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Novella Wealth｜Wealth Management & Insurance｜理財・保險

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Novella Wealth｜Wealth Management & Insurance｜理財・保險

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Novella Wealth｜Wealth Management & Insurance｜理財・保險, Insurance broker, 270-10691 Shellbridge Way, Richmond, BC.

🇨🇦 Wealth strategies for Canadian families
🗣️ English + 廣東話
🎯 3,200+ families served since 2013
📍 BC · AB · ON · SK · MB · NS
👇 Book a 1-on-1 | 預約諮詢
https://tr.ee/ziVUAt

11/03/2026

Knowledge, expertise, and patience. Thank you, Alexandra, for these kind words about 💛

Money gets easier when someone takes the time to explain it.

多謝 Alexandra 嘅支持 💛
理財唔使識曬先開始，有人肯慢慢解釋就已經唔同。

11/02/2026

🗓️ Weekly Financial Brief | November 2, 2026
加拿大理財速報 | 2026年11月2日

🏦 The Bank of Canada raised its policy rate to 2.5%, making borrowing costs and household budgets worth reviewing.

加拿大央行將政策利率上調至2.5%，家庭宜重新檢視借貸成本及收支預算。

📋 BC pension changes introduce new contribution and survivor-benefit options for provincially regulated plans.

卑詩省退休金修訂為省法規管的計劃引入新的供款及遺屬福利選項。

💰 CRA announced a C$36,390 RRSP dollar limit for 2028, while your personal contribution room may differ.

CRA公布2028年RRSP年度金額上限為C$36,390，個人可用供款額度則因人而異。

💬 CIRO proposes shortening investment-complaint response deadlines from 90 to 60 days, with extensions for qualifying cases.

CIRO建議將投資投訴回覆期限由90日縮短至60日，合資格個案可獲延期。

☂️ An RBC Insurance-commissioned survey highlights potential savings shortfalls when serious illness interrupts income.

RBC Insurance委託進行的調查反映，嚴重疾病導致收入中斷時，部分家庭的積蓄或不足以應付開支。

Follow for next week’s briefing
追蹤閱讀下週加拿大理財速報

10/29/2026

Is an employer RRSP match worth it?

Usually yes, because your employer adds money only when you contribute.

But a group RRSP match uses this year’s RRSP room, while DPSP and pension plan contributions reduce next year’s room through your pension adjustment.

Check box 52 on your T4 before topping up.

公司 RRSP 配對供款值得參加嗎？

一般而言值得，因為你供款，公司便會額外供款。

但團體 RRSP 的配對會佔用當年額度，DPSP 及退休金計劃則會透過退休金調整，減少下一年的額度。

加供款之前，先查看 T4 第 52 欄。

📆 預約免費策略諮詢 Book a strategy call
https://tr.ee/waE7sd (link in bio)

10/23/2026

What happens if you over-contribute to your RRSP in Canada?

Anything above a $2,000 cushion is taxed 1% a month until you take it out.

In a 2024 Federal Court case, losing money inside the RRSP did not earn the taxpayer any relief. Your limit is on your Notice of Assessment.

Share this with a friend who has RRSPs at more than one bank.

RRSP 超額供款會有甚麼後果？

超出 $2,000 緩衝額的部分，每月須繳 1% 稅款，直至取回為止。

在 2024 年一宗聯邦法院案件中，即使 RRSP 內的投資已經虧損，納稅人仍然未獲寬免。你的供款上限列於最新的評稅通知書。

分享給在多間銀行開設了 RRSP 的朋友。

📆 預約免費諮詢
Book a free consultation
https://tr.ee/waE7sd (link in bio)

10/22/2026

RRSP 超額供款後主動聯絡 CRA，並不代表相關稅款一定會獲得豁免。

加拿大聯邦法院曾指出，單純不知道自己的 RRSP 供款額或不熟悉相關規則，未必足以構成可以獲得寬免的「合理錯誤」。

如果不確定自己的 RRSP contribution room，應在供款前先查證，必要時向 CRA 或合資格專業人士了解。

Contacting the CRA after an RRSP overcontribution does not automatically mean the tax will be waived.The CRA considers whether the excess arose from a reasonable error and whether reasonable steps are being taken to eliminate it.

即看YT完整影片：11 個常見 RRSP 錯誤
Watch the full video: 11 common RRSP mistakes
🎥 https://youtu.be/aHECdiBZvck (click link in bio)

📆 預約免費 30 分鐘諮詢
Book a consultation
👉 https://tr.ee/zuIN8V

10/20/2026

如何計算你需要幾多錢先夠退休
How much do you need to retire?

10/20/2026

誤讀CRA一個數字 RRSP多付近$1000💸

重點不是「不要供太多」這麼簡單。尤其打算一次過投入較大金額前，應先確認自己最新的 RRSP contribution room，而不是依靠記憶或舊有文件。

Before making a large RRSP contribution, verify your current contribution room first.

完整 Level 7 影片整理了 11 個加拿大人常見的 RRSP 錯誤
11 common RRSP mistakes Canadians should know
🎥 https://youtu.be/aHECdiBZvck (link in bio)

📆 預約免費 30 分鐘諮詢
Book a consultation
👉 https://tr.ee/zuIN8V

10/17/2026

Big congrats to Jason Kwok, our September Associate of the Month!

Thinking about working in insurance and wealth management in Canada? Join our next Career Opportunity Meeting and see what a career with Novella Wealth could look like.

📆 Oct 29th, 2026

🕗 8:00 PM Pacific time

📍 Zoom Meeting

📩 RSVP with your resume: [email protected]

10/17/2026

Big congrats to Mark Solis, our August Associate of the Month!

Thinking about working in insurance and wealth management in Canada? Join our next Career Opportunity Meeting and see what a career with Novella Wealth could look like.

📆 Oct 29th, 2026

🕗 8:00 PM Pacific time

📍 Zoom Meeting

📩 RSVP with your resume: [email protected]

10/16/2026

Helping your child buy their first home can be meaningful.

But before the transfer happens, besides asking, “How much can we help?”

It is also:

Will this affect your retirement lifestyle?
Will the family intention be clear later?
Will this create future tax, lending, or ownership complications?

Swipe through before moving funds.

For parents, this is not just about helping today.
It is part of protecting your family’s long-term legacy.

父母幫子女置業，很多時都是出於愛與支持。

不過在轉款之前，值得先想清楚：

這筆資金會否影響自己的退休生活？
家人之間的安排是否清楚？
日後會否牽涉稅務、借貸或業權問題？

先看清楚轉款前需要留意的重點。

對父母來說，這不只是幫子女上車。
更是整個家庭傳承規劃的一部分。

✎﹏﹏﹏﹏﹏﹏

📆 Book a free consultation to talk about your legacy planning: https://tr.ee/aYzxty (link in bio)

預約免費諮詢
了解如何為家庭傳承作出更清晰的安排
https://tr.ee/aYzxty

Address

270-10691 Shellbridge Way
Richmond, BC
V6X2W8

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+16043703434

Website

https://tr.ee/ziVUAt, https://youtube.com/@novellawealth?si=XVfu3QAZgQHOvIsX, https://linktr.ee/novellawealth, http://no

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