SHIJA KAVIL

SHIJA KAVIL Licensed Financial Professional

https://cal.com/shija

09/02/2026

Hard Truths to Face Before Retirement

09/01/2026

Navigating the 6 Stages of Retirement
Let’s connect and talk about the latest insights in the industry!

08/31/2026

Canada TFSA Gap Can Still Close

Gen Z Prioritizes Enjoyable Experiences, JPM Study FindsIt’s interesting to see that nearly half of Gen Z are putting va...
08/30/2026

Gen Z Prioritizes Enjoyable Experiences, JPM Study Finds
It’s interesting to see that nearly half of Gen Z are putting vacation savings ahead of planning for retirement, according to a recent JPM study. Debt and rising costs make it tough for many to set money aside—and one in four people have even dipped into retirement accounts or taken loans just to manage unexpected expenses. As someone who helps clients prepare for uncertainty, I know firsthand how important it is to build financial strategies that protect your future, not just your next getaway.
https://www.roomvu.com/agent-news/shija-agustin-1/1821673-Gen-Z-Prioritizes-Enjoyable-Experiences%2C-JPM-Study-Finds

Can Life Insurance Premiums Really Replace Fixed Income in Portfolios?When planning for life's uncertainties, it's worth...
08/28/2026

Can Life Insurance Premiums Really Replace Fixed Income in Portfolios?
When planning for life's uncertainties, it's worth considering how life insurance can play a role beyond basic coverage. While low-premium term life is a cost-effective way to secure protection for a set period, permanent life insurance goes a step further. With higher premiums, these policies offer lifelong coverage and build cash value that can act as a tax-advantaged, low-volatility asset within your portfolio. This approach can help reduce overall risk and support your long-term financial planning. As someone who helps clients prepare for whatever the future may hold, I see the value of integrating these strategies to strengthen your financial foundation.
https://www.roomvu.com/agent-news/shija-agustin-1/1712919-Can-Life-Insurance-Premiums-Really-Replace-Fixed-Income-in-P

08/27/2026

Canada Investors: Verify New Fund Access
As someone who helps Canadians prepare for the unexpected, I always keep an eye on new opportunities and the risks that come with them. Recently, there’s been a lot of talk about a national investment fund, but federal officials have made it clear: it isn’t open for public investing just yet. Be extra cautious—right now, you might see fake promotions pop up through video ads, QR codes, cold calls, or third-party offers promising early access. The safest approach? Don’t share your personal or financial details through ads or unfamiliar links. If something seems off, it’s best to report it to the proper authorities. The government’s plan involves $25B over three years, aiming for a broad, simple, and capital-protected experience for Canadians in the future. More participation details should arrive soon as the rollout develops. Until then, staying vigilant is your best protection against uncertainty.

08/26/2026

Can You Retire on $500K?
The question of whether you can retire on $500K comes up often. While many Canadians imagine a comfortable retirement means having around $1.7M, the reality is that those aged 55 to 64 typically hold just under $400K in liquid assets such as pensions and investments. This gap shows how retirement dreams and actual savings don’t always align. As someone who helps clients prepare for life's uncertainties, I know how important realistic planning is. For most, living on $500K in retirement is possible, but it means keeping spending modest and making sure income flows from more than just portfolio withdrawals. Long-term planning really matters—healthcare costs, aging at home, and inflation can all affect your finances, especially if retirement lasts longer than you expect. My approach: focus on funding your needs first, then your wants, and always keep a buffer for the surprises that can come your way.

08/25/2026

5 Common Money Tips Young Adults Often Hear (and What to Consider)
Let’s connect and talk about the latest insights in the industry!

08/24/2026

Canada TFSA Red Flags to Avoid

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