Media

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!

Don’t get hooked by flashy mortgage promises. Be cautious of rates being advertised as low as 1.99%. Here are some key things to watch out for:

• This could be a classic bait-and-switch tactic
• What happens to your approval when the rate changes?
• What’s the penalty if you decide not to move forward with them?

Peter breaks it all down in this week’s session on CTV Morning Live. Tune in so you don’t get caught off guard.

It’s being sold as “no GST on homes up to $1.5M” but what does that really mean?

• How much do you save on a $1M home?
• What happens if you spend $1.5M?

Peter breaks it all down on CTV Morning Live this week. Don’t miss it—get the real story behind the headline.

Balance matters, especially in retirement. Many people near retirement have paid-off homes but little in savings. Downsizing sounds smart, but a volatile real estate market and rising rent prices can make it risky. This week on CTV Morning Live, Peter explores a smarter approach:

• Keep a low-cost mortgage into retirement
• Build your cash reserves for security and freedom
• Focus on balance, not just ownership

Get the insights you’re looking for when planning for your retirement.

Mortgage fraud, title fraud, and identity theft are on the rise, but who’s really at risk, and how can you protect yourself? Peter joined CTV Morning Live to explain:

• Who’s most vulnerable
• Who’s behind the scams
• How to stay protected

Don’t miss this essential conversation on safeguarding your future.

Ignoring estate planning won’t make it go away. This week on CTV Morning Live, Peter breaks down why it’s time to lift your head out of the sand and tackle the essentials:

• RRIF and taxes
• Rental property management
• Your will, power of attorney and representation agreement
• Advanced medical directive
• Beneficiaries—do you have the right ones in place?

A well-prepared estate means peace of mind for you and your loved ones. Tune in to find out what you need to know!

This week on CTV Morning Live, Peter breaks down whether you should keep your rental property or sell and invest the equity. Essentially, the goal is to compare rental income versus your investment potential. Whichever number is bigger—that’s your answer.

Tune in for Peter’s simple formula to make your property work for you!

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.

Retiring without insurance? You have options. On this week’s CTV Morning Live, Peter answers a real viewer’s question: “I’m uninsurable due to past health issues and retiring. I’ll lose my benefits, what can I do?”

• Some companies offer guaranteed post-retirement benefits
• No medical questions. No pre-existing condition exclusions
• Optional travel insurance with flexible lengths
• Your partner can also be covered if they were already on your plan
• You have 90 days to apply after losing employer coverage

Don’t panic, Peter’s got the answers.

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.

With the recent volatility in the stock market, what are your options if you still need income?

• Consider adjusting your income stream to draw only from fixed-income holdings. Wondering how to do that? Peter explains it.
• Another strategy: If you have a HELOC (Home Equity Line of Credit), consider using it temporarily to allow your investments time to recover.

Peter breaks it all down on this week’s CTV Morning Live. Get the insights you need to protect your money.

There’s always something stirring up chaos. That’s why we use Portfolio Managers—they navigate uncertainty, anticipate market swings and aim to outperform the noise.

A strong financial plan isn’t just about investments. It’s about:

• More than just insurance coverage

• More than just an investment strategy

• More than just a tax plan

It’s about a complete plan, built by a Fiduciary. Peter provides the insights you need this week on CTV Morning Live Vancouver.

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.