Articles Featuring Kim's Experience
- https://macleans.ca/society/your-top-financial-retirement-planning-questions-answered/
- https://www.theglobeandmail.com/investing/article-what-should-this-61-year-old-do-after-being-laid-off-plus-globe/
- https://www.theglobeandmail.com/investing/globe-advisor/insurance/article-why-more-people-approaching-retirement-are-considering-long-term/
- https://www.theglobeandmail.com/business/article-outdated-myths-about-women-investors-persist/
2026-10-13T23:00:00
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2026-10-14T01:30:00
Retirement Planning Seminar
Secure Your Spot: Retirement Planning Seminar
Maximize your financial future by joining us for an insightful evening dedicated to effective retirement strategies.
Event Details:
Date: October 13, 2026
Time: 6:00 PM – 8:30 PM
Location: Days Inn Conference Centre, Winkler
Host: Victorious Financial Services & Sun Life
Why Attend?
Take Control: Securing your dream retirement requires deliberate action and a clear, structured plan.
Expert Insights: Gain the practical tools needed to build long-term wealth and permanent financial freedom.
Smart Navigation: Learn how to maximize your investments, pensions, and savings effectively.
Networking: Connect with peers and financial professionals in your community.
Complimentary Snacks: Enjoy free refreshments and snacks throughout the evening.
Bring a Friend!
Financial peace of mind is better shared. We encourage you to bring along friends, family, or colleagues who are also looking to take control of their retirement planning.
Registration & Inquiries:
Contact us today to reserve your seat.
Email: makkedah.veldman@sunlife.com
Phone: 204-745-6312
Do you know how long it takes your money to double?
Using the Rule of 72, the math is simple: divide 72 by your rate of return.
If your money is sitting in an account earning 2.2%, you are waiting 33 years for a single double. But if you're invested for the long term earning 5% to 7%, your money doubles every 10 to 14 years.
When you start young, time does the heavy lifting for you. Don't waste your most valuable asset.
#CompoundGrowth #WealthMindset #RuleOf72 #YouthInvesting #FinanceGoals
Using the Rule of 72, the math is simple: divide 72 by your rate of return.
If your money is sitting in an account earning 2.2%, you are waiting 33 years for a single double. But if you're invested for the long term earning 5% to 7%, your money doubles every 10 to 14 years.
When you start young, time does the heavy lifting for you. Don't waste your most valuable asset.
#CompoundGrowth #WealthMindset #RuleOf72 #YouthInvesting #FinanceGoals
Watch video
Happy 6-year work anniversary to Justin!
It is hard to believe it has been six years since you joined the team on October 1, 2020. Thank you for six years of amazing service, dedication to our clients, and the positive energy you bring to the team every single day. We are incredibly lucky to have you on the team at Victorious Financial Services!
Wishing you many more successful years ahead!
It is hard to believe it has been six years since you joined the team on October 1, 2020. Thank you for six years of amazing service, dedication to our clients, and the positive energy you bring to the team every single day. We are incredibly lucky to have you on the team at Victorious Financial Services!
Wishing you many more successful years ahead!
Happy 6-year work anniversary to Justin!
It is hard to believe it has been six years since you joined the team on October 1, 2020. Thank you for six years of amazing service, dedication to our clients, and the positive energy you bring to the team every single day. We are incredibly lucky to have you on the team at Victorious Financial Services!
Wishing you many more successful years ahead!
It is hard to believe it has been six years since you joined the team on October 1, 2020. Thank you for six years of amazing service, dedication to our clients, and the positive energy you bring to the team every single day. We are incredibly lucky to have you on the team at Victorious Financial Services!
Wishing you many more successful years ahead!
Meet your speakers for the Retirement Planning Seminar!
We are thrilled to introduce the incredible lineup of experts joining Kim Jensen Doty (President of Victorious Financial) to deliver high-impact wealth strategies at our upcoming event:
- Liam Jones (District Manager at Fidelity Investments) – bringing deep industry expertise on asset maximization and investment growth.
- Scott Johnston (Lawyer at MMJS Law) – sharing essential legal strategies for estate protection and wealth transition.
No matter your age, this is your opportunity to gain powerful financial wisdom, network with others in the community, and engage in great conversations!
RSVP DEADLINE: Monday, October 5th
Spaces at the Days Inn are limited and registration is mandatory so we can finalize numbers for food and drinks.
🗓️ Date: Tuesday, October 13, 2026
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room – Days Inn Hotel, Winkler
☕ Included: Free refreshments, snacks, coffee, and drinks will be served!
Admission is 100% free, and you are more than welcome to bring a friend, family member, or colleague who wants to build a smarter financial roadmap.
📩 How to Register: Secure your spots before the Monday, Oct 5th deadline by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
#RetirementPlanning #WinklerMB #FinancialLiteracy #FidelityInvestments #EstatePlanning #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
We are thrilled to introduce the incredible lineup of experts joining Kim Jensen Doty (President of Victorious Financial) to deliver high-impact wealth strategies at our upcoming event:
- Liam Jones (District Manager at Fidelity Investments) – bringing deep industry expertise on asset maximization and investment growth.
- Scott Johnston (Lawyer at MMJS Law) – sharing essential legal strategies for estate protection and wealth transition.
No matter your age, this is your opportunity to gain powerful financial wisdom, network with others in the community, and engage in great conversations!
RSVP DEADLINE: Monday, October 5th
Spaces at the Days Inn are limited and registration is mandatory so we can finalize numbers for food and drinks.
🗓️ Date: Tuesday, October 13, 2026
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room – Days Inn Hotel, Winkler
☕ Included: Free refreshments, snacks, coffee, and drinks will be served!
Admission is 100% free, and you are more than welcome to bring a friend, family member, or colleague who wants to build a smarter financial roadmap.
📩 How to Register: Secure your spots before the Monday, Oct 5th deadline by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
#RetirementPlanning #WinklerMB #FinancialLiteracy #FidelityInvestments #EstatePlanning #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
Meet your speakers for the Retirement Planning Seminar!
We are thrilled to introduce the incredible lineup of experts joining Kim Jensen Doty (President of Victorious Financial) to deliver high-impact wealth strategies at our upcoming event:
- Liam Jones (District Manager at Fidelity Investments) – bringing deep industry expertise on asset maximization and investment growth.
- Scott Johnston (Lawyer at MMJS Law) – sharing essential legal strategies for estate protection and wealth transition.
No matter your age, this is your opportunity to gain powerful financial wisdom, network with others in the community, and engage in great conversations!
RSVP DEADLINE: Monday, October 5th
Spaces at the Days Inn are limited and registration is mandatory so we can finalize numbers for food and drinks.
🗓️ Date: Tuesday, October 13, 2026
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room – Days Inn Hotel, Winkler
☕ Included: Free refreshments, snacks, coffee, and drinks will be served!
Admission is 100% free, and you are more than welcome to bring a friend, family member, or colleague who wants to build a smarter financial roadmap.
📩 How to Register: Secure your spots before the Monday, Oct 5th deadline by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
#RetirementPlanning #WinklerMB #FinancialLiteracy #FidelityInvestments #EstatePlanning #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
We are thrilled to introduce the incredible lineup of experts joining Kim Jensen Doty (President of Victorious Financial) to deliver high-impact wealth strategies at our upcoming event:
- Liam Jones (District Manager at Fidelity Investments) – bringing deep industry expertise on asset maximization and investment growth.
- Scott Johnston (Lawyer at MMJS Law) – sharing essential legal strategies for estate protection and wealth transition.
No matter your age, this is your opportunity to gain powerful financial wisdom, network with others in the community, and engage in great conversations!
RSVP DEADLINE: Monday, October 5th
Spaces at the Days Inn are limited and registration is mandatory so we can finalize numbers for food and drinks.
🗓️ Date: Tuesday, October 13, 2026
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room – Days Inn Hotel, Winkler
☕ Included: Free refreshments, snacks, coffee, and drinks will be served!
Admission is 100% free, and you are more than welcome to bring a friend, family member, or colleague who wants to build a smarter financial roadmap.
📩 How to Register: Secure your spots before the Monday, Oct 5th deadline by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
#RetirementPlanning #WinklerMB #FinancialLiteracy #FidelityInvestments #EstatePlanning #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
Ready to retire with confidence?
No matter your age, retirement planning starts now. Join us on October 13th for an exclusive, in-person seminar packed with high-impact strategies, community networking, and great conversations.
We are incredibly excited to welcome back two fantastic returning guest speakers to share their expert insights!
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room - Days Inn Hotel, Winkler
☕ Food & Drinks: Free refreshments, snacks, coffee, and drinks will be served!
What we will cover:
Asset Maximization: Balancing investments across your RRSP, TFSA, and non-reg accounts.
Tax Efficiency: Minimizing what you owe so you can keep more of your savings.
Wealth Protection: Practical steps to transition smoothly into retirement.
Admission is 100% free, but spaces are limited and registration is required.
Bring a friend! Invite a family member, colleague, or friend who would benefit from building a financial roadmap.
How to Register: Secure your spots today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312. Let us know how many seats to save for you and your guests!
#RetirementPlanning #WinklerMB #FinancialLiteracy #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
No matter your age, retirement planning starts now. Join us on October 13th for an exclusive, in-person seminar packed with high-impact strategies, community networking, and great conversations.
We are incredibly excited to welcome back two fantastic returning guest speakers to share their expert insights!
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room - Days Inn Hotel, Winkler
☕ Food & Drinks: Free refreshments, snacks, coffee, and drinks will be served!
What we will cover:
Asset Maximization: Balancing investments across your RRSP, TFSA, and non-reg accounts.
Tax Efficiency: Minimizing what you owe so you can keep more of your savings.
Wealth Protection: Practical steps to transition smoothly into retirement.
Admission is 100% free, but spaces are limited and registration is required.
Bring a friend! Invite a family member, colleague, or friend who would benefit from building a financial roadmap.
How to Register: Secure your spots today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312. Let us know how many seats to save for you and your guests!
#RetirementPlanning #WinklerMB #FinancialLiteracy #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
Ready to retire with confidence?
No matter your age, retirement planning starts now. Join us on October 13th for an exclusive, in-person seminar packed with high-impact strategies, community networking, and great conversations.
We are incredibly excited to welcome back two fantastic returning guest speakers to share their expert insights!
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room - Days Inn Hotel, Winkler
☕ Food & Drinks: Free refreshments, snacks, coffee, and drinks will be served!
What we will cover:
Asset Maximization: Balancing investments across your RRSP, TFSA, and non-reg accounts.
Tax Efficiency: Minimizing what you owe so you can keep more of your savings.
Wealth Protection: Practical steps to transition smoothly into retirement.
Admission is 100% free, but spaces are limited and registration is required.
Bring a friend! Invite a family member, colleague, or friend who would benefit from building a financial roadmap.
How to Register: Secure your spots today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312. Let us know how many seats to save for you and your guests!
#RetirementPlanning #WinklerMB #FinancialLiteracy #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
No matter your age, retirement planning starts now. Join us on October 13th for an exclusive, in-person seminar packed with high-impact strategies, community networking, and great conversations.
We are incredibly excited to welcome back two fantastic returning guest speakers to share their expert insights!
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room - Days Inn Hotel, Winkler
☕ Food & Drinks: Free refreshments, snacks, coffee, and drinks will be served!
What we will cover:
Asset Maximization: Balancing investments across your RRSP, TFSA, and non-reg accounts.
Tax Efficiency: Minimizing what you owe so you can keep more of your savings.
Wealth Protection: Practical steps to transition smoothly into retirement.
Admission is 100% free, but spaces are limited and registration is required.
Bring a friend! Invite a family member, colleague, or friend who would benefit from building a financial roadmap.
How to Register: Secure your spots today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312. Let us know how many seats to save for you and your guests!
#RetirementPlanning #WinklerMB #FinancialLiteracy #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
Stop treating your TFSA like a regular bank account.
Many Canadians make the mistake of using their Tax-Free Savings Account simply to hold cash. But if you have a long time horizon ahead of you, holding low-yield assets inside a TFSA means you are wasting its biggest advantage.
The real magic of the TFSA is that every single dollar of capital gains, dividends, and interest earned inside the account is completely tax-free when you withdraw it. If your money is earning a very low return, your tax savings are practically zero.
If your financial objective is decades away, your portfolio should likely reflect that long-term timeline with assets that outpace inflation. If you have a short-term objective, safety makes sense. The key is alignment.
Check your account today and ask yourself: Does this investment match my timeline?
#PersonalFinance #TFSA #Investing101 #FinancialFreedom #RetirementPlanning
Many Canadians make the mistake of using their Tax-Free Savings Account simply to hold cash. But if you have a long time horizon ahead of you, holding low-yield assets inside a TFSA means you are wasting its biggest advantage.
The real magic of the TFSA is that every single dollar of capital gains, dividends, and interest earned inside the account is completely tax-free when you withdraw it. If your money is earning a very low return, your tax savings are practically zero.
If your financial objective is decades away, your portfolio should likely reflect that long-term timeline with assets that outpace inflation. If you have a short-term objective, safety makes sense. The key is alignment.
Check your account today and ask yourself: Does this investment match my timeline?
#PersonalFinance #TFSA #Investing101 #FinancialFreedom #RetirementPlanning
Watch video
Ready to take control of your financial future?
No matter your age, retirement planning starts now. Join us for an exclusive, in-person seminar packed with high-impact strategies, community networking, and great conversations.
We are incredibly excited to welcome back two fantastic guest speakers to share their expert insights!
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room – Days Inn Hotel, Winkler
☕ Food & Drinks: Free refreshments, snacks, coffee, and drinks will be served!
What we will cover:
Asset Maximization: Balancing investments across your RRSP, TFSA, and non-reg accounts.
Tax Efficiency: Minimizing what you owe so you can keep more of your savings.
Wealth Protection: Practical steps to transition smoothly into retirement.
Admission is 100% free, but spaces are limited and registration is required.
Bring a friend! Invite a family member, colleague, or friend who would benefit from building a financial retirement roadmap.
📩 How to Register: Secure your spots today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312. Let us know how many seats to save for you and your guests!
#RetirementPlanning #WinklerMB #FinancialLiteracy #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
No matter your age, retirement planning starts now. Join us for an exclusive, in-person seminar packed with high-impact strategies, community networking, and great conversations.
We are incredibly excited to welcome back two fantastic guest speakers to share their expert insights!
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room – Days Inn Hotel, Winkler
☕ Food & Drinks: Free refreshments, snacks, coffee, and drinks will be served!
What we will cover:
Asset Maximization: Balancing investments across your RRSP, TFSA, and non-reg accounts.
Tax Efficiency: Minimizing what you owe so you can keep more of your savings.
Wealth Protection: Practical steps to transition smoothly into retirement.
Admission is 100% free, but spaces are limited and registration is required.
Bring a friend! Invite a family member, colleague, or friend who would benefit from building a financial retirement roadmap.
📩 How to Register: Secure your spots today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312. Let us know how many seats to save for you and your guests!
#RetirementPlanning #WinklerMB #FinancialLiteracy #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
Ready to take control of your financial future?
No matter your age, retirement planning starts now. Join us for an exclusive, in-person seminar packed with high-impact strategies, community networking, and great conversations.
We are incredibly excited to welcome back two fantastic guest speakers to share their expert insights!
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room – Days Inn Hotel, Winkler
☕ Food & Drinks: Free refreshments, snacks, coffee, and drinks will be served!
What we will cover:
Asset Maximization: Balancing investments across your RRSP, TFSA, and non-reg accounts.
Tax Efficiency: Minimizing what you owe so you can keep more of your savings.
Wealth Protection: Practical steps to transition smoothly into retirement.
Admission is 100% free, but spaces are limited and registration is required.
Bring a friend! Invite a family member, colleague, or friend who would benefit from building a financial retirement roadmap.
📩 How to Register: Secure your spots today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312. Let us know how many seats to save for you and your guests!
#RetirementPlanning #WinklerMB #FinancialLiteracy #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
No matter your age, retirement planning starts now. Join us for an exclusive, in-person seminar packed with high-impact strategies, community networking, and great conversations.
We are incredibly excited to welcome back two fantastic guest speakers to share their expert insights!
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room – Days Inn Hotel, Winkler
☕ Food & Drinks: Free refreshments, snacks, coffee, and drinks will be served!
What we will cover:
Asset Maximization: Balancing investments across your RRSP, TFSA, and non-reg accounts.
Tax Efficiency: Minimizing what you owe so you can keep more of your savings.
Wealth Protection: Practical steps to transition smoothly into retirement.
Admission is 100% free, but spaces are limited and registration is required.
Bring a friend! Invite a family member, colleague, or friend who would benefit from building a financial retirement roadmap.
📩 How to Register: Secure your spots today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312. Let us know how many seats to save for you and your guests!
#RetirementPlanning #WinklerMB #FinancialLiteracy #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
Ready to take control of your financial future?
No matter your age, retirement planning starts now. Join us for an exclusive, in-person seminar packed with high-impact strategies, community networking, and great conversations.
We are incredibly excited to welcome back two fantastic guest speakers to share their expert insights!
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room – Days Inn Hotel, Winkler
☕ Food & Drinks: Free refreshments, snacks, coffee, and drinks will be served!
What we will cover:
Asset Maximization: Balancing investments across your RRSP, TFSA, and non-reg accounts.
Tax Efficiency: Minimizing what you owe so you can keep more of your savings.
Wealth Protection: Practical steps to transition smoothly into retirement.
Admission is 100% free, but spaces are limited and registration is required.
Bring a friend! Invite a family member, colleague, or friend who would benefit from building a financial retirement roadmap.
📩 How to Register: Secure your spots today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312. Let us know how many seats to save for you and your guests!
#RetirementPlanning #WinklerMB #FinancialLiteracy #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
No matter your age, retirement planning starts now. Join us for an exclusive, in-person seminar packed with high-impact strategies, community networking, and great conversations.
We are incredibly excited to welcome back two fantastic guest speakers to share their expert insights!
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room – Days Inn Hotel, Winkler
☕ Food & Drinks: Free refreshments, snacks, coffee, and drinks will be served!
What we will cover:
Asset Maximization: Balancing investments across your RRSP, TFSA, and non-reg accounts.
Tax Efficiency: Minimizing what you owe so you can keep more of your savings.
Wealth Protection: Practical steps to transition smoothly into retirement.
Admission is 100% free, but spaces are limited and registration is required.
Bring a friend! Invite a family member, colleague, or friend who would benefit from building a financial retirement roadmap.
📩 How to Register: Secure your spots today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312. Let us know how many seats to save for you and your guests!
#RetirementPlanning #WinklerMB #FinancialLiteracy #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
Ready to take control of your financial future?
No matter your age, retirement planning starts now. Join us for an exclusive, in-person seminar packed with high-impact strategies, community networking, and great conversations.
We are incredibly excited to welcome back two fantastic guest speakers to share their expert insights!
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room – Days Inn Hotel, Winkler
☕ Food & Drinks: Free refreshments, snacks, coffee, and drinks will be served!
What we will cover:
Asset Maximization: Balancing investments across your RRSP, TFSA, and non-reg accounts.
Tax Efficiency: Minimizing what you owe so you can keep more of your savings.
Wealth Protection: Practical steps to transition smoothly into retirement.
Admission is 100% free, but spaces are limited and registration is required.
Bring a friend! Invite a family member, colleague, or friend who would benefit from building a financial retirement roadmap.
📩 How to Register: Secure your spots today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312. Let us know how many seats to save for you and your guests!
#RetirementPlanning #WinklerMB #FinancialLiteracy #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
No matter your age, retirement planning starts now. Join us for an exclusive, in-person seminar packed with high-impact strategies, community networking, and great conversations.
We are incredibly excited to welcome back two fantastic guest speakers to share their expert insights!
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM – 8:30 PM
📍 Location: Conference Room – Days Inn Hotel, Winkler
☕ Food & Drinks: Free refreshments, snacks, coffee, and drinks will be served!
What we will cover:
Asset Maximization: Balancing investments across your RRSP, TFSA, and non-reg accounts.
Tax Efficiency: Minimizing what you owe so you can keep more of your savings.
Wealth Protection: Practical steps to transition smoothly into retirement.
Admission is 100% free, but spaces are limited and registration is required.
Bring a friend! Invite a family member, colleague, or friend who would benefit from building a financial retirement roadmap.
📩 How to Register: Secure your spots today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312. Let us know how many seats to save for you and your guests!
#RetirementPlanning #WinklerMB #FinancialLiteracy #RRSP #TFSA #VictoriousFinancial #SunLifeFinancial
The TFSA is much more that just a savings account.
Let’s clear up a massive misconception that is costing young Canadians thousands of dollars in future wealth.
The word “savings” in Tax-Free Savings Account has confused an entire generation, leading people to treat a massive investment superpower like a boring cash account.
Think of the TFSA as a protective, tax-free shell. If you are just leaving cash sitting there earning pennies, you are missing out. The actual investments you hold inside that shell—like stocks, mutual funds, or ETFs—are what determine your real returns and your risk level.
The best part? This strategy isn't unique to the TFSA. It is the exact same concept for your FHSA, RRSP, and non-registered accounts!
#TFSA #InvestingForBeginners #FinancialLiteracy #YoungInvestors #VictoriousFinancial
Let’s clear up a massive misconception that is costing young Canadians thousands of dollars in future wealth.
The word “savings” in Tax-Free Savings Account has confused an entire generation, leading people to treat a massive investment superpower like a boring cash account.
Think of the TFSA as a protective, tax-free shell. If you are just leaving cash sitting there earning pennies, you are missing out. The actual investments you hold inside that shell—like stocks, mutual funds, or ETFs—are what determine your real returns and your risk level.
The best part? This strategy isn't unique to the TFSA. It is the exact same concept for your FHSA, RRSP, and non-registered accounts!
#TFSA #InvestingForBeginners #FinancialLiteracy #YoungInvestors #VictoriousFinancial
Watch video
More travel? Less stress? More time with family? Retirement planning involves more than saving enough money. It's about creating a life you look forward to.
What does your ideal retirement include? Share one thing in the comments. ⬇️
If you're building toward retirement, together we can review if your financial strategy is aligned with the future you envision. https://advisor.sunlife.ca/kimberley.jensen.doty/
What does your ideal retirement include? Share one thing in the comments. ⬇️
If you're building toward retirement, together we can review if your financial strategy is aligned with the future you envision. https://advisor.sunlife.ca/kimberley.jensen.doty/
More travel? Less stress? More time with family? Retirement planning involves more than saving enough money. It's about creating a life you look forward to.
What does your ideal retirement include? Share one thing in the comments. ⬇️
If you're building toward retirement, together we can review if your financial strategy is aligned with the future you envision. https://advisor.sunlife.ca/kimberley.jensen.doty/
What does your ideal retirement include? Share one thing in the comments. ⬇️
If you're building toward retirement, together we can review if your financial strategy is aligned with the future you envision. https://advisor.sunlife.ca/kimberley.jensen.doty/
Ready to take control of your financial future?
Building a secure retirement isn't just about saving money - it's about understanding how to make your assets work for you across accounts like your TFSA, RRSP, and beyond. If you want to cut through the confusion and learn how to maximize your growth, we're bringing the strategy directly to you. Join us for an insightful evening dedicated to effective, real-world retirement strategies designed to protect and grow your wealth.
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM
📍 Location: Days Inn Hotel - Conference Room, Winkler
Whether you are just starting to plan or looking to optimize your current investments, this session will give you the practical steps you need to take control.
Spaces are limited! Email makkedah.veldman@sunlife.com to register. See you there!
#RetirementPlanning #WinklerMB #CanadianFinance #FinancialLiteracy #RRSP #TFSA #InvestInYourFuture #VictoriousFinancial
Building a secure retirement isn't just about saving money - it's about understanding how to make your assets work for you across accounts like your TFSA, RRSP, and beyond. If you want to cut through the confusion and learn how to maximize your growth, we're bringing the strategy directly to you. Join us for an insightful evening dedicated to effective, real-world retirement strategies designed to protect and grow your wealth.
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM
📍 Location: Days Inn Hotel - Conference Room, Winkler
Whether you are just starting to plan or looking to optimize your current investments, this session will give you the practical steps you need to take control.
Spaces are limited! Email makkedah.veldman@sunlife.com to register. See you there!
#RetirementPlanning #WinklerMB #CanadianFinance #FinancialLiteracy #RRSP #TFSA #InvestInYourFuture #VictoriousFinancial
Ready to take control of your financial future?
Building a secure retirement isn't just about saving money - it's about understanding how to make your assets work for you across accounts like your TFSA, RRSP, and beyond. If you want to cut through the confusion and learn how to maximize your growth, we're bringing the strategy directly to you. Join us for an insightful evening dedicated to effective, real-world retirement strategies designed to protect and grow your wealth.
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM
📍 Location: Days Inn Hotel - Conference Room, Winkler
Whether you are just starting to plan or looking to optimize your current investments, this session will give you the practical steps you need to take control.
Spaces are limited! Email makkedah.veldman@sunlife.com to register. See you there!
#RetirementPlanning #WinklerMB #CanadianFinance #FinancialLiteracy #RRSP #TFSA #InvestInYourFuture #VictoriousFinancial
Building a secure retirement isn't just about saving money - it's about understanding how to make your assets work for you across accounts like your TFSA, RRSP, and beyond. If you want to cut through the confusion and learn how to maximize your growth, we're bringing the strategy directly to you. Join us for an insightful evening dedicated to effective, real-world retirement strategies designed to protect and grow your wealth.
🗓️ Date: Tuesday, October 13
🕕 Time: 6:00 PM
📍 Location: Days Inn Hotel - Conference Room, Winkler
Whether you are just starting to plan or looking to optimize your current investments, this session will give you the practical steps you need to take control.
Spaces are limited! Email makkedah.veldman@sunlife.com to register. See you there!
#RetirementPlanning #WinklerMB #CanadianFinance #FinancialLiteracy #RRSP #TFSA #InvestInYourFuture #VictoriousFinancial
Thank you to everyone who joined Victorious Financial Services for our live online Mastering Your Money webinar this week!
We spent an incredible hour cutting through the financial jargon to map out real, practical money strategies built for young adults.
Swipe through the slides to see a few of the top takeaways we discussed—including the true cost of waiting to save, the 30% credit rule, and essential tools for first-home planning.
Building long-term wealth isn't about having a massive income right now. It's about developing strong habits with the money you have today and giving your dollars a clear purpose.
Want the full, step-by-step blueprint sent straight to your inbox?
We put together a comprehensive, easy to understand summary email covering everything we taught, including our live Q&A examples.
Comment "RECAP" below or send us a message, and we will email the full document over to you!
Let’s keep building that financial momentum.
#MasteringYourMoney #FinancialLiteracy #SmartSaving #FirstHomePlanning #CreditBasics
We spent an incredible hour cutting through the financial jargon to map out real, practical money strategies built for young adults.
Swipe through the slides to see a few of the top takeaways we discussed—including the true cost of waiting to save, the 30% credit rule, and essential tools for first-home planning.
Building long-term wealth isn't about having a massive income right now. It's about developing strong habits with the money you have today and giving your dollars a clear purpose.
Want the full, step-by-step blueprint sent straight to your inbox?
We put together a comprehensive, easy to understand summary email covering everything we taught, including our live Q&A examples.
Comment "RECAP" below or send us a message, and we will email the full document over to you!
Let’s keep building that financial momentum.
#MasteringYourMoney #FinancialLiteracy #SmartSaving #FirstHomePlanning #CreditBasics
Thank you to everyone who joined Victorious Financial Services for our live online Mastering Your Money webinar this week!
We spent an incredible hour cutting through the financial jargon to map out real, practical money strategies built for young adults.
Swipe through the slides to see a few of the top takeaways we discussed—including the true cost of waiting to save, the 30% credit rule, and essential tools for first-home planning.
Building long-term wealth isn't about having a massive income right now. It's about developing strong habits with the money you have today and giving your dollars a clear purpose.
Want the full, step-by-step blueprint sent straight to your inbox?
We put together a comprehensive, easy to understand summary email covering everything we taught, including our live Q&A examples.
Comment "RECAP" below or send us a message, and we will email the full document over to you!
Let’s keep building that financial momentum.
#MasteringYourMoney #FinancialLiteracy #SmartSaving #FirstHomePlanning #CreditBasics
We spent an incredible hour cutting through the financial jargon to map out real, practical money strategies built for young adults.
Swipe through the slides to see a few of the top takeaways we discussed—including the true cost of waiting to save, the 30% credit rule, and essential tools for first-home planning.
Building long-term wealth isn't about having a massive income right now. It's about developing strong habits with the money you have today and giving your dollars a clear purpose.
Want the full, step-by-step blueprint sent straight to your inbox?
We put together a comprehensive, easy to understand summary email covering everything we taught, including our live Q&A examples.
Comment "RECAP" below or send us a message, and we will email the full document over to you!
Let’s keep building that financial momentum.
#MasteringYourMoney #FinancialLiteracy #SmartSaving #FirstHomePlanning #CreditBasics
A "guaranteed return" does not mean your money is safe from losing its value.
Many investors lock their money into GICs or "safe" investments thinking they have completely eliminated risk. However, there is a silent risk that fixed-income investments cannot protect you against: inflation. If your money isn't growing faster than the rising cost of living, your purchasing power is actually shrinking.
Swipe through to see the massive difference between guaranteed safety and real wealth growth:
- The Purchasing Power Illusion: It feels good to know your principal is secure. However, inflation doesn't care about a guarantee. If your after-tax investment return is lower than the rate of inflation, you are quietly losing buying power every single year.
- The Data Doesn't Lie: Look at the growth chart tracking a $10,000 investment over a 16-year period (2009–2026). While 1-year, 3-year, and 5-year GICs slowly crawled up to finish between $12,578 and $13,984, a balanced income pool (like the Fidelity Balanced Income Priv Pool) grew to a staggering $27,401.
- The Real Cost of "Safety": By choosing the absolute certainty of a GIC over a diversified, managed portfolio, the wealth gap over time cost the investor nearly double the growth.
True financial security isn’t just about protecting your principal today—it is about protecting what that money can actually buy you tomorrow.
Are your long-term savings keeping pace with inflation, or are they quietly losing power? Let’s review your portfolio to balance true safety with growth.
#FinancialPlanning #Inflation #GIC #WealthManagement #CanadianInvestors #PurchasingPower #InvestingTips #PortfolioGrowth
Many investors lock their money into GICs or "safe" investments thinking they have completely eliminated risk. However, there is a silent risk that fixed-income investments cannot protect you against: inflation. If your money isn't growing faster than the rising cost of living, your purchasing power is actually shrinking.
Swipe through to see the massive difference between guaranteed safety and real wealth growth:
- The Purchasing Power Illusion: It feels good to know your principal is secure. However, inflation doesn't care about a guarantee. If your after-tax investment return is lower than the rate of inflation, you are quietly losing buying power every single year.
- The Data Doesn't Lie: Look at the growth chart tracking a $10,000 investment over a 16-year period (2009–2026). While 1-year, 3-year, and 5-year GICs slowly crawled up to finish between $12,578 and $13,984, a balanced income pool (like the Fidelity Balanced Income Priv Pool) grew to a staggering $27,401.
- The Real Cost of "Safety": By choosing the absolute certainty of a GIC over a diversified, managed portfolio, the wealth gap over time cost the investor nearly double the growth.
True financial security isn’t just about protecting your principal today—it is about protecting what that money can actually buy you tomorrow.
Are your long-term savings keeping pace with inflation, or are they quietly losing power? Let’s review your portfolio to balance true safety with growth.
#FinancialPlanning #Inflation #GIC #WealthManagement #CanadianInvestors #PurchasingPower #InvestingTips #PortfolioGrowth
A "guaranteed return" does not mean your money is safe from losing its value.
Many investors lock their money into GICs or "safe" investments thinking they have completely eliminated risk. However, there is a silent risk that fixed-income investments cannot protect you against: inflation. If your money isn't growing faster than the rising cost of living, your purchasing power is actually shrinking.
Swipe through to see the massive difference between guaranteed safety and real wealth growth:
- The Purchasing Power Illusion: It feels good to know your principal is secure. However, inflation doesn't care about a guarantee. If your after-tax investment return is lower than the rate of inflation, you are quietly losing buying power every single year.
- The Data Doesn't Lie: Look at the growth chart tracking a $10,000 investment over a 16-year period (2009–2026). While 1-year, 3-year, and 5-year GICs slowly crawled up to finish between $12,578 and $13,984, a balanced income pool (like the Fidelity Balanced Income Priv Pool) grew to a staggering $27,401.
- The Real Cost of "Safety": By choosing the absolute certainty of a GIC over a diversified, managed portfolio, the wealth gap over time cost the investor nearly double the growth.
True financial security isn’t just about protecting your principal today—it is about protecting what that money can actually buy you tomorrow.
Are your long-term savings keeping pace with inflation, or are they quietly losing power? Let’s review your portfolio to balance true safety with growth.
#FinancialPlanning #Inflation #GIC #WealthManagement #CanadianInvestors #PurchasingPower #InvestingTips #PortfolioGrowth
Many investors lock their money into GICs or "safe" investments thinking they have completely eliminated risk. However, there is a silent risk that fixed-income investments cannot protect you against: inflation. If your money isn't growing faster than the rising cost of living, your purchasing power is actually shrinking.
Swipe through to see the massive difference between guaranteed safety and real wealth growth:
- The Purchasing Power Illusion: It feels good to know your principal is secure. However, inflation doesn't care about a guarantee. If your after-tax investment return is lower than the rate of inflation, you are quietly losing buying power every single year.
- The Data Doesn't Lie: Look at the growth chart tracking a $10,000 investment over a 16-year period (2009–2026). While 1-year, 3-year, and 5-year GICs slowly crawled up to finish between $12,578 and $13,984, a balanced income pool (like the Fidelity Balanced Income Priv Pool) grew to a staggering $27,401.
- The Real Cost of "Safety": By choosing the absolute certainty of a GIC over a diversified, managed portfolio, the wealth gap over time cost the investor nearly double the growth.
True financial security isn’t just about protecting your principal today—it is about protecting what that money can actually buy you tomorrow.
Are your long-term savings keeping pace with inflation, or are they quietly losing power? Let’s review your portfolio to balance true safety with growth.
#FinancialPlanning #Inflation #GIC #WealthManagement #CanadianInvestors #PurchasingPower #InvestingTips #PortfolioGrowth
We had a great time joining the Kids Biz Camp for lunch and a special training session last Tuesday!
Kim had the privilege of teaching these young entrepreneurs all about customer service and how to successfully sell their products. We were very impressed by how much these kids already know—they are absolute rock stars and true future community leaders!
A huge shoutout to Ken Reimer and the amazing team at Community Futures Heartland for running such a fantastic camp. Grateful for the opportunity to spend time with and speak to this wonderful group!
#community #business #kidsbizcamp #youngentrepreneurs #CommunityFuturesHeartland #FutureLeaders
Kim had the privilege of teaching these young entrepreneurs all about customer service and how to successfully sell their products. We were very impressed by how much these kids already know—they are absolute rock stars and true future community leaders!
A huge shoutout to Ken Reimer and the amazing team at Community Futures Heartland for running such a fantastic camp. Grateful for the opportunity to spend time with and speak to this wonderful group!
#community #business #kidsbizcamp #youngentrepreneurs #CommunityFuturesHeartland #FutureLeaders
We had a great time joining the Kids Biz Camp for lunch and a special training session last Tuesday!
Kim had the privilege of teaching these young entrepreneurs all about customer service and how to successfully sell their products. We were very impressed by how much these kids already know—they are absolute rock stars and true future community leaders!
A huge shoutout to Ken Reimer and the amazing team at Community Futures Heartland for running such a fantastic camp. Grateful for the opportunity to spend time with and speak to this wonderful group!
#community #business #kidsbizcamp #youngentrepreneurs #CommunityFuturesHeartland #FutureLeaders
Kim had the privilege of teaching these young entrepreneurs all about customer service and how to successfully sell their products. We were very impressed by how much these kids already know—they are absolute rock stars and true future community leaders!
A huge shoutout to Ken Reimer and the amazing team at Community Futures Heartland for running such a fantastic camp. Grateful for the opportunity to spend time with and speak to this wonderful group!
#community #business #kidsbizcamp #youngentrepreneurs #CommunityFuturesHeartland #FutureLeaders
Take control of your financial future—zero pressure, all strategy.
Join Victorious Financial Services on August 25th at 7:00 PM for our free live webinar, Mastering Your Money. We are breaking down the essentials of:
🔹 Smart savings & investment setups
🔹 Mastering your credit score
🔹 Practical steps for first-home planning
Build a clear financial roadmap using simple concepts you can actually use.
Register today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
#FinancialFreedom #Wealth101 #CreditBasics #HomeBuyingTips #VictoriousFinancial
Join Victorious Financial Services on August 25th at 7:00 PM for our free live webinar, Mastering Your Money. We are breaking down the essentials of:
🔹 Smart savings & investment setups
🔹 Mastering your credit score
🔹 Practical steps for first-home planning
Build a clear financial roadmap using simple concepts you can actually use.
Register today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
#FinancialFreedom #Wealth101 #CreditBasics #HomeBuyingTips #VictoriousFinancial
Take control of your financial future—zero pressure, all strategy.
Join Victorious Financial Services on August 25th at 7:00 PM for our free live webinar, Mastering Your Money. We are breaking down the essentials of:
🔹 Smart savings & investment setups
🔹 Mastering your credit score
🔹 Practical steps for first-home planning
Build a clear financial roadmap using simple concepts you can actually use.
Register today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
#FinancialFreedom #Wealth101 #CreditBasics #HomeBuyingTips #VictoriousFinancial
Join Victorious Financial Services on August 25th at 7:00 PM for our free live webinar, Mastering Your Money. We are breaking down the essentials of:
🔹 Smart savings & investment setups
🔹 Mastering your credit score
🔹 Practical steps for first-home planning
Build a clear financial roadmap using simple concepts you can actually use.
Register today by emailing makkedah.veldman@sunlife.com or by calling 204-745-6312.
#FinancialFreedom #Wealth101 #CreditBasics #HomeBuyingTips #VictoriousFinancial
When you think about portfolio management, what is the first thing that comes to mind?
For most people, it is market volatility and risk tolerance. While managing investment risk is a massive part of what we do, it is only half of the equation. There is a silent partner in your portfolio that can quietly drain your returns if left unchecked: taxes.
Swipe through to see why managing tax is just as critical as managing risk:
- The Real Return Equation: Most investors live by the rule "higher risk equals higher return." But a high rate of return on paper doesn't mean much if a massive chunk of it is handed over to the CRA at tax time.
- A Tale of Two 6% Returns: Imagine two identical portfolios both earning a 6% return. One is structured efficiently to maximize capital gains and Canadian dividend tax credits. The other is heavily exposed to fully taxable interest income. Even though they performed exactly the same in the market, the tax-efficient portfolio leaves the investor with thousands of dollars more in actual take-home cash flow.
- True Wealth Management: Protecting your wealth means building a strategy around asset location—ensuring the right investments are held in the right accounts (like TFSAs, RRSPs, or corporate structures) to minimize the tax drag.
Earning more is great, but keeping more is how you actually build long-term wealth.
Is your current financial strategy ignoring the tax side of the equation? Let's take a look at how we can optimize your portfolio's tax efficiency. Reach out today!
#FinancialPlanning #TaxEfficiency #InvestingTips #WealthManagement #CanadianInvestors #RiskManagement #AssetLocation #PortfolioStrategy
For most people, it is market volatility and risk tolerance. While managing investment risk is a massive part of what we do, it is only half of the equation. There is a silent partner in your portfolio that can quietly drain your returns if left unchecked: taxes.
Swipe through to see why managing tax is just as critical as managing risk:
- The Real Return Equation: Most investors live by the rule "higher risk equals higher return." But a high rate of return on paper doesn't mean much if a massive chunk of it is handed over to the CRA at tax time.
- A Tale of Two 6% Returns: Imagine two identical portfolios both earning a 6% return. One is structured efficiently to maximize capital gains and Canadian dividend tax credits. The other is heavily exposed to fully taxable interest income. Even though they performed exactly the same in the market, the tax-efficient portfolio leaves the investor with thousands of dollars more in actual take-home cash flow.
- True Wealth Management: Protecting your wealth means building a strategy around asset location—ensuring the right investments are held in the right accounts (like TFSAs, RRSPs, or corporate structures) to minimize the tax drag.
Earning more is great, but keeping more is how you actually build long-term wealth.
Is your current financial strategy ignoring the tax side of the equation? Let's take a look at how we can optimize your portfolio's tax efficiency. Reach out today!
#FinancialPlanning #TaxEfficiency #InvestingTips #WealthManagement #CanadianInvestors #RiskManagement #AssetLocation #PortfolioStrategy
When you think about portfolio management, what is the first thing that comes to mind?
For most people, it is market volatility and risk tolerance. While managing investment risk is a massive part of what we do, it is only half of the equation. There is a silent partner in your portfolio that can quietly drain your returns if left unchecked: taxes.
Swipe through to see why managing tax is just as critical as managing risk:
- The Real Return Equation: Most investors live by the rule "higher risk equals higher return." But a high rate of return on paper doesn't mean much if a massive chunk of it is handed over to the CRA at tax time.
- A Tale of Two 6% Returns: Imagine two identical portfolios both earning a 6% return. One is structured efficiently to maximize capital gains and Canadian dividend tax credits. The other is heavily exposed to fully taxable interest income. Even though they performed exactly the same in the market, the tax-efficient portfolio leaves the investor with thousands of dollars more in actual take-home cash flow.
- True Wealth Management: Protecting your wealth means building a strategy around asset location—ensuring the right investments are held in the right accounts (like TFSAs, RRSPs, or corporate structures) to minimize the tax drag.
Earning more is great, but keeping more is how you actually build long-term wealth.
Is your current financial strategy ignoring the tax side of the equation? Let's take a look at how we can optimize your portfolio's tax efficiency. Reach out today!
#FinancialPlanning #TaxEfficiency #InvestingTips #WealthManagement #CanadianInvestors #RiskManagement #AssetLocation #PortfolioStrategy
For most people, it is market volatility and risk tolerance. While managing investment risk is a massive part of what we do, it is only half of the equation. There is a silent partner in your portfolio that can quietly drain your returns if left unchecked: taxes.
Swipe through to see why managing tax is just as critical as managing risk:
- The Real Return Equation: Most investors live by the rule "higher risk equals higher return." But a high rate of return on paper doesn't mean much if a massive chunk of it is handed over to the CRA at tax time.
- A Tale of Two 6% Returns: Imagine two identical portfolios both earning a 6% return. One is structured efficiently to maximize capital gains and Canadian dividend tax credits. The other is heavily exposed to fully taxable interest income. Even though they performed exactly the same in the market, the tax-efficient portfolio leaves the investor with thousands of dollars more in actual take-home cash flow.
- True Wealth Management: Protecting your wealth means building a strategy around asset location—ensuring the right investments are held in the right accounts (like TFSAs, RRSPs, or corporate structures) to minimize the tax drag.
Earning more is great, but keeping more is how you actually build long-term wealth.
Is your current financial strategy ignoring the tax side of the equation? Let's take a look at how we can optimize your portfolio's tax efficiency. Reach out today!
#FinancialPlanning #TaxEfficiency #InvestingTips #WealthManagement #CanadianInvestors #RiskManagement #AssetLocation #PortfolioStrategy
Congratulations to Brittany on passing all of her LLQP exams - a significant milestone and incredible accomplishment!
This achievement reflects her hard work, dedication, and commitment to growing professionally. At Victorious Financial Services, we believe that investing in continuous learning allows us to better serve our clients with excellence, and Brittany's success is a wonderful example of that commitment.
We are so proud to have Brittany as part of our team and can't wait to see all she accomplishes in this next chapter.
Please join us in congratulating Brittany on this well-deserved achievement!
This achievement reflects her hard work, dedication, and commitment to growing professionally. At Victorious Financial Services, we believe that investing in continuous learning allows us to better serve our clients with excellence, and Brittany's success is a wonderful example of that commitment.
We are so proud to have Brittany as part of our team and can't wait to see all she accomplishes in this next chapter.
Please join us in congratulating Brittany on this well-deserved achievement!
Congratulations to Brittany on passing all of her LLQP exams - a significant milestone and incredible accomplishment!
This achievement reflects her hard work, dedication, and commitment to growing professionally. At Victorious Financial Services, we believe that investing in continuous learning allows us to better serve our clients with excellence, and Brittany's success is a wonderful example of that commitment.
We are so proud to have Brittany as part of our team and can't wait to see all she accomplishes in this next chapter.
Please join us in congratulating Brittany on this well-deserved achievement!
This achievement reflects her hard work, dedication, and commitment to growing professionally. At Victorious Financial Services, we believe that investing in continuous learning allows us to better serve our clients with excellence, and Brittany's success is a wonderful example of that commitment.
We are so proud to have Brittany as part of our team and can't wait to see all she accomplishes in this next chapter.
Please join us in congratulating Brittany on this well-deserved achievement!
Is the CRA taking a bigger portion out of your investments than you are keeping?
When you build a portfolio, it is easy to focus entirely on the top-line rate of return. However, what truly matters is what you actually get to keep in your pocket after taxes. In Canada, different types of investment income are taxed very differently.
Swipe through to see the breakdown of how the CRA treats $100,000 across interest, dividends, and capital gains:
- Interest Income: Earning money from GICs or high-interest savings accounts feels safe. But because it is taxed at your full marginal rate, high earners can lose over half ($53,530) straight to the government.
- Canadian Dividends: Eligible dividends from Canadian corporations receive a tax credit. This leaves you with significantly more cash flow ($60,660) compared to straight interest.
- Capital Gains: Selling an asset for a profit is one of the most tax-efficient ways to build wealth. Since only a portion of the gain is taxable, you keep a much larger slice of the pie ($73,235).
As the saying goes: It's not always about earning more. Sometimes it's about keeping more. Structuring your portfolio for tax efficiency can save you tens of thousands of dollars over time.
Are your investments structured to minimize your tax bill? Let’s look at your asset location strategy. Reach out today!
#TaxEfficiency #CanadianTax #InvestingTips #WealthManagement #FinancialPlanning #CRA #CapitalGains #DividendInvesting
When you build a portfolio, it is easy to focus entirely on the top-line rate of return. However, what truly matters is what you actually get to keep in your pocket after taxes. In Canada, different types of investment income are taxed very differently.
Swipe through to see the breakdown of how the CRA treats $100,000 across interest, dividends, and capital gains:
- Interest Income: Earning money from GICs or high-interest savings accounts feels safe. But because it is taxed at your full marginal rate, high earners can lose over half ($53,530) straight to the government.
- Canadian Dividends: Eligible dividends from Canadian corporations receive a tax credit. This leaves you with significantly more cash flow ($60,660) compared to straight interest.
- Capital Gains: Selling an asset for a profit is one of the most tax-efficient ways to build wealth. Since only a portion of the gain is taxable, you keep a much larger slice of the pie ($73,235).
As the saying goes: It's not always about earning more. Sometimes it's about keeping more. Structuring your portfolio for tax efficiency can save you tens of thousands of dollars over time.
Are your investments structured to minimize your tax bill? Let’s look at your asset location strategy. Reach out today!
#TaxEfficiency #CanadianTax #InvestingTips #WealthManagement #FinancialPlanning #CRA #CapitalGains #DividendInvesting
Is the CRA taking a bigger portion out of your investments than you are keeping?
When you build a portfolio, it is easy to focus entirely on the top-line rate of return. However, what truly matters is what you actually get to keep in your pocket after taxes. In Canada, different types of investment income are taxed very differently.
Swipe through to see the breakdown of how the CRA treats $100,000 across interest, dividends, and capital gains:
- Interest Income: Earning money from GICs or high-interest savings accounts feels safe. But because it is taxed at your full marginal rate, high earners can lose over half ($53,530) straight to the government.
- Canadian Dividends: Eligible dividends from Canadian corporations receive a tax credit. This leaves you with significantly more cash flow ($60,660) compared to straight interest.
- Capital Gains: Selling an asset for a profit is one of the most tax-efficient ways to build wealth. Since only a portion of the gain is taxable, you keep a much larger slice of the pie ($73,235).
As the saying goes: It's not always about earning more. Sometimes it's about keeping more. Structuring your portfolio for tax efficiency can save you tens of thousands of dollars over time.
Are your investments structured to minimize your tax bill? Let’s look at your asset location strategy. Reach out today!
#TaxEfficiency #CanadianTax #InvestingTips #WealthManagement #FinancialPlanning #CRA #CapitalGains #DividendInvesting
When you build a portfolio, it is easy to focus entirely on the top-line rate of return. However, what truly matters is what you actually get to keep in your pocket after taxes. In Canada, different types of investment income are taxed very differently.
Swipe through to see the breakdown of how the CRA treats $100,000 across interest, dividends, and capital gains:
- Interest Income: Earning money from GICs or high-interest savings accounts feels safe. But because it is taxed at your full marginal rate, high earners can lose over half ($53,530) straight to the government.
- Canadian Dividends: Eligible dividends from Canadian corporations receive a tax credit. This leaves you with significantly more cash flow ($60,660) compared to straight interest.
- Capital Gains: Selling an asset for a profit is one of the most tax-efficient ways to build wealth. Since only a portion of the gain is taxable, you keep a much larger slice of the pie ($73,235).
As the saying goes: It's not always about earning more. Sometimes it's about keeping more. Structuring your portfolio for tax efficiency can save you tens of thousands of dollars over time.
Are your investments structured to minimize your tax bill? Let’s look at your asset location strategy. Reach out today!
#TaxEfficiency #CanadianTax #InvestingTips #WealthManagement #FinancialPlanning #CRA #CapitalGains #DividendInvesting
Don't just automatically hit "renew" on your maturing GIC without looking at the bigger picture first.
While Guaranteed Investment Certificates (GICs) offer peace of mind and safety, they might be quietly eroding your wealth over the long term. Before you lock your money away again, consider how inflation and taxes impact your actual take-home returns.
Swipe through to see why the answer isn't always another GIC:
The Inflation Bite: When you factor in the rising cost of living, your "real" return on a GIC can often dip into negative territory.
The Power of Compounding: Over time, diversified investment pools historically outperform standard GICs, drastically widening your wealth gap.
The Tax Drag: GIC interest is taxed at your highest marginal rate, whereas Canadian dividends and capital gains receive much more favorable tax treatment.
Corporate Inefficiency: For business owners, holding passive interest income inside a corporation can be incredibly tax-inefficient.
Before your next renewal, ask yourself if you are optimizing for short-term safety, or true, long-term purchasing power.
While Guaranteed Investment Certificates (GICs) offer peace of mind and safety, they might be quietly eroding your wealth over the long term. Before you lock your money away again, consider how inflation and taxes impact your actual take-home returns.
Swipe through to see why the answer isn't always another GIC:
The Inflation Bite: When you factor in the rising cost of living, your "real" return on a GIC can often dip into negative territory.
The Power of Compounding: Over time, diversified investment pools historically outperform standard GICs, drastically widening your wealth gap.
The Tax Drag: GIC interest is taxed at your highest marginal rate, whereas Canadian dividends and capital gains receive much more favorable tax treatment.
Corporate Inefficiency: For business owners, holding passive interest income inside a corporation can be incredibly tax-inefficient.
Before your next renewal, ask yourself if you are optimizing for short-term safety, or true, long-term purchasing power.
Don't just automatically hit "renew" on your maturing GIC without looking at the bigger picture first.
While Guaranteed Investment Certificates (GICs) offer peace of mind and safety, they might be quietly eroding your wealth over the long term. Before you lock your money away again, consider how inflation and taxes impact your actual take-home returns.
Swipe through to see why the answer isn't always another GIC:
The Inflation Bite: When you factor in the rising cost of living, your "real" return on a GIC can often dip into negative territory.
The Power of Compounding: Over time, diversified investment pools historically outperform standard GICs, drastically widening your wealth gap.
The Tax Drag: GIC interest is taxed at your highest marginal rate, whereas Canadian dividends and capital gains receive much more favorable tax treatment.
Corporate Inefficiency: For business owners, holding passive interest income inside a corporation can be incredibly tax-inefficient.
Before your next renewal, ask yourself if you are optimizing for short-term safety, or true, long-term purchasing power.
While Guaranteed Investment Certificates (GICs) offer peace of mind and safety, they might be quietly eroding your wealth over the long term. Before you lock your money away again, consider how inflation and taxes impact your actual take-home returns.
Swipe through to see why the answer isn't always another GIC:
The Inflation Bite: When you factor in the rising cost of living, your "real" return on a GIC can often dip into negative territory.
The Power of Compounding: Over time, diversified investment pools historically outperform standard GICs, drastically widening your wealth gap.
The Tax Drag: GIC interest is taxed at your highest marginal rate, whereas Canadian dividends and capital gains receive much more favorable tax treatment.
Corporate Inefficiency: For business owners, holding passive interest income inside a corporation can be incredibly tax-inefficient.
Before your next renewal, ask yourself if you are optimizing for short-term safety, or true, long-term purchasing power.
Happy 18th Sun Life work anniversary to our incredible boss and President, Kim!
Kim has partnered alongside Sun Life for 18 years, now steering Victorious Financial Services with exceptional leadership and a deep commitment to our community. Thank you for your steady guidance that keeps our team and our clients growing year after year!
#FinancialServices #Milestone #ThankYou
Kim has partnered alongside Sun Life for 18 years, now steering Victorious Financial Services with exceptional leadership and a deep commitment to our community. Thank you for your steady guidance that keeps our team and our clients growing year after year!
#FinancialServices #Milestone #ThankYou
Happy 18th Sun Life work anniversary to our incredible boss and President, Kim!
Kim has partnered alongside Sun Life for 18 years, now steering Victorious Financial Services with exceptional leadership and a deep commitment to our community. Thank you for your steady guidance that keeps our team and our clients growing year after year!
#FinancialServices #Milestone #ThankYou
Kim has partnered alongside Sun Life for 18 years, now steering Victorious Financial Services with exceptional leadership and a deep commitment to our community. Thank you for your steady guidance that keeps our team and our clients growing year after year!
#FinancialServices #Milestone #ThankYou
Happy Birthday to our incredible Client Services Manager, Maureen!
Maureen keeps our entire team organized and running smoothly every single day, and we are so incredibly grateful for everything she does. Her dedication ensures that our clients always receive the highest level of care, warmth, and support.
Maureen keeps our entire team organized and running smoothly every single day, and we are so incredibly grateful for everything she does. Her dedication ensures that our clients always receive the highest level of care, warmth, and support.
Happy Birthday to our incredible Client Services Manager, Maureen!
Maureen keeps our entire team organized and running smoothly every single day, and we are so incredibly grateful for everything she does. Her dedication ensures that our clients always receive the highest level of care, warmth, and support.
Maureen keeps our entire team organized and running smoothly every single day, and we are so incredibly grateful for everything she does. Her dedication ensures that our clients always receive the highest level of care, warmth, and support.
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We are contracted with Sun Life Financial Distributors (Canada) Inc., a member of the Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.