Marjorie Massia - Advisor, Sun Life

12/02/2025

Curious about RRSPs? Let's break it down!

In less than 2 minutes, learn RRSP basics including:
- How it can help you save for retirement
- The tax benefits of contributing

Watch the video to get started and reach out to discuss your personal RRSP strategy.
https://bit.ly/48e9Jw3

Transcript: What is an RRSP? Simply put, a Registered Retirement Savings Plan, or RRSP, is a type of savings account that helps Canadians save for their retirement. How does an RRSP work? You can hold a variety of investments in your RRSP, like: stocks, bonds, GICs, and mutual funds. Any contributions or growth within your RRSP help you defer taxable income. This means you can defer taxes this year when you contribute, and defer taxes on any investment growth, until you choose to access the funds. For most, withdrawing from your RRSP at a later point in life means paying less tax. Think of it this way: you’ll probably be in a lower tax bracket when you’re retired in your 60s or 70s. So you’ll be paying less tax when you withdraw from your RRSP at that age. What’s your RRSP contribution limit? Your yearly contribution limit is 18% of your earned income, plus unused room from earlier years. Any money you put into an RRSP, up to the limit, reduces your taxable income for that year. Your RRSP contribution limit is calculated each year and will appear on the Notice of Assessment you receive after filing your taxes. For more tips and tools, visit sunlife.ca.

Find out, in simple terms, what an RRSP is and how it can help you save for retirement. Learn More: https://www.sunlife.ca/en/investments/rrsp/simply-put-wha...

11/27/2025

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!
https://bit.ly/4oYwkCE

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 grow – tax-free. Learn More: https://www.sunlife.ca/en/investments/tfsa/what-is-a-tfsa-video/

10/27/2025

Brighten your financial future with small changes to the way you manage your money. Small steps like starting a TFSA or RRSP can lead to significant financial growth over time.

Whether you're just starting your financial journey or looking to optimize existing registered savings, these 8 tips offer money growing options for everyone. Learn more: https://bit.ly/47HGHEB



Brighten your financial future with registered savings.

10/27/2025

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.

07/29/2025

Congratulations to the happy couples tying the knot this summer! While you're caught up in the excitement of your big day, don't forget to think about your financial future together. Here are some things to consider:

-Set shared savings goals for milestones like buying a home
-Discuss merging finances and creating a household budget
-Start an emergency fund to prepare for unexpected expenses
-Look into life insurance to protect each other long-term
-Begin planning for retirement, even if it seems far away

Building a strong financial foundation will help you thrive for years to come. Wishing you a lifetime of love and happiness!

07/25/2025

What exactly is term life insurance?

It’s an affordable option that can help you protect your loves ones.
Curious to learn more? Click on the link to watch our quick explainer video to see how it works.

Ready to explore your options? Contact us now.

Vidyard video

06/30/2025

Is protecting your family’s financial future on your to-do list?

Term life insurance is a flexible and affordable option that adapts to your changing needs.

Let’s chat about how to set up your financial safety net.

06/19/2025

Limited time offer! Protect your family with Sun Critical Illness Insurance and save on your first year. Prepare for the unexpected and get peace of mind for less. Offer ends June 30.

Certain terms and conditions may apply. Contact me for more information.

06/18/2025

Is term insurance right for you? 🤔

It helps protect what matters most:
✅ Cover your mortgage
✅ Secure your children's education
✅ Affordable premiums
✅ Flexible coverage options

Let's chat about insurance solutions that fit your budget and helps gives you the flexibility you need.

Transcript: A flexible solution that keeps up with you. Let's chat.

06/11/2025

Looking for flexibility?

Discover how insurance solutions can adapt to your needs — and life’s milestones.

Protect what matters most:

• Your mortgage
• Your kids' education
• Your income

Let's find a simple solution for your complex needs that could save you money.

Book a meeting with me today.

06/09/2025

Life's unpredictable journey calls for flexibility.

Are you ready for whatever comes your way?

Term insurance can be your safety net, giving you peace of mind and the freedom to update coverage at certain life changes.

Let's explore how to boost your resilience.

06/05/2025

During economic uncertainty, it’s more important than ever to be prepared for the unexpected. Let’s chat about how we can help protect your business.

Transcript: It’s time to dig deep.