Real. Clear. Path.

Our Services:

We simplify the complexities of financial growth, peak performance, and lifestyle success — guiding you personally and professionally toward a real clear path to your greatest potential.

  1. Strategic Financial Planning and Education

    Tailored solutions to build, protect, and grow your legacy with clarity and confidence.

  2. Business and Life Transition Coaching

    Guiding you through pivotal changes with structure, insight, and purpose.

  3. Peak Performance Health and Wellness Coaching

    Elevating your energy, resilience, and vitality for lasting success in every area of life.

  4. Mastery in Advanced Communication Skills

    Strengthening influence, leadership, and connection through precision and authenticity.

Larry V LaRose, Founder and CEO

At Real Clear Path, we’re not just offering financial planning; we’re providing clarity, education, and a true understanding of how financial decisions impact your future. The driving force behind the creation of Real Clear Path stems from a gap I’ve observed as a science and finance professional across three countries — Canada, the United States & Brazil. In my decades of experience as a client, a financial advisor, and a senior executive at large banks & investment institutions, along with a directorship at a financial news media outlet and my time spent working alongside top scientists, I’ve seen a clear and troubling pattern: people are not properly educated on how to manage their finances. Most traditional educational systems, from high school to master’s programs, fail to equip students with even the basics of personal finance. As a result, many graduates find themselves in debt, using credit irresponsibly, and unsure of even simple concepts like setting up a savings plan or understanding dollar-cost averaging. These are basic tools that should be fundamental to everyone’s financial literacy, but unfortunately, most are not taught in schools.

The financial industry is no better. When people first meet with a financial planner, many are unaware of what to expect. Often, they only know financial advisors through one being a friend or a family member. While these connections are well-intentioned, they frequently result in poor outcomes because the due diligence & professionalism needed for sound financial advice get glossed over. Many individuals don’t even realize that the person they’re meeting with might not be a true financial planner at all, but rather a mutual fund salesperson focused more on selling than truly advising.

I’ve had the privilege of attending numerous conferences, internationally where I’ve learned from leading experts in behavioral sciences including the science of trust & the gaps of knowledge between professionals and their clients - and how that becomes unsustainable long term. These insights have deeply influenced how we operate at Real Clear Path, emphasizing transparency & the education factor, and the importance of understanding the behavioral dynamics between clients and financial professionals. It’s not just about giving advice, it’s about building a long-term relationship based on mutual trust and understanding.

Real Clear Path was created to address these issues head-on. My mission is simple: empower you with the knowledge you need to confidently manage your finances, build wealth, and make informed decisions that align with your goals. Real Clear Path offers a comprehensive, step-by-step process, where we work closely with you to ensure that you understand every part of your financial journey. From the moment we begin, we’ll walk you through a custom-tailored roadmap, using clear, understandable language to explain each step. You’ll also receive a personalized checklist template, a tool we’ll build together and use throughout the process to ensure nothing important gets missed. This step-by-step guide keeps your decisions aligned with your goals, reduces costly mistakes, and ensures you’re never left behind or rushed through any part of your journey.

At Real Clear Path, we don’t just stop at providing a financial plan. We offer ongoing education, with resources like a personalized, updatable PDF roadmap and a financial guide you can carry with you for years to come. This roadmap will adapt to your evolving needs, whether you’re focused on short-term goals, long-term wealth building, or specific transitions in your life. Our goal is to provide more than just advice; we’re here to offer clarity, so you always feel in control of your financial future. At Real Clear Path, we intentionally limit the number of clients we work with at any one time, allowing us to focus deeply on the details that matter most to each individual’s success.

When you choose Real Clear Path, you’re not just choosing a service; you’re choosing a partner who is deeply invested in your success. Our unique approach goes beyond just giving you a financial plan; we offer ongoing support and guidance, ensuring that your goals are always within reach. Whether you’re looking for expert financial advice, a deeper understanding of how to build wealth, or guidance on behavioral finance and personal growth, RealClearPath is here to help you achieve success with confidence.

Founder’s Message: A Better Way Forward

Real.    Clear.    Path.   Commentary:

August 2025 Economic Roundup: Wins, Losses, and September Shifts

Folks, August 2025 wrapped up with global trade tensions still biting hard, thanks to those U.S. tariffs shaking things up. Let's break it down country by country, no fluff: straight wins, losses, and what September might bring. From my view in Vancouver, it's clear the U.S. is flexing its muscle, but neighbors are trying to adapt.

Canada: Big Loss on Growth, Small Win on Self-Perceived Resilience

August hammered Canada with a 1.6% Q2 GDP contraction, the worst in years, as U.S. tariffs slashed exports by 26.8%(!) - autos and machinery got crushed.

Overall, Unemployment increased to 6.9%, (15.8% in June 2025 for all young men (15-24) - up from earlier lows, with mass job losses in trade-exposed sectors like manufacturing.

Inflation held near 2.7%, but core measures edged higher, forcing the Bank of Canada to pause rate cuts at 2.75%.

Win? Household and government spending cushioned the blow, keeping final domestic demand positive at 4.5% growth. (Expensive housing costs and Government spending taxpayer cash are not long-term solutions)

Looking to September, expect flat growth if tariff exemptions hold under USMCA, but watch for more layoffs if tensions escalate. Recession risks linger. (2 consecutive negative quarters = Recession)

Net FDI Position: Outflows exceeded inflows by $12.2 billion USD YTD, contributing to Canada's net international investment position of -$1.12 trillion USD at Q1 end (improved from -$1.15 trillion end-2024). Full Q2 data (due late September 2025) may indicate a slight recovery if USMCA talks progress.

USA: Solid Win on Rebound, Loss on Inflation Creep

The U.S. scored another clear win with Q2 GDP surging 3.0%, rebounding from Q1's 0.5% dip, fueled by consumer spending up 4.2% and a mechanical import drop from tariff front-loading.

Unemployment stayed low at 4.2%, compared to Canada’s 7% with payrolls adding 150k monthly, showing labor market toughness despite immigration curbs.

Loss? Tariffs jacked inflation to 2.7% headline and 3.3% core, hitting food and vehicles hardest—up 1.6% and 8.4% respectively.

The Fed held at 4.25-4.50%, eyeing cuts if data softens.

September could see 1.4-1.5% more growth if tariffs stabilize, but escalating barriers might push unemployment to 4.5% and GDP down 0.5pp—watch the Fed's pivot.

FFDI Inflows: $66.7 billion USD in Q1 2025, with YTD through Q2 estimated at $116-126 billion USD (based on preliminary BEA and UNCTAD data).

FDI Outflows: $100 billion USD in Q1 2025, with YTD through Q2 estimated at $180-200 billion USD.

Net FDI Position: Outflows exceeded inflows by $64-84 billion USD YTD, contributing to the U.S. net international investment position of -$24.61 trillion USD at Q1 end (improved from -$26.54 trillion end-2024).

Brazil: Win on Jobs, Loss on Inflation Stubbornness

Brazil notched a win with unemployment at a record low 5.8% in June, extending into August with 2.7% private sector job growth, boosting real wages 3.3%.

GDP held steady at 2.2% forecast for the year, insulated by commodities redirected to China (28% of exports).

Loss? U.S. 50% tariffs on Brazilian goods (up from 25%) threaten 1.8% of GDP in exports, while inflation hit 5.4% in June, pushing Selic to 15%—a 20 year high.

For September, growth dips to 1.7% if tariffs bite harder, but easing inflation to 4.4% could allow rate pauses—BRICS ties might soften the blow.

Overall, August exposed tariff vulnerabilities: Canada bleeds exports, the U.S. powers through but pays in some price increases, and Brazil leans on jobs amid rising costs.

Net FDI Position: Inflows exceeded outflows by $21.8 billion USD YTD, supporting Brazil's low currency value, net international investment position improvement amid trade tensions. Full Q2 data (due late September 2025) could adjust slightly with U.S. tariff impacts.

September hinges on trade talks—de-escalation could spark rebounds, but escalation means pain for all.

Stay sharp, diversify, and forge your path to financial freedom. Book a Clarity Call at realclearpath.com to navigate this mess.

Sources: Statistics Canada: Recent Developments in the Canadian Economy (Spring 2025), RBC Economics: Canada’s Economic Outlook (June 2025), TD Economics: Canadian Quarterly Economic Forecast (June 2025), CBC News: Canada’s Economy Shrinks 1.6% in Q2 (Aug 2025), The Globe and Mail: Canada’s Economy Contracts Sharply in Q2 (Aug 2025), Conference Board: US Economic Forecast (Aug 2025), U.S. Bureau of Economic Analysis: GDP Q2 2025, Deloitte Insights: US Economic Forecast Q2 2025, EY: US Economic Outlook (July 2025), Deloitte: Brazil Economic Outlook (Aug 2025), Reuters: Brazil Economy on Track Despite US Tariffs (July 2025), World Bank: Brazil Overview (2025)