Trimper DeGrass Financial Services Inc.

07/28/2026

A TFSA is more than just a savings account!

Watch this short video that breaks down TFSAs in easy terms. Discover:
- How it can help you save for various goals
- The tax advantages it offers

Let's discuss how a TFSA could fit into your financial picture!
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Transcript: What is a TFSA? Simply put, a tax-free savings account, or TFSA, is a type of savings account to help save for any need. How does a TFSA work? A TFSA doesn’t have to be a savings account at a bank. A TFSA can contain a variety of investments like: bonds, stocks, mutual funds, and exchange-traded funds. Money, or contributions, that you put into a TFSA, are made with after-tax dollars. This means you’ve already paid income tax, and won’t need to pay again when you make withdrawals in the future. Plus, you won’t pay tax on any investment growth in your TFSA. Whether you’re saving for a dream vacation, your first home, or your retirement, a TFSA can help. What is your TFSA contribution limit? A contribution limit is the maximum amount you can add to your TFSA each year. The annual TFSA contribution limit changes from year to year. The federal government determines these limits. You’re entitled to the lifetime contributions for every year after you turn 18 and are a Canadian resident. For example, let’s say you don’t have a TFSA and were 18 in 2009, when the government introduced the TFSA. In this case, if you were a Canadian resident throughout that entire time, you’d have full contribution room available. But if you became a Canadian resident in 2015, you’d start gaining contribution room then. The best way to find out how much you can contribute to your TFSA is through the Canada Revenue Agency. Whenever you need it, a TFSA is a smart way to save, and see your savings grow – tax-free. Find more tips and tools at sunlife.ca.

Find out how a TFSA is a smart way to save and see your savings gro...

07/21/2026

Did you know permanent life insurance can help you protect the people you love?

Watch this short video to see how permanent life insurance works.

For informational purposes only.
Looking for personalized advice? Let’s chat! https://bit.ly/3T8WTdu

Transcript: What is permanent life insurance? Simply put, all life insurance is designed to provide your loved ones with financial security when you die. One of the most common types of life insurance is called permanent life insurance. It’s called “permanent,” because it covers you for as long as you live. How does permanent life insurance work? It provides coverage for your entire life. With most permanent plans, your premiums (monthly or annual payments) remain the same, regardless of any changes to your health as you age. And, your beneficiaries will get a tax-free death benefit after you die. The death benefit refers to the amount of money your beneficiaries get when you die. You can name your family or anyone you want as your beneficiaries. Beneficiaries are the people or person you want to financially protect. The exact amount of money they get after you die depends on: how much life insurance coverage you buy, and the type of policy you have. They can then use that money as they wish. For example, they can use it to cover the cost of: debts, mortgage or rent, child care, tuition, living essentials, and more. Most permanent insurance policies also include a feature called cash value. Cash value is a savings component that can grow over time. You can borrow against it or use it as collateral for a loan. You may also withdraw your cash value, but this may reduce your policy’s death benefit. There can also be tax consequences to accessing your policy cash value. What’s the advantage of permanent life insurance? As you age, or if your health deteriorates, purchasing a new insurance plan becomes much more costly. But with most permanent insurance, the premium stays the same for the life of your policy. Plus, when you buy a permanent life insurance policy, the benefit is guaranteed for the rest of your life. Permanent life insurance can provide you with the security of knowing your loved ones will have lasting, stable protection. It can offer peace of mind early, leaving you free to enjoy your life now. For more tips and tools, visit sunlife.ca.

07/14/2026

Life doesn’t follow a straight line — and neither should your financial plan.

Career changes. Caregiving. Health events. Major life milestones. These transitions aren’t exceptions — for many women, they’re the norm, and they can have a real impact on long-term financial security.

Recent research shows:
• Many women experience significant life changes within just a few years
• They’re 2x more likely to delay retirement than accelerate it
• And traditional financial plans don’t always account for these realities

The takeaway? Financial plans need to be flexible, not fixed. They should evolve with you — through every stage of life.

If you or someone you know is navigating change, it may be a good time to revisit your plan and make sure it still supports your goals.

👉 Learn more: https://bit.ly/4544Zqi

📩 If you'd like to talk through your options, I’m here to help.

07/07/2026

Your mortgage is likely one of your biggest financial commitments. What happens to it if something unexpected occurs? Mortgage protection solutions can help support your family’s ability to keep your home secure, no matter what life brings. Let's review your coverage for peace of mind. Reach out to discuss your options today. https://bit.ly/4f3HAtE

05/27/2026

Looking for lifelong protection, lasting value and financial flexibility? Permanent life insurance offers guaranteed lifetime coverage plus potential for cash value growth over time. Let's chat about options that fit into your long-term financial strategy. https://bit.ly/4uCRmK7

05/18/2026

This long weekend is a perfect time to gather with loved ones, enjoy the great outdoors and appreciate the opportunities we cherish in Canada.

Happy long weekend!

05/13/2026

Don’t get caught with unexpected medical costs or lost income from a life-altering illness. Sun CII's got you covered. Get a lump sum payment to use however you need if you’re faced with a covered illness. Now with limited-time savings on your first year of premiums. Offer ends July 31.

Want info or quotes? email [email protected] or call 902-445-4441

04/30/2026

Sometimes it helps to have a conversation. I work with my clients to help them navigate through uncertain times and plan for the future. Want to chat? [email protected]

Rising costs of everyday expenses. Gas prices getting higher. Market changes. There’s a lot happening in Canada and our world right now.

Approximately 1 in 5 Canadians are feeling uncertain about their financial future*. It might feel familiar but know you’re not alone in this. That’s exactly why we’re here to help.

We want you to know that we hear you and we’re here to help. For 160 years, Sun Life has been there through uncertainty. Small steps, a solid plan, and the right support can help make all the difference.

Read about the full study and what we can do, together, to get through this: https://ow.ly/KbWw50YSrGH

*Source: Sun Life commissioned study, April 2026. Base: n=1,921, Canadians 18+

04/28/2026

Don't leave the future of your finances to chance. Planning for income in retirement can help you:
• minimize taxes
• maximize your retirement income
• ensure your savings last

Let's connect to create a personalized strategy for you. Together, we'll take a look at all your income sources and create a roadmap to help you live out your retirement dreams. Start planning for income in retirement and unlock a lifetime of financial peace of mind. Get in touch today.

04/22/2026

Dr. Marius Barnard was credited with the invention of Critical Illness Insurance.

Dr. Barnard was a heart surgeon who was part of the team that performed the first human-to-human heart transplant in South Africa in 1967.

Although he helped many patients make a full recovery from their illnesses, he also saw their financial difficulty in the years to follow.

“You need critical illness insurance not because you are going to die, but because you are going to survive” Dr. Marius Barnard.