Newsroom

Check out our latest videos to learn our tips and insights into financial strategies and solutions. Our videos cover a wide variety of financial topics ranging from financial planning, investing & wealth management, mortgages and much more. Subscribe to our YouTube channel for weekly financial advice!

State of the Canadian Economy in 2023

It may be a new year but high prices aren't going away, affordability continues to be a challenge in 2023!

Financial Resolutions for 2023

The last year has been a turbulent one for the market, which means its even more important to stay on top of your financial decisions! ...

Accident insurance explained

Snow is falling on the mountain and people are hitting the slopes having a great time but what happens to your income if you get ...

TOY MOUNTAIN 2023

Toy Mountain is a great chance to give back to local communities around the holiday season! We are so happy to be given the opportunity ...

Giving back this holiday season

After getting some good deals on Black Friday and Cyber Monday many people are looking to give back this week, but you may not realise ...

TFSA contribution limit increase for Canadians in 2023

Th Federal Government has announced it is boosting the contribution limit for TFSA in 2023.The limit will be expanded to $6500 in the new year and ...

Should Canadians pay off their mortgage or Invest

Many Canadians are buckling under the weight of inflation and thinking of ways to maximise the savings they have set aside over the years. One ...

Managing your money when interest rates rise

Mortgage rates in Canada increased another 50 basis points recently, the 6th hike this year. The latest rise marks yet another step back for could be ...

Saving money on insurance during Inflation

The cost for just about everything, from gas to food to energy, has jumped significantly causing many Canadians sleepless nights.

How interest rates are impacting mortgage rates in Canada

The bank of Canada has been on an interest rate hiking spree for months and today the bank announced its increasing its key interest rate ...

How is rising Inflation affecting the Elderly in Canada

Cost of living has been increasing for Canadians, and many vulnerable populations are suffering from the impacts. One of those groups is elderly people. How ...

Rising interest rates in Canada

Intertest rates in Canada have been climbing and many people are feeling the pinch. What do those interest rates actually mean and what tips can ...

Should Canadian retirees delay retirement with the current market dips?

If your nearing retirement or currently retired your likely watching the markets closely, with the current dips in the market. What sort of impact will ...

The impact of Inflation on Canadians

Inflation has caused the price of many essential goods to rise, which is forcing many Canadians to look hard at their spending to figure out ...

Common Misconception about RRSPs in Canada

RRSPS are an option to add to your financial portfolio to give your investments an extra boost, but there is a lot of misconceptions about ...

Slow housing market for Vancouver- Home sales down 40%

The housing market has been going through a slow summer season in metro Vancouver with home sales dropping 40% in August compared to last year, but ...

Is Canada headed for a recession?

With inflation on the rise and Central banks poise to increase rates, there is one major question Canadians are asking about our economy- Will there ...

Budgeting with Inflation-Making the most of your finances!

As prices rise on just about everything, most people are paying very close attention to their budgets and where their money is going?

The new RRSP season!

Usually February is the month for RRSPs as Canadians try to make their contributions before the deadline, but you may want to consider contributing early ...

Should you collect your Canada Pension Plan (CPP) early?

We spend our whole working lives paying into the Canada Pensions Plan (CPP) to replace part our income when we retire but is it worth ...

Do you really need life insurance?

Life insurance can help protect the financial security of your family in a worse case scenario. Do you really need it?

The future of mortgage rates in Canada- should home buyers lock in?

With interest rates on the rise, we have been seeing an impact on the real estate market, but how long will this last? People are ...

Inflation forcing some to find extra work

As inflation pushes up the cost of almost everything, many people are having a hard time balancing there household budgets and for some that means ...

Bank of Canada raises interest rates- Rearview Mirror Investing

Its hard to predict what will happen with the economy in the future, but that doesn't always mean you should rely on past results

Where to focus your finances?

With inflation the highest its been in decades, Canadians are watching their finances more than ever, but between paying down debt and saving for retirement ...

Housing Market slow down in BC

Rising mortgage rates have lead to dampening home sales in BC, but how does the trend of declining sales in a still volatile market affect ...

Survey finds more Canadians are delaying retirement

When it comes to retirement do you think you have a solid financial plan? a new survey has found that a growing number of Canadians ...

The impact of rising interest rates on homeowners

Rising interest rates are pushing Canadian home owners to the edge, with the cost of a mortgage on the rise many people are increasingly concerned ...

CERB- its time to pay it back!

In 2020 the government launched the Canada emergency response benefit (CERB) aimed at helping people who lost their jobs due to the pandemic, two years later ...

Inflation and its impact on your investments

From gas to groceries inflation is having a big impact on many family budgets but what impact does it have on your investments?

Buying Vs Leasing a Vehicle

With car prices increasing along with demand, leasing a vehicle has become a popular alternative to buying, but with interest rates on the rise what ...

How to gain from capital losses

As the stock markets drop, hopes of gaining capital aren't high for many, Peter offers options to regain our hopes!

Investing Anxiety-Stock Market volitilty

What goes up, must come down, If your watching your investments and feeling anxious about a rocky week. Peter explains the turn in the stock ...

Property tax deferral options

If your a homeowner, you'll be receiving your property tax bill in the mail soon. With the window approaching to pay up, should you consider ...

Tax tips for the 2022 Tax deadline-April 30

10 days away from most tax deadlines, we offer some tax tips!

Impact of the 2022 Budget on Tax filing season

Tax filing season is underway but what impact does the latest federal budget have on your wallet and your taxes?

2022 Tax time red flags to watch for!

Tax filing season is underway we discuss some of the does and don'ts when it comes to income taxes

RRSP-What to know before investing!

With the deadline to purchase an RRSP for the 2021 Tax year already passing earlier this month, there are still benefits to taking out a loan ...

Reassessing your portfolio. Russian investing –Who are your investments supporting?

A month into the Russian invasion of Ukraine we are seeing governments and global entities pledge to divest their Russian investment as a way to ...

Maintaining perspective in a volatile stock market

The global fall out from Russia's invasion of Ukraine has shocked the world, ongoing tension and imposed sanctions have impacted everyday commodities and thrown the ...

Inflation! Canadian consumers hit by rising Food Prices in 2022

The average family will spend $2000 more in groceries this year as Inflation starts to take it toll

Pay Off Mortgage or Invest Extra Cash?

For most homeowners mortgage payments are a constant, although the thought of paying off your mortgage might be enticing, it may not be the best ...

RRSP season Myths! Deadline March 1st!

"Contribute to RRSP's even if you don't have cash" Is this true?

Rear View Mirror Investing

Basing investments on former trends might not be the best strategy! When making financial decisions for the future many people look to the past, we ...

Inflation hits a 30 year high

The economic impact of inflation in Canada hitting a 30-year high - What does it mean for you?

What to consider when making a career change

Things to consider when making a career change

Choosing a financial advisor

Helpful tips on finding the right financial advisor!

TFSA contribution limit expansion 2022

New Contribution Limits for 2022 TFSA -What is the Lifetime Limit? -What happens if you take money out? -Is the profit ever taxable?

New Years Financial resolutions

Simple resolutions to add to your list that will improve your personal finances!

Travel insurance and Covid restrictions

Planning a trip? In this weeks show we talk about travel insurance! ▪️Does Travel Insurance cover Covid? ▪️What is a pre existing condition? ▪️Do you ...

How emotions can influence financial decisions

Don't let the Media direct your financial decisions! Recent examples: -Gas shortage -Covid toilet paper shortage -2022 housing prices

Toy Mountain

Thank you everyone that joined us in donating 119 toys! along with a cheque for $2,000!

Accidental Death Insurance

Be financially prepared if the unpredictable happens How much do I need? Do I even need it? What is the purpose?

Cashing in your TFSA's

▪️Why would you consider cashing in your TFSA’s? ▪️Does your contribution room lower? ▪️What are the tax outcomes?

Private Surgical Clinics

With lengthy surgical wait times some people look to pay out of pockets for surgeries Peter discusses benefits of this

Charitable Donations- Helping others and yourself

How can Charitable Giving Benefit your community and Benefit you at the same time? As the holidays season approaches we feel more generous to those ...

Mortgage rates 2022- Choosing between fixed or variable rates

With rates looking to rise in 2022 how do you choose between fixed and variable mortgage rates and what will that mean for you? What does ...

Maximising your retirement years

Planning for retirement or a work optional lifestyle!

Reaching your financial goals

What to do if your current savings isn't enough to reach your desired goal? Strategies for reaching your financial goals

Impact of Fees on your investments

DSC Fees, RRIF, What are they? How does this affect you withdrawing money? How can you prevent this from happening to you? What can you ...

Housing Market Decisions

Buying property with family? Thinking about an Investment property? Learn how your RRSP contribution can offset capital gains

Refinance & Foreclosure-How does it work?

With the increase in home prices, people think it should be easier to get financing because of all the equity they have How does Refinance ...

Emergency Funds

Do you have money set aside to cover any unplanned expenses? An emergency fund is important to have available for a rainy day- three months ...

Federal Election Campaigns- Liberal Party Platform

Canadian federal election- A break down of the Liberal party's campaign in the election and how it will affect you and your family!

Federal election Campaigns- Conservative Party Platform

Canadian federal election- A break down of the Conservative party's campaign

Federal Election Campaigns- Green Party Platform

Canadian federal election- A break down of the Green party's campaign

Federal Election Campaigns- NDP Platform

Canadian federal election- A break down of the NDP party's campaign

CERB- Canada Emergency Response benefit

CERB is looking to wind down this fall, we give you some personal financial advise. Everything financial's Peter Cishecki explains how this could affect taxes ...

RESP-Registered Education savings plan

Students will be heading to Post secondary for the first time, this does not come cheap! A RESP can help with this! Here are our ...

How can companies provide Employee Benefits?

Benefits are important to employees when applying for a job! How can companies offer employee benefits? Claims adjudication company 101

What is an Estate Directory?

If there was a sudden death in your family, would you know what to do? An Estate Directory is a useful guide that lists who ...

Capital Gains: What You Need to Know

Capital gains are great to earn, and even better to keep. What can you advisor be doing to help you keep more of your money ...

Tips for Maximizing your Pension

Pension options can be confusing, with so many possibilities how do you know which choice is best for you? In this weeks segment, Peter Cishecki ...

Investment and Financing Myths: BUSTED!

Are your current beliefs around your finances helping or hurting you? In this segment, Peter Cishecki busts some common financial myths surrounding bi-weekly mortgage payments, ...

Do You Have Enough Money to Retire?

If you're struggling to calculate how much money you will need in retirement, take a good look at your current cash flow. How much are ...

Mortgage Insurance vs. Personal Life Insurance

It's important to ensure your loved ones are protected in case something happens to you while you're paying off your mortgage. The question is, should ...

Keeping Emotion out of Financial Decisions

How do you keep your emotions at bay while making huge life decisions, such as purchasing a new home, going through a divorce or choosing ...

Tips for Paying off Credit Card Debt

Many Canadians have found themselves with mounting credit card debt after going through financial hardships due to the global pandemic. What's the best way to ...

Mortgage Rates: What You Should Know

With mortgage rates at a record low, many Canadians are concerned about a sudden rate increase. Peter's advice? Don't panic. Before locking-in your mortgage at ...

Employee Buyouts During the Pandemic

Have you been offered a pension buyout? If so, asking for the commuted value of your pension is likely your best option- this will provide ...

Getting into the BC Housing Market

With housing prices in March being the highest ever recorded, have you started to experience FOMO? In this weeks episode, Peter Cishecki provides advice to ...

Questions You Should Ask Before Investing in RRSP's

Do you feel confident in how you're investing for your retirement? This week, Peter Cishecki advises on what questions you should be asking before you ...

The 2020 Tax Deadline is Approaching

April 30th is the deadline to file your taxes for 2020, and there will not be any extensions- so what are you waiting for? In this ...

Tips for Taking Ownership of Your Money

Spring is just around the corner, and what better time than now to clean up your finances? A great first step is reviewing your Will ...

Making your Mortgage Tax Deductible

Did you know that the CRA will allow you to deduct the interest on your mortgage? There are steps you must follow, such as the 31 ...

RRSP Contribution Strategies

Planning on making a last minute RRSP contribution for the 2020 tax year? How much do you need to contribute to reach your goals? In this ...

Critical Illness Insurance: What You Should Know

Critical Illness (CI) insurance provides a lump-sum, tax-free benefit in the event your are diagnosed with a serious illness. The question is; how much coverage ...

Managing Your Investments in Retirement

So you've made it to retirement- how do you make your money last? In this weeks segment, Peter Cishecki explains the various investment options available ...

Top Financial Resolutions for 2021

Tired of feeling uncertain in your financial situation? A proper financial plan will provide you with purpose and direction, and take away the stress associated ...

Financial Trends to Expect in 2021

Should you renew your mortgage to lock in at a low rate? Lending rates are predicted to stay unchanged for the next few years, so ...

Why Do You Need Life Insurance?

The fact is, life goes on after we pass away- funeral costs, debt repayment and monthly bills are only some of the expenses that continue ...

BC Recovery Benefit: What You Should Know

Have you heard of the BC Recovery Benefit? Starting Friday, eligible BC residents can apply for the new benefit, and may receive up to $500 depending ...

Toy Mountain Goes Virtual for 2020

Once again, CTV's Toy Mountain and the Salvation Army have teamed up to help children and families in our communities. Peter Cishecki challenged our team ...

Things to Consider when Purchasing a Rental Property

Are you considering purchasing a rental property? Real estate can be a great way to diversify your investment portfolio; and with low mortgage rates available, ...

Planning for Unexpected Expenses in Retirement

On your own or in a partnership, do you feel you're financially prepared for retirement? Overlooked expenses could potentially empty your savings and derail your ...

Common Tax Myths: Busted!

Have you been told that depositing more to your RRSP's will give you a larger refund? Truth is, you've been misinformed. In this video, Peter ...

Are You House Rich and Cash Flow Poor?

Or do you know anyone who is? If you have a lot of equity in your home but are having trouble making ends meet, don't ...

How to Prepare your Finances for a Second Wave

We've been told to prepare for a second wave, but what does that look like when it comes to your personal finances? In this segment ...

Tips for Managing Your Mortgage

Are you looking to get into the housing market, but unsure if you'll qualify for a mortgage? In this video, Peter Cishecki discusses the importance ...

What Should You Do with Your Tax Refund?

So you received a large tax refund, what should you do with it? If you have any high-interest debt, pay that down first. Alternatively, you ...

The Importance of Critical Illness Insurance

Have you heard of Critical Illness insurance? This type of insurance offers a lump-sum, tax-free payment for covered illnesses; allowing you the freedom to utilize ...

Tips for Managing Student Debt

Are you financially prepared to head back to school this Fall? Creating a budget can help provide peace of mind as well as keep your ...

How to Save Money on Health Benefits

Are you a business owner providing health benefits for your employees? There is a benefit program available that could save your staff 15% off prescriptions at ...

New COVID-19 Relief Benefit for Seniors

Canadians have been asking: What about our seniors? The federal government has recently come out with a one-time payment for eligible seniors, to help with ...

Tips on Saving for Post-Secondary Education

So you're helping your child save for post-secondary school; does it matter if you invest in an RESP or a TFSA? What happens if your ...

Understanding your Obligations as an Executor

Have you been asked to be an executor, or co-executor, of an estate? Although it can be an honor, it is also a full-time job ...

How Canada's Deficit Could Impact Your Finances

By the end of this year, Canada is estimated to be at a $343 billion dollar deficit; so how will we pay for this? An increase ...

New CMHC Rules: What's Changing?

Are you saving towards the purchase of a new home? On July 1st, the Canadian Mortgage and Housing Corporation is tightening the rules on mortgage ...

What You Need to Know About Mutual Funds

Have you noticed your investment accounts drop in value over the last few months? Because mutual funds are not a guaranteed investment, their value fluctuates ...

Why Disability Insurance Is So Important

Have you considered what you would do if you became ill or injured and unable to work? In this weeks segment on CTV Morning Live, ...

How COVID-19 has Impacted Canada's Economy

With the closure of all non-essential businesses came a record high unemployment rate; however, there are many new job opportunities available. So⁠—where do we ...

How to Deal with Student Loan Debt

Many people incur significant financial debt throughout their post-secondary education. The question being, how can you avoid being burdened by this debt after graduation? In ...

Should You Change Your Spending Habits?

Since 2008, Canadians are at a record high in debt; and with many now experiencing job loss, financial stress is commonplace. In this weeks video, Peter ...

Retirement Planning During COVID-19

Are you looking at retirement in the near future, but unsure of where you stand financially as a result of COVID-19? In this video, Peter ...

Why Estate Planning is So Important

Do you have a Will or Power of Attorney? If so, when was the last time it was reviewed? With the current global pandemic, more ...

Mortgage Deferral Assistance: Is It Worth It?

How much will deferring your mortgage payments cost you in the long run? Although it may be unavoidable, skipping payments will inevitably increase the length ...

How the Coronavirus Impacts Your Investments

Are you worried about how the Coronavirus could impact your investments? If the answer is yes, you’re not alone. The Coronavirus, and its’ impact ...

How to Start an Emergency Budget

Have you found yourself wondering: Where is all my money going? It's always important to be mindful of your spending habits, and during these difficult ...

Impact of COVID-19 on Canadian Finances

Have you been laid off amidst the Coronavirus pandemic? If so, you may be wondering how you are going to make ends meet. In this ...

How to Utilize the Government Subsidies

Out of work and waiting for a government subsidy? If so, you aren't alone- Over 3.5 million Canadians have applied for a government benefit since March 15...

Financial Equality and Bridging the Gender Gap

On your own or in a partnership, are you as informed about your finances as you need to be? Most people aren't as financially savvy ...

How to Improve Your Credit Score

When was the last time you checked your credit score? Whether you're making a big purchase or applying for a credit card, a low credit ...

Explaining the 2020 BC Budget

Did you know that budget changes take place in British Columbia annually? The BC Budget 2020 introduced a new tax bracket for top income earners along ...

How to Maximize Your RRSP Investments

Buying RRSPs can often lower your tax bracket but when should you not buy RRSPs? In this video, Peter Cishecki discusses the importance of keeping ...

Relationships and Money

Do you and your partner agree when it comes to money? Most couples disagree about money at some point in their lives. In this video, ...

Money and Stressful Situations

Sometimes unfortunate events occur and lead to be a source of financial strain. In this video, Peter Cishecki discusses how you can prepare for unforeseen ...

When Should You Buy a RRSP?

Do you know what a RRSP is? It’s becoming more common for people to buy RRSPs but not everyone has the essential information that ...

Have more questions about your personal finances?

Our financial program will take the guess work out of investing for your future and meet your unique needs to help reach your financial goals.

Contact Us

Testimonials

I heard Peter on the Team 1040 and was hooked to his advice.  I eventually sat down for a mortgage renewal and was introduced to the Omni Formula. I have never had a retirement plan, now I have one and I can feel the financial weight lifted off my shoulders. I work less and enjoy life now . Thank you Peter, Vy Tri and Leanne for all you have done for me
Tor N
Our second year with Brian. Our first year was a major catch up! We're very happy with the service we have received and look forward to going back every year to have our taxes done!
Tricia S. Langley, BC
"I wanted to say how much I appreciate your dedicated hard work in providing me with a good solid income in making the right decisions for me to enjoy my life without worrying about my finances."     
Anne Cookson Kitchener, On
"Peter and his team have been extremely patient and have provided sound advice when helping my folks who are both retiring and needed a plan that would meet their needs in a few years time. His step by step approach helped my parents understand exactly what they need and have also reassured them that their ongoing meetings quarterly will help to ensure their investments and their retirement plan is EXACTLY what they want and need. If you want help getting your parents into the golden years - see Peter and team at Everything Financial."
Alan Maple Ridge, BC
"It is never easy to manage all the details when a loved one passes, no matter how prepared you think you are, somehow there is always unexpected. I am so grateful that the Omni Estate Program was suggested to me when I became the POA for my father and knew I would ultimately be his executor. When my father passed, it took just one email to Everything Financial Group to relieve me of all the pressure and stress. The phone call I received in response assured me that all the financial details of my father's estate would be looked after. I was provided with a list of the few things that I needed to do, and the Omni Estate Program looked after the rest. The staff of Everything Financial Group couldn't have been more helpful and supportive. They guided me through the few steps that required my involvement and worked with the Omni Estate Program to take care of the rest. From what I learned and observed through this process, I envision that the Omni Estate Program saved me many hours of stressful uncertainty with documents, issues, and agencies that are totally foreign to me. I highly recommend the Omni Estate Program as managed by Everything Financial Group."  
Barbara M Delta, BC
Peter, Christine, and Everything Financial Staff, Words cannot express how grateful we are for the generous gift that you gave Carly and Adelyn. To be included as one of the families benefiting from your generosity is an honor that we will forever cherish. You are beautiful people! People like you make such a difference in our world! You are truly inspiring! we will always remember your support and help! We look forward to participating in the Everything Financial Annual Charity Golf Tournament and giving back! With heartfelt and gratitude,  
Sandra and Darcy Malchuk Langley, BC
“The North Delta Minor Hockey Association would like to extend a warm thank-you for your generous donation of two Canucks tickets towards our raffle at the H2-4 Christmas tournament. Thank you for your support and assisting us in making our tournament a great success.”
Tracey North Delta
“My husband passed away unexpectedly and “ Peter Cishecki “ and his competent team ( Shannon and Jenny) have been unbelievable. Peter, has taken care of my financial planning needs. With Peter by my side, with guidance , planning, care and “ family” support , this very difficult time in my life has been made so much easier. I truly appreciate the support from Peter and his team at the Surrey office. Thank you Everything Financial.”
Darcee New Westminster, BC
“I have recently and unexpectedly retired long before I anticipated. This welcome situation has been orchestrated by Peter Cishecki and his competent staff. I am delighted to have time now to enjoy my new passion, golf! Thank you!”
Faye White Rock, BC
“Peter Cishecki has taken care of our family’s financial planning needs for nearly 10 years. He was referred to us by a friend and we have since referred him to other family members and friends. We have gained knowledge and net worth under his guidance and are appreciative of his continued support towards our financial goals. Thank you Peter and Everything Financial.”
Tanya Calgary, AB