--- title: | Carolyn Schmitz, CIM, CFP description: Carolyn has been an Investment Advisor (Chartered Investment Manager, CIM) and Certified Financial Planner (CFP professional) for over 25 years. Having gown up in London, Ontario she attended Western University (BA, Finance) and the University of Windsor (BComm, Finance). --- # The SciVest Blog ##### Data-Driven Strategies | Expert Analysis | Smarter Portfolios [![](https://scivest.com/hubfs/AI-Generated%20Media/Images/A%20straight%20open%20road%20with%20simple%20unnumbered%20mile%20markers%20gradually%20fading%20into%20the%20horizon.png) ](https://scivest.com/blog/decumulation-in-canada) ## [Decumulation in Canada: The Essentials for a Sustainable Retirement](https://scivest.com/blog/decumulation-in-canada) ![Picture of Carolyn Schmitz, CIM, CFP](https://scivest.com/hs-fs/hubfs/Carolyn%20Schmitz%20Headshot.png?width=50&name=Carolyn%20Schmitz%20Headshot.png) [Carolyn Schmitz, CIM, CFP](https://scivest.com/blog/author/carolyn-schmitz) Jun 12, 2026 1:37:01 PM Turning your savings into reliable retirement income is more complex than building them. Decumulatio... [ Read more ](https://scivest.com/blog/decumulation-in-canada) [![](https://scivest.com/hubfs/AI-Generated%20Media/Images/Create%20a%20clean%20modern%20illustration%20of%20four%20interlocking%20puzzle%20pieces%20each%20piece%20labelled%20TFSA%20RRSP%20FHSA%20RRIF.png) ](https://scivest.com/blog/registered-accounts-for-beginners) [Foundation](https://scivest.com/blog/tag/foundation) ## [Registered Accounts for Beginners: TFSA, RRSP, RRIF, and FHSA.](https://scivest.com/blog/registered-accounts-for-beginners) ![Picture of Carolyn Schmitz, CIM, CFP](https://scivest.com/hs-fs/hubfs/Carolyn%20Schmitz%20Headshot.png?width=50&name=Carolyn%20Schmitz%20Headshot.png) [Carolyn Schmitz, CIM, CFP](https://scivest.com/blog/author/carolyn-schmitz) Feb 19, 2026 11:04:05 AM If you're looking to build wealth in Canada, understanding registered accounts is essential. These t... [ Read more ](https://scivest.com/blog/registered-accounts-for-beginners) [![](https://scivest.com/hubfs/AI-Generated%20Media/Images/A%20single%20landscape%20transitioning%20through%20seasons%20from%20left%20to%20right%20%20winter%20fading%20into%20spring%20then%20summer%20and%20autumn%20Trees%20and%20light%20subtly%20change%20wh-1.png) ](https://scivest.com/blog/what-drives-market-volatility) [Foundation](https://scivest.com/blog/tag/foundation) ## [What Drives Market Volatility?](https://scivest.com/blog/what-drives-market-volatility) ![Picture of Carolyn Schmitz, CIM, CFP](https://scivest.com/hs-fs/hubfs/Carolyn%20Schmitz%20Headshot.png?width=50&name=Carolyn%20Schmitz%20Headshot.png) [Carolyn Schmitz, CIM, CFP](https://scivest.com/blog/author/carolyn-schmitz) Feb 18, 2026 7:45:35 AM Market volatility refers to the degree of variation in asset prices over a given period. Volatility ... [ Read more ](https://scivest.com/blog/what-drives-market-volatility) [![](https://scivest.com/hubfs/AI-Generated%20Media/Images/photographic%20Giant%20ice%20berg%20with%20only%20the%20tip%20showing%20from%20the%20top-1.png) ](https://scivest.com/blog/total-cost-reporting) [Foundation](https://scivest.com/blog/tag/foundation) ## [Total Cost Reporting (CRM3): What It Means for Investors](https://scivest.com/blog/total-cost-reporting) ![Picture of Carolyn Schmitz, CIM, CFP](https://scivest.com/hs-fs/hubfs/Carolyn%20Schmitz%20Headshot.png?width=50&name=Carolyn%20Schmitz%20Headshot.png) [Carolyn Schmitz, CIM, CFP](https://scivest.com/blog/author/carolyn-schmitz) Dec 9, 2025 10:17:24 AM Imagine buying a car without knowing the full price until years after you've been driving it, only t... [ Read more ](https://scivest.com/blog/total-cost-reporting) [![](https://scivest.com/hubfs/AI-Generated%20Media/Images/cinematic%20Create%20a%20professional%20clean%20illustration%20for%20a%20financial%20blog%20article%20about%20inflation%20protection%20The%20image%20should%20be%20in%20a%20169%20landscape%20form.png) ](https://scivest.com/blog/how-to-protect-your-portfolio) [Foundation](https://scivest.com/blog/tag/foundation) ## [How to Protect Your Portfolio from Inflation](https://scivest.com/blog/how-to-protect-your-portfolio) ![Picture of Carolyn Schmitz, CIM, CFP](https://scivest.com/hs-fs/hubfs/Carolyn%20Schmitz%20Headshot.png?width=50&name=Carolyn%20Schmitz%20Headshot.png) [Carolyn Schmitz, CIM, CFP](https://scivest.com/blog/author/carolyn-schmitz) Oct 10, 2025 2:00:00 PM Inflation is a natural part of any economy, but when left unchecked, it quietly erodes the purchasin... [ Read more ](https://scivest.com/blog/how-to-protect-your-portfolio) [![](https://scivest.com/hubfs/AI-Generated%20Media/Images/The%20image%20depicts%20a%20serene%20financial%20landscape%20at%20dusk%2c%20where%20a%20large%20tree%20stands%20prominently%20in%20the%20foreground%2c%20its%20branches%20heavy%20with%20golden%20coins-1.jpeg) ](https://scivest.com/blog/dividends-and-the-three-dwarfs-revisiting-arnotts-timeless-insights) [Foundation](https://scivest.com/blog/tag/foundation) ## [Dividends and the Three Dwarfs](https://scivest.com/blog/dividends-and-the-three-dwarfs-revisiting-arnotts-timeless-insights) ![Picture of Carolyn Schmitz, CIM, CFP](https://scivest.com/hs-fs/hubfs/Carolyn%20Schmitz%20Headshot.png?width=50&name=Carolyn%20Schmitz%20Headshot.png) [Carolyn Schmitz, CIM, CFP](https://scivest.com/blog/author/carolyn-schmitz) Feb 4, 2025 3:08:46 PM Arnott's Timeless Insights "Do dividends matter? You bet." Back in 2003, Robert D. Arnott wrote an a... 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