallarta. But “close and cheap” isn’t a strategy – and Mexico has enough legal quirks, financing friction, and rental-market nuance that showing up with vibes and a vague sense that “Mexican real estate is a good deal” will get you into trouble.

This post is the country introduction, not the city guide. It won’t make you an expert on any single market – Riviera Maya, Puerto Vallarta, and Mérida each have their own deep dive, linked below. What it will do is give you the framework: where Canadians actually buy and why, how ownership legally works, how financing really functions (spoiler: not the way you’re used to), how the peso and the US dollar shape your real return, what the taxes look like on both sides of the border, and the practical difference between running a short-term rental and a long-term one. By the end, you’ll know enough to ask the right questions instead of the obvious ones. Mexico is one of the locations I’m thinking of for a next investment.

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Foreign real estate investing for Canadians — Sovereign Canadian field guide, Canadian passport, globe, and due-diligence checklist on a desk with an overseas skyline

Foreign Real Estate Investing for Canadians: Where to Actually Start

This is the pillar post for the Sovereign Canadian international real estate series — the map that sits above every country deep-dive. Like everything here, it’s personal documentation of how I’m thinking about my own portfolio, not financial or legal advice. I’m figuring this out in public, country by country, and writing down what I learn.

Foreign real estate investing for Canadians usually starts with a feeling, not a spreadsheet. You’re standing on a beach in February — or, more likely, looking at a photo of one from your kitchen in Ontario at minus twenty — and something clicks. Why not own a piece of that? The impulse is fine. The problem is that most people never get past the impulse, and the ones who do tend to either overpay for a lifestyle fantasy or talk themselves out of a genuinely good move because the CRA paperwork looked scary from a distance.

I’ve been working through this the slow way: one country at a time, verifying the numbers before I write anything down. This post is the top of that pyramid. It’s the “why” and the “how it’s different when you’re Canadian” — the stuff that’s true whether you end up in the Riviera Maya or the Peloponnese. The individual country posts handle the “where.” This one handles the decision that comes first.

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Canadian investor weighing second real estate options after buying a cottage — rental property, international real estate, and digital acquisition

Second Real Estate Investment: What Comes After the Cottage?

The cottage decision is behind me. If you followed along, you know how that analysis went — cottage vs. upsizing the primary residence, two mortgages vs. one, lifestyle purchase vs. an asset with optionality. The cottage won. And after one month of Airbnb hosting on Lake Huron, the numbers are pointing in the right direction — not cash-flow positive yet, not in shoulder season, but close enough that a full-season run (next year( should cover the carrying costs. That part of the thesis is holding.

So now what?

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Wills and estate planning checklist in Canada with last will and testament document, estate plan binder, and Canadian passport on desk

Your Will Is Not Optional

A Real Estate and Estate Planning Guide for Canadians with Something to Lose

You have a house with equity. A solid RRSP. A TFSA. Maybe a cottage on a lake, a private investment or two, and possibly a business structure of some kind. You’ve spent years building something real.

And there’s a decent chance your will is either non-existent, embarrassingly outdated, or a generic template you printed off the internet a decade ago.

That’s a problem.

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Sovereign Wealth – My Online Financial Advisors

The Three Online Financial Advisors I Actually Pay For — And Why

If you’ve spent any time trying to figure out how to grow real wealth outside of a Bay Street mutual fund, you’ve probably stumbled across the world of online financial advisors and independent financial research. Newsletter guys. Paid advisors. Contrarian investors who write multi-thousand-word breakdowns of junior mining stocks and macro geopolitics from their homes in Argentina and Vancouver.

There’s a lot of noise in that world. A lot of hype. And honestly, a lot of outright garbage.

But over the years, I’ve found three online financial advisors who I think are the real deal — worth your attention and worth the subscription cost. I pay for all three. I read all three. And I’ve learned a lot from all three.

This isn’t a puff piece. I’m going to tell you who they are, what they’re good at, what they produce, and who each one is best suited for. Think of it as my honest take after years of reading the newsletter space.

Let’s get into it.

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Cottage Airbnb — My Experience After 1 Month Hosting

If you own a recreational property in Canada and you’ve been sitting on the fence about Airbnb, this is for you. Not the glossy version. The real one — with the actual dollar amounts, the mild anxiety of handing over your keys to strangers, and the moment your first guests left thoughtful items for the next family and a five-star review and you thought: okay, maybe this works.

One month in. Here’s what I know.

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Principal residence exemption in Canada — Sovereign Canadian

The Principal Residence Exemption: Canada’s Powerful Tax Shield

Most Canadians are sitting on their single biggest financial asset and don’t understand the tax rules protecting it. The principal residence exemption is one of the only true tax-free wealth-building mechanisms left in Canada. Zero capital gains on your home’s appreciation. No matter how big the number.

But it’s not automatic. It’s not guaranteed. And the CRA has spent the last decade quietly closing the loopholes people thought were wide open.

Here’s what you actually need to know.

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Debt ratios in Canada — GDS, TDS and stress test checklist with mortgage calculator and Toronto skyline

DEBT RATIOS IN CANADA: Front-end & Back-end


Debt ratios in Canada: GDS, TDS, And what rental property does to the math.

Most Canadians have no idea what their debt ratios actually are. They walk into a mortgage appointment, hand over their documents, and let the banker decide whether they qualify. That’s not sovereignty. That’s abdication.

Debt ratios in Canada are the gatekeepers to every major real estate move you’ll make. Understand them and you control the game. Ignore them and the bank controls you.

Here’s the breakdown — what each ratio means, what the lenders want to see, and how owning rental property changes the entire equation.

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