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This week on CTV Your Morning Vancouver, Hayley Mann breaks down your options when it comes to taxes. Learn more about tax refunds vs. taxes owing, common misconceptions and the scenarios that can lead to either outcome.

So, what’s actually better? The answer might surprise you. Tune in to find out.

Why do capital gains get such a bad reputation? Hayley Mann breaks down what you need to know, from tax implications to the pros and cons of taking those profits. Learn what adjusted cost base is and why it matters, plus how to plan deductions year to year to keep taxes manageable. With today’s lower inclusion rate, timing can make a big difference. The right strategy depends on your situation, but smart planning can help you make the most of your gains.

This week, Hayley Mann joins CTV Your Morning Vancouver to break down what a Registered Retirement Income Fund (RRIF) is and how to use it effectively. While many wait until age 71 to withdraw, starting earlier may help reduce taxes and improve estate planning.

Tune in to learn how to make the most of your retirement savings.

You may not be able to take advantage of this program the way you could before. Trevor Parkhouse explains what’s changed and what it could mean for you.

The biggest impact? The cost of deferring your property taxes will likely be much higher than in the past, as the new rules bring interest rates more in line with traditional lending rates. These new rates apply to property taxes deferred starting in 2026 and onward.

So, is deferring still worth it? In many cases, it may no longer be the most efficient option. Tune in to learn what this means for homeowners and whether this strategy still makes sense for you.

Hayley joins CTV Your Morning Vancouver to talk RRSPs and smart retirement planning. An RRSP isn’t a one-size-fits-all solution — whether you should contribute depends on your income, financial goals and overall plan. While RRSPs can help lower your taxable income (and potentially your tax bracket), it’s important not to overcontribute without understanding the long-term impact.

Tune in to learn more, and before making any decisions, speak with a registered financial planner to determine what’s right for your situation.

In this final session of 2025, Peter looks ahead and shares your essential 2026 financial to-do list on CTV Morning Live Vancouver.

Here are a few key takeaways:

• Review or update your will if it hasn’t been done in the last five years.
• Think twice before contributing to an RRSP if your income is under $50,000 — you may be in the lowest tax bracket.
• Over 80% of Canadians don’t have a real financial plan. How much money you have (or don’t have) has nothing to do with getting one. Find a Registered Financial Planner and make 2026 the year you get a plan in place.
• Explore strategies to make part of your mortgage tax-deductible and start building passive tax savings.

Tune in for practical insights to help you start the year with clarity and confidence.

This week, we’re breaking down how to get the most out of your Tax-Free Savings Accounts:

• Emergency Fund – tax-free interest, easy access
• Short-Term Goals – vacations or home projects
• Retirement Growth – long-term investing

Simple strategy. Maximum benefit.

A recent Fraser Institute study (July 2025) found that the top 40% of income earners — families making over $169,000 annually — pay 84% of all taxes in Canada. Is this you? Learn how to legally reduce your tax bill with smart strategies like incorporating, using trusts and tax-efficient investing. Peter breaks it all down on CTV Morning Live Vancouver.

Yesterday was the deadline for most Canadians to file your taxes. Still haven’t done it? Don’t stress—Peter’s got you covered on CTV Morning Live. Here’s what he’s tackling this week:

• Do you get a penalty if you don’t file on time?
• What if you’re self-employed and owe taxes?
• Own a corporation? What are your filing responsibilities?

Avoid last-minute mistakes—get the right info and make smarter financial moves.

It’s tax crunch time, and Peter’s back on CTV Morning Live with some helpful tips:

• Use a tax checklist to make sure you don’t miss anything.
• Common items people forget: medical receipts and charitable donations
• Working from home? You may qualify for home office deductions based on square footage.

Keep more money in your pocket—tune in and file smart.

This week on CTV Morning Live, Peter tackles key tax questions:

• How do investments impact your return?
• What medical expenses can you claim?
• Which receipts rely on the honour system?
• Do you have to use your RRSP receipts?

Get the answers you need for the best return this tax season. Don’t miss it.

The RRSP contribution deadline is fast approaching – Monday, March 3, less than three weeks away. Before you rush to contribute, there are some key factors to consider. Peter joins CTV Morning Live to break it all down. Tune in for the answers you need.