Reader,

Before we dive into the financial deep end today, I want to address the massive response to last week's poll. I asked if you wanted a deep dive on the ultimate financial debate: Paying off your mortgage vs. investing your cash. The overwhelming majority of you said YES.

So, block off some time next Sunday, because we are going to break down the exact math on how to handle your mortgage based on a few personal factors.

This week, though, I want to keep the focus strictly on investing. We talk a lot about building your "Retirement Plan" so you don't have to trade your physical time for clinical dollars forever. Today, let's talk about the actual tools of wealth creation that can get you there.

I spent the morning (yes, this is how I enjoy my Sunday mornings) reading through two massive new reports from Morningstar. Let's look at the exact stocks that have printed the most money over the last decade, and the best ETFs to build your passive income fortress. 👇

The 15 Greatest Wealth Creators of the Last Decade

Morningstar just tracked the 15 individual stocks that created the most absolute wealth for shareholders over the last 10 years (2016-2025).

The numbers are staggering. Just these 15 companies generated $27 Trillion in shareholder value.

To no one's surprise, the "Magnificent Seven" tech giants (Apple, Amazon, Microsoft, Alphabet, Nvidia, Meta, and Tesla) dominated the list, creating over $20.6 Trillion of that total pie on their own. The rest of the list featured heavyweights like Broadcom, Berkshire Hathaway, JPMorgan Chase, and Walmart.

So, what is the common denominator here? Why did these specific companies win?

Morningstar highlighted that 12 of the top 15 stocks had a "Wide Economic Moat." In plain English: They have a sustainable, structural competitive advantage that prevents other companies from stealing their profits.

The Lesson for Clinicians: Picking the next Nvidia or Apple before they explode is incredibly difficult. Most individual stocks actually underperform the broader market. That's exactly why I follow the "Nevada Model"—simplicity wins. Instead of trying to find the needle in the haystack, just buy the haystack.

Which brings me to part two...

The Best High-Dividend ETFs for Passive Income

If your goal is hitting $10,000/month in non-clinical income, dividend investing is a phenomenal tool. It literally pays you cash just for owning the asset.

But high yields can be a trap. If a single company is paying a massive 10% dividend, it's usually because their stock price is tanking and they are compensating for massive underlying risk.

Instead of buying individual dividend stocks and hoping they don't slash their payouts, Morningstar just released their top High-Dividend ETFs for 2026. These funds provide instant diversification, low fees, and reliable income.

Here are a few standouts from their Gold-rated list:

These funds aren't chasing dangerous 10% yields. They are holding hundreds of high-quality companies (like PepsiCo, Home Depot, and Coca-Cola) with decades of uninterrupted dividend payouts.

This is how you buy your time back. You don't need complex, high-fee products or a predatory financial advisor. You just need a boring ETF that drops cash into your account every single quarter.

Let's Talk Stocks in Real Life (BlossomCon 2026)

Reading Morningstar reports and looking at ETF yields on a screen is one thing. But as I mentioned last week when I joined Fund Club: Investing in your network yields some of the highest returns possible. If you really want to level up your investing mindset, you need to get in the room with people who are actively building their portfolios.

That is exactly why I am heading to BlossomCon 2026 this summer.

On July 25th, Canada's biggest retail investing conference is taking over the Rogers Centre in Toronto. I'll be there, surrounded by thousands of other investors, creators, and financial experts, talking about exactly what we covered today: dividend strategies, asset allocation, and building wealth outside the clinic.

If you are in the GTA, come hang out and talk stocks with me.

Use the promo code ROBIN at checkout to get 15% OFF your ticket!

👉 Click here to grab your Toronto BlossomCon Ticket!​

Not in Toronto?

No worries. Blossom is also taking the conference on the road to Vancouver and New York City

👉 Click here to check out the YVR and NYC dates!​

Speaking of Blossom, I always promise to show you the good, the bad, and the ugly of my own finances. I don't just talk about investing; I put my own money on the line.

If you want to know what I am actually holding heading into the conference, here is a raw, unfiltered look at one of my current portfolios on the Blossom app:

As you can see, it wasn't exactly a green day. I took a -$5,516 hit on Friday.

But this is why we don't panic-sell, and why we look at the long-term horizon. Despite the daily volatility, the all-time return is still positive.

Right now, this specific portfolio is sitting at $174,493, heavily weighted toward high-growth/volatile assets:

• IBIT (Bitcoin ETF): 75.8%
• TSLA (Tesla): 21.4%
• Other: 2.9%

Note: This is just one piece of my overall asset allocation pie (which is heavily anchored by real estate and broad-market ETFs), but it highlights how I position for aggressive growth.

If you want to see exactly what I am buying and selling, track my dividend payouts, and follow my exact allocations in real-time alongside 100,000+ other Canadian investors, you can join me on the app.

👉 Click here to download Blossom for free and follow my portfolio!​

Resources to Build Your Wealth

If you are ready to start shifting your mindset and building a portfolio that buys your time back, here is where you start:

1. Automate Your Investments 🇨🇦 For Canadians: Wealthsimple is my absolute favorite platform for setting up recurring, low-cost ETF investments. Set it, forget it, and let the market do the heavy lifting.

2. Maximize Your Income: You can't effectively pay off debt if you aren't maximizing your clinical earning potential. Use my Job Comparison Calculator to see exactly which clinic offer makes the most mathematical sense.

3. Run Your Own Numbers: The Financial Freedom Calculator plug in your current savings to see exactly how much you need to invest monthly to hit your target.

​@financiallyfulfilledpro and Certified Financial Counsellor CFC™

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