Amal Kilani - Advisor, Sun Life

09/04/2026

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

09/02/2026

See you there!

3 DAYS!! 💕✨ The Pretty & Connected Women’s Market is almost here!
Come spend your Saturday morning supporting local businesses, shopping some amazing finds, and connecting with our community. 🛍️💗
📅 Saturday, September 5
⏰ 9 AM–2 PM
📍 1110 Main St, Moncton, outside the Avenir Centre
🎟️ FREE admission
🐾 Animal friendly
☀️🌧️ Rain or shine!
Bring your friends, bring your pups, and come SUPPORT • SHOP • CONNECT 💕

3 DAYS!! 💕✨ The Pretty & Connected Women’s Market is almost here!

Come spend your Saturday morning supporting local businesses, shopping some amazing finds, and connecting with our community. 🛍️💗

📅 Saturday, September 5
⏰ 9 AM–2 PM
📍 1110 Main St, Moncton, outside the Avenir Centre
🎟️ FREE admission
🐾 Animal friendly
☀️🌧️ Rain or shine!

Bring your friends, bring your pups, and come SUPPORT • SHOP • CONNECT 💕

09/02/2026

You got a raise… but now you’re worried you’ll lose most of it to taxes? 👀

One of the biggest misunderstandings I hear is:

💬 “If I move into a higher tax bracket, my whole income will be taxed at that higher rate.”

That’s not how Canadian tax brackets work.

Your income is taxed in layers. Only the portion that falls into the higher bracket gets taxed at the higher rate.

And this matters when you’re making decisions about:

• RRSP contributions
• Bonuses and salary increases
• Investment income
• Tax planning
• How much you actually keep

The goal isn’t simply to earn more.

It’s to understand what to do with the money you’re earning.

📩 Want to understand your own situation?

Reach out, my name is Amal and I am an advisor with Sun Life: 5069626675

🇨🇦 Serving clients in New Brunswick, Nova Scotia, PEI & Ontario.

09/01/2026

As wealth grows, financial priorities often become more complex.

Are your investments, tax strategies, estate plans and protection solutions all working together toward the same goals? It may be worth reviewing how these areas fit together based on your circumstances.

What is your main financial priority right now? ⬇️ Share below:
• Growing wealth
• Protecting wealth
• Leaving a legacy
• Creating retirement income

08/28/2026

Want your money to work for your family's future? 💰

Creating a plan to help your wealth last for generations takes more than hope. It takes strategy.

A solid financial roadmap can help you:
- Protect what you've built
- Minimize taxes
- Support loved ones for years to come

Let's talk about making your legacy last. Reach out to discuss your family's financial future. https://bit.ly/3SVVJlI

08/27/2026

She sold her investment and made a $40,000 profit.

She celebrated… Until tax season arrived.

What she didn’t realize was that selling an investment can trigger a capital gain. Part of that gain may be added to her taxable income.

Then she asked:

“What if I lose money on another investment? Can I deduct that loss from my salary?”

Usually, no.

Capital losses generally offset capital gains. They may also be carried back up to three years or carried forward for future use.

This is where people make costly mistakes.

They focus only on the selling price and forget to ask:

• What is my adjusted cost base?
• What selling expenses apply?
• Do I have unused capital losses?
• Could the timing affect my taxes?
• Does an exemption apply?

The best time to ask these questions is before you sell—not after the transaction is complete.

Are you thinking about selling an investment, rental property, or business asset?

Let’s review the bigger picture before you make your decision.

📞 Amal Kilani
506-962-6675

For sample purposes only.
Source: https://bit.ly/3STtCDL

08/24/2026

Est-ce que je devrais rembourser mes dettes d’abord… ou commencer à investir? 🤔

Ma réponse?

Ça dépend.

Parce que toutes les dettes ne se ressemblent pas, et vos objectifs financiers non plus.

Avant de décider, il faut regarder :

* Quel est le taux d’intérêt de votre dette?
* S’agit-il d’une carte de crédit, d’une marge de crédit, d’un prêt automobile ou d’une hypothèque?
* Avez-vous un fonds d’urgence?
* Quelle est votre capacité d’épargne chaque mois?
* Quels sont vos objectifs dans 1, 5 ou 10 ans?

Une personne qui paie 20 % ou plus sur une carte de crédit n’est pas dans la même situation qu’une personne avec une hypothèque à 4 %.

Et parfois, la meilleure réponse n’est pas rembourser OU investir.

Ça peut être faire les deux, avec une stratégie adaptée à votre situation.

Les finances personnelles sont… personnelles.

Avant de mettre automatiquement chaque dollar supplémentaire sur vos dettes, ou d’investir pendant qu’une dette coûteuse continue de s’accumuler, faites les calculs.

Vous vous demandez quelle stratégie serait la plus adaptée à votre situation?

08/23/2026

Should I pay off my debt first… or start investing? 🤔

My answer?

It depends.

Because not all debt is the same and neither are your financial goals.

Before deciding, I would look at:

* What interest rate are you paying on the debt?
* Is it a credit card, line of credit, car loan, or mortgage?
* Do you have an emergency fund?
* Are you missing an employer match or other investment opportunity?
* How stable is your monthly cash flow?
* What are you actually trying to accomplish in the next 1, 5, or 10 years?

Someone carrying a credit card at 20%+ is in a very different position from someone with a mortgage at 4%.

And sometimes the best answer isn’t debt OR investing.

It can be both, with the right percentages going toward each.

Personal finance is personal.

Before automatically throwing every extra dollar at your debt (or investing while expensive debt keeps growing) run the numbers.

08/22/2026

If you’re self-employed, between roles, or don’t have workplace benefits, gaps in coverage can leave you exposed. Personal health insurance and critical illness coverage can help bridge those gaps and protect your finances if the unexpected happens. Let’s talk about a strategy that’s right for you.

08/21/2026

You worked hard to build your wealth. But have you thought about what happens to that wealth next?

For business owners and families who have accumulated significant assets, there comes a point when an important question needs to be asked:

How do you protect, manage and eventually transfer what you’ve built?

This is where a family trust may come into the conversation.

A family trust is a legal structure that can hold certain assets for the benefit of selected beneficiaries; often children, grandchildren or other family members.

Depending on the circumstances and how it is structured, a family trust may be used to:

• Hold shares of a private corporation
• Help with business succession
• Transfer wealth to the next generation
• Manage assets for children or other beneficiaries
• Provide a degree of protection from certain creditor risks
• Create potential tax opportunities under Canadian tax rules

But here’s something important:

A family trust is not automatically a tax-saving strategy.

The rules surrounding trusts, taxation, income splitting and the Lifetime Capital Gains Exemption can be complex.

Before asking:

“Should I have a family trust?”

Ask yourself:

“What am I trying to accomplish with the wealth I’m building?”

Maybe you own a corporation that you hope to sell one day.

Maybe you want your children to eventually benefit from the business you’ve built.

Maybe your assets have grown significantly and you’re wondering whether your current structure still makes sense.

Or maybe you’ve heard other business owners talking about family trusts and you’re wondering:

“Could this apply to me too?”

You don’t need to have all the answers.

You just need to start asking the right questions.

📩 Curious to learn more? Reach out to me directly.

📞 506-962-6675

Let’s start the conversation.