Media

Thinking of co-signing your child’s mortgage? Think again.

• You’re liable for 100% of the debt
• It counts against your borrowing power
• Renewal can happen without your consent
• Nearly impossible to unwind if things go sideways

Smarter alternatives: early inheritance (investments, HELOC, reverse mortgage) + estate equalization planning. Peter breaks it all down on this week’s CTV Morning Live Vancouver.

Are you a small business owner?

Tune in to this week’s session of CTV Morning Live Vancouver for Peter’s tips on how to use a personal corporation to build wealth.

Here’s what you’ll learn:

• How leaving retained earnings in your corporation can fuel long-term growth
• How your company can act as your own pension plan
• How to use corporate funds for insurance instead of personal dollars (and even convert taxable investments through insurance strategies)

Don’t miss these insights and more.

Feeling the back-to-school, back-to-work exhaustion? You’re not alone. Historically, September has been the worst-performing month for markets (since 1927, per Bank of America & Bloomberg).

• Don’t be surprised.
• Stay the course—it all averages out.
• Or, if you’ve been waiting on the sidelines, this could be your dip-buying moment.

Oddly enough, February is the next worst month, while July shines as the strongest. Catch Peter on CTV Morning Live Vancouver for smart, practical financial insights you can actually use.

RRSP, GRSP, TFSA, FHSA, RESP… it can feel like an alphabet soup of options.
This week on CTV Morning Live Vancouver, Peter breaks it all down and serves up the answers. Tune in!

Don’t just lock in the lowest rate—make your home equity work for your retirement. Here’s how:

• Re-amortize to lower payments and use the extra cash flow to top up your TFSA or RRSP
• Consolidate debts—shift what you already owe into a lower-interest option
• Explore a mortgage deductibility strategy

Your mortgage doesn’t have to be 25 or 30 years. Build wealth now, and you’ll have the flexibility to pay it off later. Peter shares his top tips on this week’s session of CTV Morning Live Vancouver. Don’t miss it!

Bought a prebuild in 2021 or 2022? Now it’s time to close—but the bank’s appraisal is way lower than what you paid.

So what happens now?

• Can you walk away from the deal?
• How do you cover the gap?
• What happens to your deposit?

Peter breaks it all down on CTV Morning Live Vancouver, tune in to learn about your options before it’s too late.

Don’t let the headlines guide your money decisions:

• Every story has two sides
• Headlines are designed to trigger emotions—and bad choices
• Do “good” or “bad” numbers on the TSX really matter to your portfolio?

Peter breaks it down on this week’s CTV Morning Live so you don’t get fooled by the noise. Tune in!

This week on CTV Morning Live, Peter breaks down the key differences between mortgage life insurance and traditional life insurance—covering costs, cancellation policies, eligibility and more.

Tune in for the full breakdown and make sure you’re covered in the way that works best for you.

This week on CTV Morning Live Vancouver, Peter explains what really happens to your RESP if the Subscriber dies – and clears up a common misconception.

Most people think a RESP disappears from their estate because it’s a “trust”—but that’s not quite true. It’s actually a contract between you (the Subscriber) and your bank or financial institution (the Promoter).

So, what does this mean for your RESP and your loved ones after you’re gone?

Peter breaks down how you can:

• Name a successor Subscriber
• What they need to do to take over, and
• Whether your personal representative can step in.

Don’t miss this episode – it’s all about protecting your RESP and planning ahead for your kids’ future.

On this week’s CTV Morning Live, Peter breaks down troubling stats from a recent CIRO survey:

• 1 in 4 bank reps admit to recommending products not in clients’ best interests
• 40% say scorecards influence what they recommend
• 33% say clients are given incorrect product info
• 25% couldn’t explain what an MER (Management Expense Ratio) is

Regulators point to sales targets and incentives as key issues. It’s time to stop buying products—and start buying a plan. Tune in and get informed.

A recent report says you do, but is it true? Tune into Peter this week on CTV Morning Live as he breaks down fear vs fact.

Take this real couple:

• Retired at 65 and 63
• $610,000 in investments
• Total monthly income: $8,050
• Only need $5,000/month to live well

They have more than enough, and they’re not touching their principal. Don’t buy into the hype pushed by banks and mutual fund sales reps. Make smarter, clearer financial decisions.

Want to impress your friends with your investment knowledge and financial savvy?

This week on CTV Morning Live, Peter breaks down the key differences between market volatility and real estate volatility, including:

• What’s the difference between your daily portfolio value and your RRSP value?
• When should the value of either become a concern?
• If your house is part of your retirement plan, how should you value it?

Tune in to learn how to make the most of your money.

Peter joins CTV Morning Live this week to break down the pros and cons of big versus small portfolio management firms. He’ll explain why boutique firms often have access to “low-hanging fruit” investments the big players might overlook. Learn what questions to ask, how to find the right financial guidance and get practical tips to keep your money working for you. Tune in!

Peter Cishecki is sharing his expertise this week on CTV Morning Live (Vancouver). The topic? RRSP carry forward.

Here’s the key takeaway: Don’t use all your RRSP deductions if it pushes you into too low a tax bracket. Sometimes, it’s smarter to re-file and repay a portion of your refund.

Below is a real example to help explain:

• I overcontributed to my RRSP before filing, just to be safe. After tax season, and a review of my projected 2025 income, my accountant re-filed my 2024 return. She had applied too many RRSP deductions, which dropped me into a lower tax bracket than ideal.
• Re-filing let me repay part of the refund and carry forward some of those deductions to 2025, when they’ll save me more in taxes.

Bonus: I won’t need to save as much this time around. Here’s the truth: the real money you make on RRSPs isn’t just about your rate of return—it’s about tax strategy.

Make the most of your contributions. Tune in for the insights you need.

Just because you’re approved doesn’t mean it’s the right move. This week on CTV Morning Live Vancouver, Peter breaks down:

• How mortgage approvals really work
• How your car loan impacts future approvals
• What to consider before saying yes to any loan

Get the answers you need—don’t miss it!