Rita Montminy - Independent Financial Professional

10/30/2026

Excited to be hosting two live virtual Life Insurance 101 webinars next week! If you've been too nervous or unsure about booking a 1 on 1 this is the perfect chance to come, get some basic info and learn about this important part of a financial plan.

I'll cover how much coverage your family might need, whether your workplace benefits are enough, the difference between term and permanent life insurance, and what affects the cost of coverage.

In addition all attendees will be entered to win a $100 grocery gift card!

You can register through this link: https://www.eventbrite.com/e/2004092176649?aff=oddtdtcreator

Share this with a friend and I look forward to seeing you there!

Growing your family or buying a home? Learn how to protect your loved ones in this free 30-minute life insurance webinar.

10/29/2026

The worst place to put your kid’s savings? A standard bank account. Inflation will quietly eat it away while it earns pennies in interest. ❌

If you want to set your children up for massive financial success in Canada, you need to use tax-advantaged tools that let compounding do the heavy lifting.

Here is the quick breakdown of the Big Three:

1️⃣ The RESP: Best if your primary goal is post-secondary education. The Canadian government matches 20% of your contributions up to $500 a year (with a $7,200 lifetime max) [CESG Estimate Canada]. You literally cannot beat a free 20% return on your money.

2️⃣ The "Designated" TFSA: Best for ultimate flexibility. By opening a separate account under your own TFSA room, you build a 100% tax-free fund. Because it’s outside an RESP, they can use it for a house down payment, a wedding, or starting a business without penalties.

3️⃣ Juvenile Cash Value Life Insurance: The ultimate generational wealth hack. Because life insurance is at its absolute cheapest when they are young, the internal costs are miniscule. Your premiums rapidly build tax-sheltered cash value that they can borrow against for the rest of their lives.

The best strategy? A combination of these based on your family's unique goals.

👇 Which of these tools are you currently using for your kids? Let me know in the comments!

💾 Don't forget to SAVE this post so you can look over these options later!

09/23/2026

🚨 “HIGH INTEREST” doesn’t always mean HIGH GROWTH.

A vague rate that sounds good in an advertisement can look very different when you actually dig into the numbers.

The rates posted below aren’t made up— these are actual posted rates currently being offered by one of Canada’s big banks.

If you have a significant amount of money sitting in cash, even a small difference in potential returns can make a meaningful difference over time.

Before you leave your money sitting on the sidelines, it may be worth getting a second opinion.

💬 Send me a message. Let’s take a look at what your money could potentially be doing for you.

09/16/2026

The investment strategy that made sense at 35 may not be the strategy you want at 65.

As we age, our priorities change.

When you're younger, the focus may be on building wealth and maximizing growth. But after years of saving and investing, protecting what you've worked so hard to build can become just as important.

You may want more certainty. You may want fewer risks. And you may start thinking more about how your wealth will be transferred to the people you love.

That's where segregated investment funds can offer some unique advantages.

Building wealth is one stage. Protecting and passing it on is another.

Swipe through to see some of the key benefits of segregated funds. 👇

Curious whether segregated funds could make sense for your investment and estate-planning goals? Send me a message — I'd be happy to have a conversation.

07/07/2026

Thanks for being here! I'm currently out of town and will have limited access to messages. If you've sent me a message or email I'll get back to you as soon as I return. Thank you for your patience, and I look forward to connecting with you next week!

04/27/2026

Hi, hello! If you've been hanging out waiting to reach out, take this as your informal sign to send me that message. Let's check some things off your to-do list and get yourself better set up financially 🤍🤍

02/20/2026

🚨WARNING🚨

The 2025 RRSP Contribution deadline is fast approaching, cut off is March 2, 2026. Let's get those last minute contributions in ✅✅

Reach out to see if this would make sense for your situation!

*If you already have RRSP's, lets get those working harder for you in 2026. Reach out for a free no obligation review. I want to put more money into your retirement!*

07/05/2025

Recently I have worked with a couple of different military families who didn't realize they were overpaying on their group life insurance through SISIP. There are options for military members and their family that won't risk a claim being declined. I work with a couple military friendly insurance companies that will save you thousands over the life of your policy.

Let's chat!

06/05/2025

Many Canadian families welcome their loved ones to come and stay with them through a Super Visa. One of the companies I works with offers a very affordable and stream line process in completing this requirement in the application process for this visa.

Let's check this off your to-do list so you can get to enjoying your visit!

05/19/2025

If you're a business owner ensuring you have the right insurances in place to protect your business is super important. Whether you have a business partner or not you can utilize insurance in creative ways to grow, protect and access money from your corporation tax free.

Let's chat, I'd be happy to see if these strategies are a good option for you.

*Licensed in Alberta & Ontario