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.
Trevor Parkhouse joins CTV Your Morning Vancouver to chat about tax-free savings accounts (TFSAs) and how they offer flexibility when managing your money.
There’s no limit to how many TFSAs you can have, but there is a yearly contribution limit. It’s important to keep track — over-contributing can lead to penalties. Your contribution room resets every January, and you can check your limits anytime through your CRA account. You can withdraw funds whenever you want, and any growth stays completely tax-free. Tune in to learn more.
This week on CTV Your Morning Vancouver, we’re talking pensions. Hayley Mann walks through the key questions to consider and how to get the most out of your retirement plan. Tune in for everything you need to know — from types of pensions and withdrawal options to transferring funds and tax implications. Make the most of your pension and head into retirement with confidence.
We all want the most from our investments, but Trevor Parkhouse joins CTV Your Morning Vancouver to explain why using multiple advisors can create challenges. Even with good advice, a lack of coordination can lead to issues, like overcontributing to your TFSA.
Having multiple investments isn’t the problem, making sure they work together is key.
Bonus: What to do with your tax return? Pay down debt first. If you’re debt-free, consider investing.
Tune in for smart financial advice.
Are you putting off your estate planning because it feels uncomfortable? Take the stress and mystery out of the process. Hayley Mann joins CTV Your Morning Vancouver to share a fresh perspective on planning ahead and preparing for your loved ones in the best way possible.
Depending on your situation, it’s important to ensure everything is organized and that you have a plan in place. Naming beneficiaries on your accounts is key, and having a will, power of attorney, and representation agreements are all important considerations.
Tune in to learn more.
What’s the difference between paper wealth and liquidity? Trevor Parkhouse breaks it down.
Paper wealth includes assets like home equity, RRSPs and GICs but that doesn’t always mean you have accessible cash when you need it. The key takeaway? Diversification matters. Options like a home equity line of credit or a tax-free savings account can help improve liquidity and give you more financial flexibility.
Tune in to learn how to create more breathing room in your finances.
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.
Hayley Mann joins CTV Your Morning Vancouver this week to break down the new GST rebate for first-time buyers on newly built or substantially renovated homes.
Eligible buyers could receive up to 100% of the 5% GST rebate on homes under $1M, with the rebate decreasing as purchase prices rise.
Tune in for the details and expert advice.
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.
Don’t buy insurance out of fear. Trevor Parkhouse joins CTV Your Morning Vancouver to share practical advice on protecting your income and planning ahead.
From disability insurance, which can be just as important as life insurance, to understanding critical illness coverage and the gaps in workplace benefits, Trevor explains what you need to know to make informed decisions.
Listen in for clear, valuable financial insight.
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.
It’s currently a buyer’s market and you may be a tempted to jump in now and upgrade your home later.
Peter joins CTV Your Morning Vancouver to talk about the costs of buying, selling and moving, and explains why continuing to rent while focusing on saving and investing may work better for you in the long run.
Peter joins CTV Your Morning Vancouver to break down deferred sales charges — investment fees that can lock you in and cost more over time. Learn why asking the right questions matters, especially in retirement, and how flexibility in fees and products can make a big difference.
This week on CTV Your Morning Vancouver, Peter breaks it down. Borrowing to invest can make sense for higher-income earners, but it’s a tax saving strategy, not a wealth-building shortcut. It’s not for everyone, and borrowed money shouldn’t be mixed with investments. There’s a lot to think about, so tune in to make smarter financial decisions.
It’s a common question, and the right answer isn’t the same for everyone.
The decision depends on:
• Interest rates and expected investment returns
• Your cash flow and risk tolerance
• Short and long-term financial goals
Peter explains how to weigh your options and decide which approach makes the most sense for your situation.
Peter joins Jas Jahal live on 980 CKNW every Tuesday at 3:45 pm PST to discuss current topics and events and how they affect your wealth management journey.
